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Forum » Living the Frugal Life *Official Thread*
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Thread: Living the Frugal Life *Official Thread*

post 1489667501 04-03-2017, 01:20 PM
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#31
  1. Bhruninha
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Cannot relate, love spending. Would rather come up with ways to make more money than to save.
Pink dumbbells crew
Hard time opening heavy doors crew
Can't reach the top shelf crew
Helpless crew
post 1489667691 04-03-2017, 01:21 PM
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#32
  1. jiujitsubro
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In.

Saving is earning.

The richest guy I know prefers not to pay anything if he could. Bought his new android for 1 dollar. He's a developer and his house is worth 10 million.
"There are some who do not fear death for they are more afraid of really living."-Ancient proverb




Between the buried and me
post 1489667991 04-03-2017, 01:24 PM
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#33
  1. bromioso
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In on millionaire next door thread. Keep up the good work, gents. You don't impress anybody spending 3/4 of your pay on car payments.

Got a slight pay bump today. Planning to keep living under means!
post 1489668271 04-03-2017, 01:25 PM
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#34
  1. ProboscisMonkie
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Originally Posted By bromioso⏩
In on millionaire next door thread. Keep up the good work, gents. You don't impress anybody spending 3/4 of your pay on car payments.

Got a slight pay bump today.Planning to keep living under means!
I want to know that feel
post 1489668621 04-03-2017, 01:28 PM
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#35
  1. IH8RICE
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Started at my job making 36k a year. Every time I got a pay increase or cost of living raise, or just a step increase, I divided the yearly amount by 26 and deposited that into an external high interest savings account. 10 years later, I'm making about 60k a year and I put back almost 400 dollars a pay period. I also budget down to the dollar for everything so I'm always in a surplus every year with my water/gas/electric bill. I take the surplus and use that to buy Xmas gifts. I take all the overtime I work in December ( 10-15k extra) I put into the external savings account. I get Sunday premium for working on sundays, that goes to external account. Any money I have left at the end of my pay period goes to the external account. I pay everything through reward credit cards and instantly pay them back with money that's in my budget account. I use the annual rewards money for vacations. Everything I have is paid off besides the house. Currently in the works to move to Florida where I'll get back 3-4K of state income that'll go into external savings account. We stream everything.
No time Warner
Cheapest internet service( which is very adequate for us)
post 1489668631 04-03-2017, 01:28 PM
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#36
  1. MyBaddBrah
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Originally Posted By Bhruninha⏩
Cannot relate, love spending. Would rather come up with ways to make more money than to save.
no chit, you're a woman
*Hole is Life Crew*
*Meditation Crew*
post 1489668881 04-03-2017, 01:30 PM
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#37
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Originally Posted By Bhruninha⏩
Cannot relate, love spending. Would rather come up with ways to make more money than to save.
Why not do both?
post 1489668931 04-03-2017, 01:31 PM
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#38
  1. BMXcaprisun
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Originally Posted By Bhruninha⏩
Cannot relate, love spending. Would rather come up with ways to make more money than to save.
That's not like all women, at all
post 1489668951 04-03-2017, 01:31 PM
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#39
  1. ProboscisMonkie
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Originally Posted By Bhruninha⏩
Cannot relate, love spending. Would rather come up with ways to make more money than to save.
God I hate people like you. Especially females. Irresponsible.
post 1489669651 04-03-2017, 01:35 PM
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#40
  1. bromioso
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Originally Posted By IH8RICE⏩
Started at my job making 36k a year. Every time I got a pay increase or cost of living raise, or just a step increase, I divided the yearly amount by 26 and deposited that into an external high interest savings account. 10 years later, I'm making about 60k a year and I put back almost 400 dollars a pay period. I also budget down to the dollar for everything so I'm always in a surplus every year with my water/gas/electric bill. I take the surplus and use that to buy Xmas gifts. I take all the overtime I work in December ( 10-15k extra) I put into the external savings account. I get Sunday premium for working on sundays, that goes to external account. Any money I have left at the end of my pay period goes to the external account. I pay everything through reward credit cards and instantly pay them back with money that's in my budget account. I use the annual rewards money for vacations. Everything I have is paid off besides the house. Currently in the works to move to Florida where I'll get back 3-4K of state income that'll go into external savings account. We stream everything.
No time Warner
Cheapest internet service( which is very adequate for us)
Out of reps for the day but wanted to let your know you're doing it right! I know you work for USPS but you have a degree or nah?
post 1489670161 04-03-2017, 01:38 PM
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#41
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Originally Posted By backinbusiness⏩
It's ok boyos it's all easy to save when your in your 20's then weddings, A/C units go out and kids.

Save while you can
-go down to the courthouse and get married. Your family wants to be apart of it? Tell them to pay for it. We went to the beach and had a small ceremony on the beach. Had pictures taken and digitically sent to us all for 125 bucks. Another 100 for the cost for processing the license and that was it.
-you're supposed to have an emergency fund for stuff like the AC and such. There's also insurance you can get for stuff like this. It's 50-60 bucks anmonth but covers any appliance and such in the house to be worked on.
-kids are definitely a variable but only choose to have as many as you can support while still providing a good standard of living. Having one without these in mind is simply selfish and irresponsible.
-if you're planning to have kids, then bust your asses for a year and start hunting for great deals on the stuff you'll need. Work as much as possible up until the birth. If not married and the mom's situation is ideal for WIC and such, get it to help out with baby food and such. So many things you can do.
post 1489670271 04-03-2017, 01:39 PM
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#42
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Originally Posted By bromioso⏩
Out of reps for the day but wanted to let your know you're doing it right! I know you work for USPS but you have a degree or nah?
Only got my associates before I started. Would love to go back because it's required to move up to make CEO10k/day money.
post 1489670301 04-03-2017, 01:40 PM
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#43
  1. Brosnbroccoli
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Agree with everything except living at your moms detached house or whatever.
Saving money is the key to financial security, which is so damn important for a stress free life.

And lol at the only women in this thread, being the only person who doesn't save money.
Real Madrid, Miami Heat, New York Jets.
post 1489670711 04-03-2017, 01:43 PM
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#44
  1. mp83
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in. I am pretty frugal. Want dat dere financial independence / early retirement
{Misc Fisherman Crew}
{Misc Investing Crew}
post 1489671321 04-03-2017, 01:49 PM
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#45
  1. tetraktys13
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Originally Posted By BMXcaprisun⏩
That's not like all women, at all
I know a woman who owns like 3 businesses (Each of which costed like 150-200k to start), has a couple properties, stocks, etc.; one of the most frugal people I've ever met.

Shes lives with her sister, only drives a prius (she could easily afford a luxury car), never buys random stuff, hardly owns any jewelry and cooks/eats at home for the most part.

OP you're doing it right; I personally don't cut a lot of corners when it comes to things I want because of quality issues but some stuff I do. I still own a blackberry instead of the Vertu phone I was going to buy.
Originally Posted By ballzaak⏩
There's a difference between frugal and cheap.

I know a woman - hot, married - who is frugal. There's something oddly attractive about a woman who knows how to live within a budget and doesn't have to be buying or shopping or wearing the latest stuff all the time.

Then you have people who are cheap. People who use night lights instead of lamps and overhead lights because they want to save $.78/month on electricity. Or my one friend who won't stop at 7-11 because the coffee is too expensive so he always stops at mcdonalds where it's like $.10 cheaper.

Frugal I can admire. But cheap is just cheap.
Why do you care if someone is cheap or frugal anyway?
**Mod Negg'd Crew** KyleAaron why u mad tho lol
post 1489671461 04-03-2017, 01:49 PM
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#46
  1. LukeTAn
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In bruhs. Soon hopefully will be going to the AF whre I won't be making a lot of money at all. (~22k at first) but everything i need should be paid for (housing and food). Will try to invest at least 10k a year while in.


Probably my only srs post since i joined.
Everything I post is 100% false and should not be taken seriously. It in no way reflects my viewpoints and/or morals.
post 1489674061 04-03-2017, 02:08 PM
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#47
  1. inq
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Originally Posted By Iukas⏩
just a little tidbit for miscers who have their own apartment or live with gf, roommates, etc. it is easy to qualify for food stamps if you make less than 2200 a month. make an appointment, bring your paystubs, rental agreement, monthly bills (internet, electric, water) and as many IDs as you can. social, drivers, state etc.

this is what you pay taxes for and 6 months of help isnt shameful in the least. single guys can easily qualify for 200/month.
$2200 gross right....because if we talkin' net after monthly bills......

#HOODRICH
---
---
Aware Thread: You know you can TRIPLE the Chipotle Bowl, right?
http://forum.obnoxiousbrutes.com/showthread.php?t=168524803

S&P crew
CollegeTrad.com - "A young man's perspective on timeless and youthful style"
post 1489674591 04-03-2017, 02:13 PM
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#48
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But in the end doesn't matter because we all die. It's about enjoying that ****.
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.................₪₪₪₪₪₪1989-2011₪₪₪₪₪₪.............
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post 1489674911 04-03-2017, 02:16 PM
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#49
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in boyos...been fixing my financial mishaps (2010-2016) for the past 8 months or so...saved my first $1000 this year and the credit score is moving up...still gotta drop some habits/lifestyle to be on that srs frugal time
<HTC>
Pick 6 Crew
RIP Rich Piana
Dallas Cowboys
post 1489675471 04-03-2017, 02:20 PM
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#50
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Originally Posted By IH8RICE⏩
Why not do both?
I do, still save $1k a month at least but I like expensive clothes, homes, cars, etc. would not be ok with a frugal lifestyle which is why I invested a lot in my career.
Pink dumbbells crew
Hard time opening heavy doors crew
Can't reach the top shelf crew
Helpless crew
post 1489675981 04-03-2017, 02:24 PM
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#51
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Originally Posted By Bhruninha⏩
I do, still save $1k a month at least but I like expensive clothes, homes, cars, etc. would not be ok with a frugal lifestyle which is why I invested a lot in my career.
Explains a lot more now. In this case, I can't really fault you. I do have my vices as well.
post 1489676171 04-03-2017, 02:25 PM
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#52
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Originally Posted By MyBaddBrah⏩
What kind of phone do you have through Virgin mobile thats 30 a month?
Iphone 5s

I bought it back in 2013 full price, but my wife just got the same one in white for $99 through their website.

You get a $5 discount for going on autopay.
PUBG - X1
xX nRAG3D Xx

MCC Crew: WTC crew
post 1489676301 04-03-2017, 02:27 PM
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#53
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Originally Posted By Bhruninha⏩
Cannot relate, love spending. Would rather come up with ways to make more money than to save.
Fine with me, as long as you don't expect the taxpayer to subsidize your retirement. If you're living out on the street when you're 70 years old, don't expect anyone to throw you a nickel.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1489676561 04-03-2017, 02:29 PM
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#54
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Originally Posted By IH8RICE⏩
Started at my job making 36k a year. Every time I got a pay increase or cost of living raise, or just a step increase, I divided the yearly amount by 26 and deposited that into anexternal high interest savings account. 10 years later, I'm making about 60k a year and I put back almost 400 dollars a pay period. I also budget down to the dollar for everything so I'm always in a surplus every year with my water/gas/electric bill. I take the surplus and use that to buy Xmas gifts. I take all the overtime I work in December ( 10-15k extra) I put into the external savings account. I get Sunday premium for working on sundays, that goes to external account. Any money I have left at the end of my pay period goes to the external account. I pay everything through reward credit cards and instantly pay them back with money that's in my budget account. I use the annual rewards money for vacations. Everything I have is paid off besides the house. Currently in the works to move to Florida where I'll get back 3-4K of state income that'll go into external savings account. We stream everything.
No time Warner
Cheapest internet service( which is very adequate for us)
Why that and not a low cost index fund? Even with a savings account on the higher end of interest, you are still losing to inflation.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1489676581 04-03-2017, 02:29 PM
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#55
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Originally Posted By Brosnbroc****⏩
Agree with everything except living at your moms detached house or whatever.
Saving money is the key to financial security, which is so damn important for a stress free life.

And lol at the only women in this thread, being the only person who doesn't save money.
I mean I could move out for the next year or two and rent, thus paying an additional 700-800 just to say I dont live at my moms apartment, but thats fukin stupid LMFAO
PUBG - X1
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MCC Crew: WTC crew
post 1489676601 04-03-2017, 02:30 PM
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#56
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Originally Posted By SaviorSelfJT⏩
Fine with me, as long as you don't expect the taxpayer to subsidize your retirement. If you're living out on the street when you're 70 years old, don't expect anyone to throw you a nickle.
Buying second home this summer and have a good retirement fund, think I'm covered.
Pink dumbbells crew
Hard time opening heavy doors crew
Can't reach the top shelf crew
Helpless crew
post 1489676841 04-03-2017, 02:32 PM
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#57
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Originally Posted By IH8RICE⏩
Explains a lot more now. In this case, I can't really fault you. I do have my vices as well.
I was poor as a kid and got traumatized lol. Did everything in my power, got multiple degrees to never have to go without something I wanted ever again. Most people that grew up well off can't relate to how I feel towards money.
Pink dumbbells crew
Hard time opening heavy doors crew
Can't reach the top shelf crew
Helpless crew
post 1489676961 04-03-2017, 02:33 PM
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#58
  1. BangBrahs
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Originally Posted By Bhruninha⏩
I do, still save $1k a month at least but I like expensive clothes, homes, cars, etc. would not be ok with a frugal lifestyle which is why I invested a lot in my career.
what is your occupation and income?

There is no failure, only feedback
post 1489677201 04-03-2017, 02:35 PM
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#59
  1. bromioso
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Originally Posted By ChknFrydMFer⏩
in boyos...been fixing my financial mishaps (2010-2016) for the past 8 months or so...saved my first $1000 this year and the credit score is moving up...still gotta drop some habits/lifestyle to be on that srs frugal time
Good job fellow ass eaters crew brah. Would rep if I could!
post 1489677261 04-03-2017, 02:35 PM
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#60
  1. Bhruninha
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Originally Posted By BangBrahs⏩
what is your occupation and income?
I'm a CPA, income is confidential lol
Pink dumbbells crew
Hard time opening heavy doors crew
Can't reach the top shelf crew
Helpless crew
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