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ยป Living the Frugal Life *Official Thread*
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post 1489785831 04-04-2017, 10:40 AM
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Originally Posted By MrAWatts
That sounds miserable. If you died tomorrow you will have lived tight and enjoyed life less for no reason at all.


You'd have a stroke if you saw my spending habits.


BRB miserable if I don't take at least one vacation a month
BRB eating out is awesome
BRB new shoes/clothes for days
BRB BRB



Life is too short to be like that.
True YOLO living lmfao.
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Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
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post 1489787491 04-04-2017, 10:53 AM
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Originally Posted By Brosnbroc****
Yes. The only reason is "to say I don't live at my moms apartment"...

Why are you getting so defensive over this?
When half of what you save, is only saved because you live at your moms apartment, it's easier to understand why you live there. Not that I would do it, but still.

Some people make more money than you, and because of that they are able to live independently while saving. Some people value living in their own place and being independent more than you, and while earning the same amount of money, they still chose to move out.

There's no reason to, basically, call people who don't live at their parents house "fukkin stupid LMFAO". Chill out.
Ive lived in my own apartment for 2+ years and wasted a chit ton of money doing so. Splitting a two bedroom I was paying $1400+ just for my portion of the rent every month. I live in CT and in fairfield county, one of the most expensive counties in america with sky high rental rates. Im being defensive because you dont know what you are talking about.

Anyone in their right mind would rather live on their own, but you dont know anybodies situation aside from a few words we write on here. I also have equity in my mothers house, its in here name but I have equity in it. When its time to sell, I have a nice pay day coming my way.

/rekt
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post 1489787781 04-04-2017, 10:54 AM
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#153
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Originally Posted By W1LLW
it's easier when you get older and when you don't run in certain circles. in my early 20's i was attracting girl gf's that just expected me to pay for everything cause i was making 80k+

yeah well dinner for two and cocktails is easily a $80 - $140 night. multiply that by 2 nights a week, and you're easily talking a mercedes car payment. haven't read the thread but know the point opee is trying to make and wish i had known it earlier in my life.

living frugal, or at least below your means frees up soooooo much life stress.
I did the same chit in my early 20s, left home after college and got an apartment with a boyo, blew tons on money parting every thurs-sat night. $100-200 each weekend lol

Ive only been living like this for the past year. Wish I had more financial intelligence earlier on but so be it, gotta make up for lost time.
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post 1489787961 04-04-2017, 10:56 AM
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Originally Posted By MrAWatts
That sounds miserable. If you died tomorrow you will have lived tight and enjoyed life less for no reason at all.


You'd have a stroke if you saw my spending habits.


BRB miserable if I don't take at least one vacation a month
BRB eating out is awesome
BRB new shoes/clothes for days
BRB BRB



Life is too short to be like that.
Everything is a balance. Being extremely frugal during youth is a recipe for regret.
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post 1489788131 04-04-2017, 10:57 AM
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Originally Posted By stoverbruce
why be rustled? My parents were able to help me out and did just that. It's not free money. Family helps family, at least that how I was raised
I dont think thats the rustle part, at least from my perspective.

Im sure if my parent had the money they would have done the same, but unfortunately lots of people parents dont have money lying around to loan their children especially after college payments etc.

For me its more like fuarkkkk you lucky sob, wish my parents were more well off to help me out like that.
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post 1489788251 04-04-2017, 10:58 AM
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Originally Posted By Luc1fer
Everything is a balance. Being extremely frugal during youth is a recipe for regret.
"Chase a check, never chase a bitch."



I'm trying to balance at 33. I like nice things but realize the future is what I make it so I need to prepare.

But I need to make my life comfortable too.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
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post 1489788641 04-04-2017, 11:00 AM
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Originally Posted By MrAWatts
That sounds miserable. If you died tomorrow you will have lived tight and enjoyed life less for no reason at all.


You'd have a stroke if you saw my spending habits.


BRB miserable if I don't take at least one vacation a month
BRB eating out is awesome
BRB new shoes/clothes for days
BRB BRB



Life is too short to be like that.
Theres a better chance I live to 70 than die tomorrow.

my wife and I are happy with two vacations a year but if we wanted to yolo we could take 1 a month lol

We would just have no money left

I agree, eating out is awesome and thats where we fall short sometimes, especially on weekend, I love pizza/

I never cared for shoes and clothing too much, but understand those that do. When I was a teen and early 20s I had a hyuuuuge video game collection.
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post 1489789421 04-04-2017, 11:05 AM
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Originally Posted By Luc1fer
Everything is a balance. Being extremely frugal during youth is a recipe for regret.
Agreed

Originally Posted By Aesthetical
Theres a better chance I live to 70 than die tomorrow.

my wife and I are happy with two vacations a year but if we wanted to yolo we could take 1 a month lol

We would just have no money left

I agree, eating out is awesome and thats where we fall short sometimes, especially on weekend, I love pizza/

I never cared for shoes and clothing too much, but understand those that do. When I was a teen and early 20s I had a hyuuuuge video game collection.
Yeah I appreciate the spirit of your approach for sure, I am just more in the camp of what luc1fer up there was saying. Ideally we all live to a ripe old age but unfortunately nobody ever leaves their house thinking "today I am going to get t-boned in an intersection", etc. So while I think it is important to save for the future, I also believe that it is important to focus on enjoying the present as well. I don't feel that either one of those extremes should be at the sake of the other.
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post 1489789901 04-04-2017, 11:09 AM
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Originally Posted By Aesthetical
I did the same chit in my early 20s, left home after college and got an apartment with a boyo, blew tons on money parting every thurs-sat night. $100-200 each weekend lol

Ive only been living like this for the past year.Wish I had more financial intelligence earlier onbut so be it, gotta make up for lost time.
This is the kind of thing I don't understand why they don't teach in school more. I'm sure certain areas probably do but in high school there were no classes that hit on even basic budgeting.
Originally Posted By sword_
"Chase a check, never chase a bitch."



I'm trying to balance at 33. I like nice things but realize the future is what I make it so I need to prepare.

But I need to make my life comfortable too.
Balance is key, it's not worth being frugal if you're miserable in life because of it. I save a lot but if I want a tool for the shop or to go on vacation I'm going to.
MFC
post 1489789951 04-04-2017, 11:09 AM
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Originally Posted By stoverbruce
why be rustled? My parents were able to help me out and did just that. It's not free money. Family helps family, at least that how I was raised


it's how every american was raised, but believe it or not, a lot of people's parents don't have the means to loan them "buy a duplex" money. CRAZY amirite?
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post 1489790451 04-04-2017, 11:13 AM
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Originally Posted By Adarus
This is the kind of thing I don't understand why they don't teach in school more. I'm sure certain areas probably do but in high school there were no classes that hit on even basic budgeting.
Because america needs its people to be fukin morons and blow their money on stupid chit.

This is coming from someone who got their first credit card out of high school and maxed it out on stupid chit lol.
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post 1489790551 04-04-2017, 11:13 AM
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#162
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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.
Not in Georgia lol. If you're single, you have to make 15k or less a year to qualify. If there are 2 of you, 20k or less lol. And that's BEFORE taxes.
post 1489791931 04-04-2017, 11:24 AM
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Originally Posted By Aesthetical
I hate buying clothing lol.

I will only buy from tj maxx or marshalls, even then I will only buy like 3-4 times a year and its usually old ralph lauren polo tshirts from 1-2 seasons ago.

lol at paying 1000% markups on thread sewn together in a sweatshop for $0.05.
I'll be real here. I was a snob when it came to buying clothes for the longest.. mainly because my parents made me that way with all of the 50 dollar plus Tommy Hilfiger, Polo, etc. It was only about 5 years ago that I discovered thrift stores in the wealthy areas. Quite often it's nothing to go in there and find business clothes for work (I.E. Polo, Ralph Lauren, Brooks Brothers, Tyritt) etc shirts with tags still on them for 4 or 5 bucks. Full suits, tweed blazers, so on and so forth new, for pennies. It's the wasteful people that go and replace their entire wardrobe every season regardless of whether they've worn it or not that made it worth it. Would slide one of the workers a little something to put a lot of the good stuff that was new to the side and call me. Got a navy Ralph Lauren suit out of there with tags for $15. Took it to the cleaners, had it tailored and it looked like money for less than 100 bucks total. (Had the wizard Hispanic seamstress that worked out of her house that was an animal tailoring clothes for the low.)
post 1489792381 04-04-2017, 11:28 AM
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Originally Posted By UGK4lyfe
I'll be real here. I was a snob when it came to buying clothes for the longest.. mainly because my parents made me that way with all of the 50 dollar plus Tommy Hilfiger, Polo, etc. It was only about 5 years ago that I discovered thrift stores in the wealthy areas. Quite often it's nothing to go in there and find business clothes for work (I.E. Polo, Ralph Lauren, Brooks Brothers, Tyritt) etc shirts with tags still on them for 4 or 5 bucks. Full suits, tweed blazers, so on and so forth new, for pennies. It's the wasteful people that go and replace their entire wardrobe every season regardless of whether they've worn it or not that made it worth it. Would slide one of the workers a little something to put a lot of the good stuff that was new to the side and call me. Got a navy Ralph Lauren suit out of there with tags for $15. Took it to the cleaners, had it tailored and it looked like money for less than 100 bucks total. (Had the wizard Hispanic seamstress that worked out of her house that was an animal tailoring clothes for the low.)
Gonna have to find some thrift stores. I live around a bunch of richies so theres bound to be some old styles that never made it off the shelves.
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post 1489792451 04-04-2017, 11:28 AM
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Originally Posted By Aesthetical
Because america needs its people to be fukin morons and blow their money on stupid chit.

This is coming from someone who got their first credit card out of high school and maxed it out on stupid chit lol.
Did the same, I'd say up until I was 26 I didn't have finances under control. Got one of my vehicles and a small loan paid off and started taking that money I was saving and put it towards the other vehicle loan. Fast forward two years and I've got a good size emergency fund and have been able to travel more than my first 8 years out on my own combined. I'm pushing to have my mortgaged paid off in two years because right now I have an 8-month old so doing any big vacations seems like a terrible idea. But, once she's around 2-3 it'll be much more manageable and there will be more money free'd up in my budget.
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post 1489792771 04-04-2017, 11:31 AM
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Originally Posted By Aesthetical
I dont think thats the rustle part, at least from my perspective.

Im sure if my parent had the money they would have done the same, but unfortunately lots of people parents dont have money lying around to loan their children especially after college payments etc.

For me its more like fuarkkkk you lucky sob, wish my parents were more well off to help me out like that.
Gotcha. Yeah I took care of college 100% on my own via scholarships and loans. Parents didn't pay a dime
post 1489793961 04-04-2017, 11:42 AM
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Originally Posted By Adarus
This is the kind of thing I don't understand why they don't teach in school more. I'm sure certain areas probably do but in high school there were no classes that hit on even basic budgeting.




Balance is key, it's not worth being frugal if you're miserable in life because of it. I save a lot but if I want a tool for the shop or to go on vacation I'm going to.
Why would our government want to teach us good spending and saving habits when it's their prerogative to get us into debt asap? Brb the instant you turn 18 you're getting pre-approved letters from cc companies. I remember getting my first car loan through Wachovia and after signing papers they said with my credit I was approved for 3000 dollars line of credit. Of course I chose to get it, of course I blew through it, and of course I hurt my credit for years because I had no idea what I was getting myself into. Had there been classes or just a simple elective course to take, I'd have been a lot more prepared.
post 1489794791 04-04-2017, 11:47 AM
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Originally Posted By Brosnbroc****
He's doing a lot of "non frugal" stuff, so it's clearly about priorities. It's probably a cultural difference.
I'd agree. I remember my folks insisting I come love with them for the first 90 days after being hired at Usps. I moved out on the 91st day to live with my then gf. Had I been smarter, I would've lived with them, paying 250 a month and had the liberty of doing whatever I pleased while banking a ton of money. Instead I got myself into debt extremely early and have just recently dug myself out of that hole. Clearly my circumstance are different from yours and OPs.
post 1489794961 04-04-2017, 11:49 AM
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I think if you view your money as a tool then you can approach budgeting different.

I grew up working class and living in the South we had to stretch our money. To this day I STILL feel guilt on spending money on certain items simply because of how I grew up.

On certain things I come to a certain approach. Spending $1000 on multiple pieces of luggage since I don't intend on ever buying those pieces again. Those are 'buy it for life' pieces and have a lifetime warranty.

I bought a handgun a few months ago and buying accessories for it (holster, sights, etc) I see as a good use of my money.

Buying coffee out of convenience or eating out all the time I could probably better utilize by making my own food for example. I get a 20% discount on my phone bill, but I could probably shave $10-15 bucks by going to a lower plan.

It depends on your perspective though.
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post 1489795301 04-04-2017, 11:51 AM
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post 1489796771 04-04-2017, 12:04 PM
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Originally Posted By IH8RICE
I'd agree. I remember my folks insisting I come love with them for the first 90 days after being hired at Usps. I moved out on the 91st day to live with my then gf. Had I been smarter, I would've lived with them, paying 250 a month and had the liberty of doing whatever I pleased while banking a ton of money. Instead I got myself into debt extremely early and have just recently dug myself out of that hole. Clearly my circumstance are different from yours and OPs.
Yeah, early dept is a killer. Good job getting out of the hole, srs. I see a lot of my friends already getting into unnecessary dept, because they're living above their means. I'm not sure if I should say anything. I figure it's none of my business, but damn, I just know they're gonna regret it within 10 years.

In regards to moving out. Almost all my friends had moved out at 19. It's very rare to find someone 21+ whos still living at home. Living at home at 23, let alone 25+ and you're considered a huge loser, man baby, dependant etc. It's something my immigrant friends talk about from time to time, since it's normal in their culture to stay at home until marriage/when you can buy a house (ie 23+ at the very least).
My dads an alcoholic, so I had to gtfo first chance I had anyway.
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post 1489798431 04-04-2017, 12:16 PM
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Originally Posted By Aesthetical
Only an absolute moron would move out of a $900 apartment to pay $1800 for a two bedroom apartment to impress some loser ******* on misc.
Lmao quite the defensive post here brah, you seem kind of insecure about living in your moms "apartment" aka addition. Again, I dont judge you for doing whats best for you. But dont prance around saying "only an idiot would move out of their moms house."

You are a married man living with your mom. If you think its worth it to save 500 bucks, its your choice. But there are a ton of reasons why many people, many people like more intelligent than either me or you, would move out of their moms "apartment."

You can be frugal and also be independent. You are not independent. You are taking advantage of a situation to save money at the cost of living with your mom. Call it what it is.
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post 1489799321 04-04-2017, 12:23 PM
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Originally Posted By FlexLex
Lmao quite the defensive post here brah, you seem kind of insecure about living in your moms "apartment" aka addition. Again, I dont judge you for doing whats best for you. But dont prance around saying "only an idiot would move out of their moms house."

You are a married man living with your mom. If you think its worth it to save 500 bucks, its your choice. But there are a ton of reasons why many people, many people like more intelligent than either me or you, would move out of their moms "apartment."

You can be frugal and also be independent. You are not independent. You are taking advantage of a situation to save money at the cost of living with your mom. Call it what it is.
Im not taking advantage of anything. I am paying rent into a house I have equity in. Without me having lived there the last 7 of time years, there would be no house. The income apartment came to fruition because of the hard labor my father and I did to make the changes to the house, we couldnt afford to pay someone to do it so we bucked up and did it ourselves. Im not out to impress anyone on misc, I only really care about my families and myself as far as financial well being. Its in all of our best interests to have two stable income paying into the income apartment rather that some loser with a 500 credit score working and mcdonalds and can lose it at any moments notice.

Now tell me whats really bothering you.
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post 1489800551 04-04-2017, 12:32 PM
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Originally Posted By Aesthetical
Im not taking advantage of anything. I am paying rent into a house I have equity in. Without me having lived there the last 7 of time years, there would be no house. The income apartment came to fruition because of the hard labor my father and I did to make the changes to the house, we couldnt afford to pay someone to do it so we bucked up and did it ourselves. Im not out to impress anyone on misc, I only really care about my families and myself as far as financial well being. Its in all of our best interests to have two stable income paying into the income apartment rather that some loser with a 500 credit score working and mcdonalds and can lose it at any moments notice.

Now tell me whats really bothering you.
Taking advantage was a poor choice of words. Im sure you worked hard for the house. Not quite sure how you got "equity" in your parents house but Ill leave that topic alone. A better worded post would have been that you were afforded an opportunity that many others do not have, and there are definitely a multitude of reasons to why one would move out of their childhood house.

Again, nothing bothers me. I couldnt care less if you still live at home. Just dont tell others they are morons for doing something 95% of young adults do in moving out of their parents house.
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post 1489810071 04-04-2017, 01:44 PM
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Originally Posted By FlexLex
Taking advantage was a poor choice of words. Im sure you worked hard for the house. Not quite sure how you got "equity" in your parents house but Ill leave that topic alone. A better worded post would have been that you were afforded an opportunity that many others do not have, and there are definitely a multitude of reasons to why one would move out of their childhood house.

Again, nothing bothers me. I couldnt care less if you still live at home. Just dont tell others they are morons for doing something 95% of young adults do in moving out of their parents house.
Understood.

And I did move out of my parents house after college and they offered for me to come and live back until I can afford to purchase my own instead of paying somebody elses mortgage.

But believe me, once we have money for the down payment we are bolting. I want a two family income property, by living at home its cutting at least a year or two of savings for the down payment. I have the rest of my life to live on my own. There is no shame in accepting help in order to prosper in the future.
PUBG - X1
xX nRAG3D Xx

MCC Crew: WTC crew
post 1489812811 04-04-2017, 02:08 PM
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#176
  1. Wh1teDyn0mite
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  1. Wh1teDyn0mite
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Spent 400 on booze last month 300 on eating out and 800 on events ect last month, yolo.
1/4 Jamaican
1/4 Polish
1/4 Irish
1/4 Welsh
post 1489815991 04-04-2017, 02:33 PM
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#177
  1. IH8RICE
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  1. IH8RICE
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Originally Posted By Brosnbroc****
Yeah, early dept is a killer. Good job getting out of the hole, srs. I see a lot of my friends already getting into unnecessary dept, because they're living above their means. I'm not sure if I should say anything. I figure it's none of my business, but damn, I just know they're gonna regret it within 10 years.

In regards to moving out. Almost all my friends had moved out at 19. It's very rare to find someone 21+ whos still living at home. Living at home at 23, let alone 25+ and you're considered a huge loser, man baby, dependant etc. It's something my immigrant friends talk about from time to time, since it's normal in their culture to stay at home until marriage/when you can buy a house (ie 23+ at the very least).
My dads an alcoholic, so I had to gtfo first chance I had anyway.
I'm sorry for your situation. I do understand a lot of people don't have a support system in place to help cultivate their young adult lives and they're literally out there all alone. Your immigrant friends normally have arranged marriages? The reason I say this is there's no worries about meeting anyone or even having a social circle because you have a guaranteed wife or husband coming your way.

I'm with you in regards to your friends. Through the years I've found that people need to want to change before they're actually going to actively listen to your advice. In your friends case, it may very well be too late by the time they realize they're screwed.
post 1489837201 04-04-2017, 05:39 PM
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#178
  1. eatmycrackers
  2. lol @ nocoincels; 118 IQ
  1. eatmycrackers
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buy clothes on eBay, new you'll save money, used clothes you'll save a ton.

If you need furniture, buy off Craigslist
Posts are for fun, not to be taken seriously or as truth.

Angie Varona Appreciation Club Founder
post 1489889391 04-05-2017, 06:11 AM
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#179
  1. Aesthetical
  2. Truth Teller
  1. Aesthetical
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Originally Posted By eatmycrackers
buy clothes on eBay, new you'll save money, used clothes you'll save a ton.

If you need furniture, buy off Craigslist
Do you re-upholster it first?

Too many body juices on used furniture. Think of all the farts lodged into the fibers.
PUBG - X1
xX nRAG3D Xx

MCC Crew: WTC crew
post 1489898721 04-05-2017, 07:54 AM
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#180
  1. Adarus
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  1. Adarus
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Originally Posted By Aesthetical
Do you re-upholster it first?

Too many body juices on used furniture. Think of all the farts lodged into the fibers.
Never bought a couch or chair from CL, but the past few dining tables and chairs I've had I bought from there. My bedroom furniture (not including the mattress) came from CL. Furniture has a pretty low resale value, the trick is to look for stuff in wealthier areas. There's nothing worth buying on there local to me, but I've drove down to Nashville and Brentwood for several things. People buy something, use it for a few years until they get tired and want something new, then usually sell cheap just to get it out of the way.
MFC
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