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Living the Frugal Life *Official Thread*
04-12-2017, 11:21 AM
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#241
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Originally Posted By BMXcaprisun⏩
Ive been using the Hario Cold brew for almost a week now and its great, like you said best money spent on a coffee thing.OP, buy a Hario Cold Brew coffee pot. Best 17$ I've ever spent in my life. Been drinking high quality, cold brew coffee for ages now with that thing, and it costs next to nothing in coffee grounds. On mobile and don't feel like posting a pic.
Frugal crew checking in. Brb have more money than all my friends, dress better and have less stress simply because I'm not pissing away all my money at restaurants while also getting fat.
Frugal crew checking in. Brb have more money than all my friends, dress better and have less stress simply because I'm not pissing away all my money at restaurants while also getting fat.
My only regret is not buying the larger sized pot.
Think Im going to do so, so that I can make a larger quantity at once and have it for a few days rather than making a new batch every night.
But it honestly tastes better than any coffee I can buy including startbucks, dunkin, and the shops. Just get good beans from a local market and hnnnnnnnng.
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04-12-2017, 11:23 AM
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#242
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I also just downloaded Mint for the ipad and linked all of my accounts.
Interesting to see your money categorized after spending. But there were some errors in categorization and it didnt track my direct debit income.
Will have to tinker with it.
My hope is that I can use it for my weekly and monthly budget.
Interesting to see your money categorized after spending. But there were some errors in categorization and it didnt track my direct debit income.
Will have to tinker with it.
My hope is that I can use it for my weekly and monthly budget.
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04-12-2017, 01:48 PM
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#243
Originally Posted By Aesthetical⏩
Will check this out.I also just downloaded Mint for the ipad and linked all of my accounts.
Interesting to see your money categorized after spending. But there were some errors in categorization and it didnt track my direct debit income.
Will have to tinker with it.
My hope is that I can use it for my weekly and monthly budget.
Interesting to see your money categorized after spending. But there were some errors in categorization and it didnt track my direct debit income.
Will have to tinker with it.
My hope is that I can use it for my weekly and monthly budget.
Edit: wow this thing is amazing! You can everything for money going in and out with it. Wow.
04-17-2017, 11:48 AM
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#244
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Originally Posted By IH8RICE⏩
I think its kind of funky tbh.Will check this out.
Edit: wow this thing is amazing! You can everything for money going in and out with it. Wow.
Edit: wow this thing is amazing! You can everything for money going in and out with it. Wow.
I use ********** at work and manage the finances there and it makes tons more sense.
Im wondering if they have ********** for personal finance. I read that Quicken is the personal version, but I dont want to pay for it if I end up not liking it.
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04-17-2017, 06:08 PM
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#245
Originally Posted By Aesthetical⏩
I get what you're saying. I downloaded it and added what bank accounts/cards I could and I wasn't able to add them all so it's budgeting me for one credit card and one account although I have several of each. I use the Goodbudget app and it's pretty good. Maybe I'll tinker with it a little longer before letting it go.I think its kind of funky tbh.
I use ********** at work and manage the finances there and it makes tons more sense.
Im wondering if they have ********** for personal finance. I read that Quicken is the personal version, but I dont want to pay for it if I end up not liking it.
I use ********** at work and manage the finances there and it makes tons more sense.
Im wondering if they have ********** for personal finance. I read that Quicken is the personal version, but I dont want to pay for it if I end up not liking it.
04-17-2017, 06:18 PM
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#246
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Originally Posted By Tomohokk⏩
fuking hate that mindsetBut in the end doesn't matter because we all die. It's about enjoying that ****.
Feel like I'm 45 in a 26 year olds body. Everyone my age are those YOLO/live in the moment/don't even bother to think long term *******s
This thread has given me hope though
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04-17-2017, 06:29 PM
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#247
Originally Posted By ToolTime2120⏩
Those same ******* are the one I see at work working 12 hours a day at 60 because they can't retire with all the debt they've acquired.fuking hate that mindset
Feel like I'm 45 in a 26 year olds body. Everyone my age are those YOLO/live in the moment/don't even bother to think long term *******s
This thread has given me hope though
Feel like I'm 45 in a 26 year olds body. Everyone my age are those YOLO/live in the moment/don't even bother to think long term *******s
This thread has given me hope though
04-17-2017, 06:39 PM
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#248
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Sounds like responsible spending habits OP. lol at the tuesday movie theatre thing (I do the same thing). The real question is what are your doing with the money saved? Please tell me you are doing your research and have a strategic investment plan. Because that is just as important as being able to manage your money responsibly, if you ever want to reach your goals of being financially independent.
04-17-2017, 07:01 PM
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#249
Be patient with Mint, it has a learning curve. Do not try to go back and categorize all your transactions you bulk downloaded in one sitting. You will burn yourself out and get frustrated.
Chip away at them, then once your caught up try to keep at it daily or weekly.
You will be amazed at how much you spend on coffee shops/eating out if your like many of us.
Here is a good example. Right now I have spent 215.00 month to date on coffee shops and eating out. In addition I have spent 60.00 on groceries. LOL.
Chip away at them, then once your caught up try to keep at it daily or weekly.
You will be amazed at how much you spend on coffee shops/eating out if your like many of us.
Here is a good example. Right now I have spent 215.00 month to date on coffee shops and eating out. In addition I have spent 60.00 on groceries. LOL.
04-20-2017, 06:39 AM
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#250
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Originally Posted By thorpowers⏩
I finished reading 'Money Manage the Game' a month or so back. Ive got money invested in my Roth but it isnt a ton, maybe just 10k with the bulk of it in a 500 index and total market index. Im still young so Ive got father time to help ride the waves of the market. Ill get into some bonds and other holdings in the future when I learn more about them and can make a better investment decision. I really would like to be a landlord but my wife and I are far off from being able to afford a two family home.Sounds like responsible spending habits OP. lol at the tuesday movie theatre thing (I do the same thing). The real question is what are your doing with the money saved? Please tell me you are doing your research and have a strategic investment plan. Because that is just as important as being able to manage your money responsibly, if you ever want to reach your goals of being financially independent.
Originally Posted By fate0311⏩
Lol I deleted Mint already. Going to try out a different software app.Be patient with Mint, it has a learning curve. Do not try to go back and categorize all your transactions you bulk downloaded in one sitting. You will burn yourself out and get frustrated.
Chip away at them, then once your caught up try to keep at it daily or weekly.
You will be amazed at how much you spend on coffee shops/eating out if your like many of us.
Here is a good example. Right now I have spent 215.00 month to date on coffee shops and eating out. In addition I have spent 60.00 on groceries. LOL.
Chip away at them, then once your caught up try to keep at it daily or weekly.
You will be amazed at how much you spend on coffee shops/eating out if your like many of us.
Here is a good example. Right now I have spent 215.00 month to date on coffee shops and eating out. In addition I have spent 60.00 on groceries. LOL.
I did the same at coffee shops until I got my own cold brew pot.
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04-20-2017, 07:05 AM
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#251
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Originally Posted By fate0311⏩
Thankfully I got a wife that hates to eat out, 2 entrees of a steak dinner is $50.. 4 steaks at a local meat shop is $17, and much better quality at that.. Eating out is one of the biggest budget busters out there, it's so easy to just say fuk it and go eat out, rather then stand over a grill ..Be patient with Mint, it has a learning curve. Do not try to go back and categorize all your transactions you bulk downloaded in one sitting. You will burn yourself out and get frustrated.
Chip away at them, then once your caught up try to keep at it daily or weekly.
You will be amazed at how much you spend on coffee shops/eating out if your like many of us.
Here is a good example. Right now I have spent 215.00 month to date on coffee shops and eating out. In addition I have spent 60.00 on groceries. LOL.
Chip away at them, then once your caught up try to keep at it daily or weekly.
You will be amazed at how much you spend on coffee shops/eating out if your like many of us.
Here is a good example. Right now I have spent 215.00 month to date on coffee shops and eating out. In addition I have spent 60.00 on groceries. LOL.
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04-20-2017, 07:11 AM
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#252
04-20-2017, 07:31 AM
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#253
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Originally Posted By axiom15⏩
I don't have an account with them yet, but I've heard Schwab is the best for checking because they reimburse you for ATM fees and have good rates on FX transactions. Don't know how good they are for interest rates, but if you're looking for higher interest rates and don't need wide ATM access, Credit Unions are usually a good place to start.What bank do y'all have for savings? Probably going with Ally but just want opinions
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04-20-2017, 07:32 AM
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#254
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Originally Posted By Zuggie⏩
Mine is too but neither of us want to cook all the time. I like grilling I don't want coming home from work and getting charcoal going to be part of my everyday routine so I'll do quite a bit of cooking at once. If I'm grilling sirloin one evening I'll patty out some burgers and cook them as well to heat up over the next few nights. Got it down to where I grill Sunday morning/afternoon to prep our lunch for the week and then once, maybe twice during the week after work.Thankfully I got a wife that hates to eat out, 2 entrees of a steak dinner is $50.. 4 steaks at a local meat shop is $17, and much better quality at that.. Eating out is one of the biggest budget busters out there, it's so easy to just say fuk it and go eat out, rather then stand over a grill ..
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04-20-2017, 07:34 AM
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#255
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Glad to see this thread still going. My overall goal is to have residual income through real estate. I would love to retire by 38 and coach soccer, collect rent, and use my investments until the day I die. Willing to grind the 9-5 life hard.
04-20-2017, 07:41 AM
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#256
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Originally Posted By ProboscisMonkie⏩
Im hopeful I can get at least one rental property in the next 5 years. Ill have to figure out how to keep acquiring more as I go along but thats how Im going to make it.Glad to see this thread still going. My overall goal is to have residual income through real estate. I would love to retire by 38 and coach soccer, collect rent, and use my investments until the day I die. Willing to grind the 9-5 life hard.
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04-20-2017, 07:51 AM
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#257
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Originally Posted By nas_is_illmatic⏩
I use Simple for checking, was also looking into alliant for savings . Do you personally use a credit union?I don't have an account with them yet, but I've heard Schwab is the best for checking because they reimburse you for ATM fees and have good rates on FX transactions. Don't know how good they are for interest rates, but if you're looking for higher interest rates and don't need wide ATM access, Credit Unions are usually a good place to start.
04-20-2017, 08:03 AM
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#258
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Originally Posted By axiom15⏩
I use GSBank, 1.05%. Ally is good, too.What bank do y'all have for savings? Probably going with Ally but just want opinions
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04-20-2017, 08:18 AM
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#259
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Originally Posted By Aesthetical⏩
I was dropping some stuff off at Goodwill the other day and decided to go inside and see what kinds of stuff they were selling. Tons of nice dress shoes, shirts, pants, etc for $5-10. I was seriously walking down the isles looking at item after item that people obviously never used/wore and just gave away.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 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.
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04-20-2017, 08:25 AM
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#260
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just ended up saving about $12/mo on my verizon cell phone bill and getting 2gb more data per month
switched from 3gb for $45/mo to 5gb for $40/mo
$5/mo off on top of that for paperless billing + autopay
was supposed to get 23% company discount but was only getting 20% because i had paper billing. going paperless got me the extra 3%
switched from 3gb for $45/mo to 5gb for $40/mo
$5/mo off on top of that for paperless billing + autopay
was supposed to get 23% company discount but was only getting 20% because i had paper billing. going paperless got me the extra 3%
04-20-2017, 08:42 AM
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#262
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Originally Posted By sgregor249⏩
If you really wanted to go cheap you could google voice + prepaid phone.just ended up saving about $12/mo on my verizon cell phone bill and getting 2gb more data per month
switched from 3gb for $45/mo to 5gb for $40/mo
$5/mo off on top of that for paperless billing + autopay
was supposed to get 23% company discount but was only getting 20% because i had paper billing. going paperless got me the extra 3%
switched from 3gb for $45/mo to 5gb for $40/mo
$5/mo off on top of that for paperless billing + autopay
was supposed to get 23% company discount but was only getting 20% because i had paper billing. going paperless got me the extra 3%
"There's a fine line between salvation and drinking poison in the jungle." -Gym Jones
"The soul becomes dyed with the color of its thoughts." - Marcus Aurelius
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04-20-2017, 08:57 AM
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#263
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I save a little north of 2200 a month after all expenses. Honestly the biggest thing that helped me was using a google spreadsheet to create a monthly budget. Google already has the template laid out for you so it's super easy to use. Just allocate an appropriate amount for each type of expense (transportation, food, medical) and try to stick to it as best you can. It's helped a **** ton
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04-20-2017, 08:59 AM
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#264
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Huge Saver = Kodi + Exodus
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04-20-2017, 09:06 AM
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#265
Tips for not living paycheck to paycheck?
What I do now:
- automatically save $100 every paycheck! (Paid every week)
- deduct a certain amount for my transportation money for the week
- make payments towards bills
- then with the remainder I use it for food during lunch break @ work, buy myself a few nice things, take out about $20 cash for my wallet I have a bad habit of NOT carrying cash which isn't good for emergencies.
Anyway, so many times I find myself in a position where I'm waiting for next week's paycheck! Should I hold $100 for one week's paycheck and have that be "rainy day" emergency check where it gives me a cushion so I'm not always waiting for next week's paycheck?
Like this week after everything, I managed to have $20 left from last week's pay.
Thoughts? (I hope I'm making sense)
What I do now:
- automatically save $100 every paycheck! (Paid every week)
- deduct a certain amount for my transportation money for the week
- make payments towards bills
- then with the remainder I use it for food during lunch break @ work, buy myself a few nice things, take out about $20 cash for my wallet I have a bad habit of NOT carrying cash which isn't good for emergencies.
Anyway, so many times I find myself in a position where I'm waiting for next week's paycheck! Should I hold $100 for one week's paycheck and have that be "rainy day" emergency check where it gives me a cushion so I'm not always waiting for next week's paycheck?
Like this week after everything, I managed to have $20 left from last week's pay.
Thoughts? (I hope I'm making sense)
04-20-2017, 09:20 AM
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#266
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I think of myself as pretty frugal but then I'll go out on the weekend and drop $100 in food and beer. During the week I'm golden though and still ahead of most of my peers.
Similar to mint but I like it better
Originally Posted By Aesthetical⏩
I recently started making cold brew with an old french press. Would getting the Hario be worth it?Ive been using the Hario Cold brew for almost a week now and its great, like you said best money spent on a coffee thing.
My only regret is not buying the larger sized pot.
Think Im going to do so, so that I can make a larger quantity at once and have it for a few days rather than making a new batch every night.
But it honestly tastes better than any coffee I can buy including startbucks, dunkin, and the shops. Just get good beans from a local market and hnnnnnnnng.
My only regret is not buying the larger sized pot.
Think Im going to do so, so that I can make a larger quantity at once and have it for a few days rather than making a new batch every night.
But it honestly tastes better than any coffee I can buy including startbucks, dunkin, and the shops. Just get good beans from a local market and hnnnnnnnng.
Originally Posted By faxanadu⏩
Yea man I'll swing by on my lunch break every couple weeks. Maybe only get one or two items per visit but over time it adds up to a very frugal but nice wardrobe. Kinda sucks that there's not much stock of medium clothes. All the old guys around here donating their clothes must be huge.I was dropping some stuff off at Goodwill the other day and decided to go inside and see what kinds of stuff they were selling. Tons of nice dress shoes, shirts, pants, etc for $5-10. I was seriously walking down the isles looking at item after item that people obviously never used/wore and just gave away.
Originally Posted By Aesthetical⏩
Check out the website personalcapital.comLol I deleted Mint already. Going to try out a different software app.
Similar to mint but I like it better
04-20-2017, 09:25 AM
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#267
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Originally Posted By awilll⏩
Ive never used a french press before so I dont know what the quality is like and if any coffee grounds can find its way into your cup, but since using the Hario its been clean coffee with no grounds. Uses a mesh plastic filter.I think of myself as pretty frugal but then I'll go out on the weekend and drop $100 in food and beer. During the week I'm golden though and still ahead of most of my peers.
I recently started making cold brew with an old french press. Would getting the Hario be worth it?
Yea man I'll swing by on my lunch break every couple weeks. Maybe only get one or two items per visit but over time it adds up to a very frugal but nice wardrobe. Kinda sucks that there's not much stock of medium clothes. All the old guys around here donating their clothes must be huge.
Check out the website personalcapital.com
Similar to mint but I like it better
I recently started making cold brew with an old french press. Would getting the Hario be worth it?
Yea man I'll swing by on my lunch break every couple weeks. Maybe only get one or two items per visit but over time it adds up to a very frugal but nice wardrobe. Kinda sucks that there's not much stock of medium clothes. All the old guys around here donating their clothes must be huge.
Check out the website personalcapital.com
Similar to mint but I like it better
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04-20-2017, 09:29 AM
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#268
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Originally Posted By Brocq17⏩
I need to find that spreadsheet.I save a little north of 2200 a month after all expenses. Honestly the biggest thing that helped me was using a google spreadsheet to create a monthly budget. Google already has the template laid out for you so it's super easy to use. Just allocate an appropriate amount for each type of expense (transportation, food, medical) and try to stick to it as best you can. It's helped a **** ton
I made a very basic template in excel just so detail how much and what my money needs to be allocated to, but Ive been having a hard time finding an actual budgeting app or an actual spreadsheet that works for me.
If I could manage my personal finances like I manage the business I work for I would be golden.
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04-20-2017, 09:58 AM
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#269
- Zuggie
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Originally Posted By gixxer0.6g⏩
This... "babe let's go to to the movies".. how about we cuddle up, I'll get the popcorn and we can watch it right on our couch..Huge Saver = Kodi + Exodus
I'm from the Land of Blood and Honey
04-20-2017, 10:03 AM
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#270
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Originally Posted By Aesthetical⏩
type into Google, google doc budget. It's the first one that comes upI need to find that spreadsheet.
I made a very basic template in excel just so detail how much and what my money needs to be allocated to, but Ive been having a hard time finding an actual budgeting app or an actual spreadsheet that works for me.
If I could manage my personal finances like I manage the business I work for I would be golden.
I made a very basic template in excel just so detail how much and what my money needs to be allocated to, but Ive been having a hard time finding an actual budgeting app or an actual spreadsheet that works for me.
If I could manage my personal finances like I manage the business I work for I would be golden.
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