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

post 1491808921 04-20-2017, 11:29 AM
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#271
  1. Aesthetical
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  1. Aesthetical
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Originally Posted By Brocq17⏩
type into Google, google doc budget. It's the first one that comes up
Thanks, Ill check it out.

My wife and I put all of our shared expenses on one credit card and split it down the middle when we pay it.

Think it averages around $700-800/month including rent as our cost of living.
PUBG - X1
xX nRAG3D Xx

MCC Crew: WTC crew
post 1491809331 04-20-2017, 11:32 AM
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#272
  1. BaronOBeefDerp
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The only reason I'm frugal is because I don't (and never will) make much money. I ****ing hate my life so much.
post 1491809431 04-20-2017, 11:33 AM
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#273
  1. Aesthetical
  2. Truth Teller
  1. Aesthetical
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Originally Posted By BaronOBeefDerp⏩
The only reason I'm frugal is because I don't (and never will) make much money. I ****ing hate my life so much.
What is your job/profession?
PUBG - X1
xX nRAG3D Xx

MCC Crew: WTC crew
post 1491811821 04-20-2017, 11:47 AM
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#274
  1. ILoveTrance
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  1. ILoveTrance
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Didnt know the misc have some MMM´s! IN!
post 1491812291 04-20-2017, 11:50 AM
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#275
  1. BaronOBeefDerp
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  1. BaronOBeefDerp
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Originally Posted By Aesthetical⏩
What is your job/profession?
I'm helping out a local government's planning department with some GPS, surveying, and other monkey work. It's $11/hr. Only got it after I moved back home after treatment and my mom has a friend there.
post 1491813601 04-20-2017, 11:57 AM
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#276
  1. bromioso
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  1. bromioso
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Originally Posted By BaronOBeefDerp⏩
I'm helping out a local government's planning department with some GPS, surveying, and other monkey work. It's $11/hr. Only got it after I moved back home after treatment and my mom has a friend there.
It's good experience that can take you somewhere else. Try and stay positive, brother. After moving back home I stocked groceries in a supermarket, then washed dishes, before landing something "decent" now through a temp agency!

Everyone starts from somewhere
post 1491819111 04-20-2017, 12:39 PM
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#277
  1. ProboscisMonkie
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Originally Posted By BaronOBeefDerp⏩
I'm helping out a local government's planning department with some GPS, surveying, and other monkey work. It's $11/hr. Only got it after I moved back home after treatment and my mom has a friend there.
Thats fine brah, but dont be all sad and waste your money man. If you can invest $500 a month, youre golden.
post 1491831491 04-20-2017, 02:07 PM
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#278
  1. Zuggie
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Originally Posted By ProboscisMonkie⏩
Thats fine brah, but dont be all sad and waste your money man. If you can invest $500 a month, youre golden.
lmao invest $500 a month and only making $11 /hr.. Hilarious, especially if he has bills which I'm sure he does..

Start small brah, $50 every paycheck if possible, maybe even $100 if your expenses aren't high..
I'm from the Land of Blood and Honey
post 1491834091 04-20-2017, 02:26 PM
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#279
  1. DROCTAGON28
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cut my own hair (undercut)
repair my own two vehicles
do my own home repairs. recently installed ceramic flooring, kitchen faucet, reverse osmosis water system, new ceiling fans
*Insurance Agent Crew*
*Lexus Crew*
*Trojan MAGNUM Crew*
*Former Antidepressant Crew*
*5 Million Dollar Life Policy On Myself To Create Legacy For Family Crew*
*Garages dirt bikes in living room since wife left me Crew*
*Black Jesus Crew*
post 1491924461 04-21-2017, 08:46 AM
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#280
  1. mp83
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  1. mp83
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Payday is nice. Money in my account and money into my index funds.
{Misc Fisherman Crew}
{Misc Investing Crew}
post 1492350551 04-24-2017, 07:45 PM
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#281
  1. Adarus
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  1. Adarus
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How about cutting the cord, any of you all done it? Been something I've looked into doing for a while but haven't sat down and looked into what all resources I can stream online from. I know about Kodi and all of it's sub-apps, kind of looking for something for live TV more than anything.
MFC
post 1492537191 04-26-2017, 07:57 AM
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#282
  1. turdburglar9021
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I'm looking into setting up an attic antenna to get local channels, supposed to be pretty good quality. Then I'd dump cable if it works out. I'm watching Netflix most of the time anyway
post 1492943411 04-29-2017, 01:43 PM
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#283
  1. nas_is_illmatic
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Originally Posted By BaronOBeefDerp⏩
The only reason I'm frugal is because I don't (and never will) make much money. I ****ing hate my life so much.
This is late, but brah, I highly recommend you read about stoicism. I'm not a religious person at all, but I really do think reading some spirituality like this will help a lot of people that worry about petty things (like how much they can consume) get over these insecurities. None of that stuff will make you happy because happiness is a mindset, not a destination.

I have a good job/career, but make a fraction of what a few of my really good friends make (a few of who are on pace to become millionaires by age 33). I'm as happy as a lark, but they still feel broke and unhappy for a myriad of reasons, but generally because they're realizing that no amount of stuff/prestige can make them happy.
"I switched my motto, instead of saying "**** tomorrow"
That buck that bought a bottle could've struck the lotto"
-Nasir bin Olu Dara Jones

**Value Investor**
**CPA**
**Amateur Photographer**
post 1492947261 04-29-2017, 02:23 PM
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#284
  1. lolwhatthefuk
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  1. lolwhatthefuk
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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.
Pink dumbbells crew
Hard time opening heavy doors crew
Can't reach the top shelf crew
Helpless crew


Go to the gym and actually try

Helpless-nuff said


When you're old and no longer a woman you'll need to have saved money to live off of.
post 1492947891 04-29-2017, 02:28 PM
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#285
  1. ProboscisMonkie
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  1. ProboscisMonkie
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Just put 11k in VTSMX, 3k in VBMFX. Have 12k in a low volatile ETF and will put 5k in VGSTX and the rest in bonds.

Hoping to make it crew! Im 26 and will let it ride.
post 1492948161 04-29-2017, 02:31 PM
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#286
  1. colbski
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genuine happiness boys and girls. that's what it's about.
:D
post 1492948171 04-29-2017, 02:31 PM
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#287
  1. ctownballer04
  2. Get Money
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tfw I literally haven't cooked a single meal since June 2016.
post 1492950621 04-29-2017, 02:57 PM
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#288
  1. mp83
  2. i need a tan
  1. mp83
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Originally Posted By ProboscisMonkie⏩
Just put 11k in VTSMX, 3k in VBMFX. Have 12k in a low volatile ETF and will put 5k in VGSTX and the rest in bonds.

Hoping to make it crew! Im 26 and will let it ride.
You can convert Vanguard investor shares into Admiral shares and have a lower ER once they hit $10k. I.e. your VTSMX can be converted into VTSAX. No taxes on conversion, either
{Misc Fisherman Crew}
{Misc Investing Crew}
post 1492951351 04-29-2017, 03:06 PM
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#289
  1. SaviorSelfJT
  2. clownslayer
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Originally Posted By ProboscisMonkie⏩
Just put 11k in VTSMX, 3k in VBMFX. Have 12k in a low volatile ETF and will put 5k in VGSTX and the rest in bonds.

Hoping to make it crew! Im 26 and will let it ride.
11k in VTSMX? Why not admiral shares (VTSAX) ?

edit: wizard ^
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1492952161 04-29-2017, 03:15 PM
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#290
  1. SaviorSelfJT
  2. clownslayer
  1. SaviorSelfJT
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Anyone here pretty much living off of savings and having their retirement contributions maxed out?

After taxes and retirement account contribution, my paychecks are teeny tiny, not enough to cover living expenses. Negative cash flow means that I'm basically taking the money I made interning when I was in school and putting it into a 401k that I didn't have access to at the time.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1492952481 04-29-2017, 03:18 PM
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#291
  1. ProboscisMonkie
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Originally Posted By mp83⏩
You can convert Vanguard investor shares into Admiral shares and have a lower ER once they hit $10k. I.e. your VTSMX can be converted into VTSAX. No taxes on conversion, either
Originally Posted By SaviorSelfJT⏩
11k in VTSMX? Why not admiral shares (VTSAX) ?

edit: wizard ^
I put in 6k originally then added 5k the other day. I should be getting a message from Vanguard to switch over. If not Ill call.
post 1492952631 04-29-2017, 03:20 PM
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#292
  1. SaviorSelfJT
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Originally Posted By ProboscisMonkie⏩
I put in 6k originally then added 5k the other day. I should be getting a message from Vanguard to switch over. If not Ill call.
You can do it in the web UI immediately. There's a link that says "convert to admiral" if you go to the "buy and sell" link.I know first hand because I converted vtsmx to vtsax about a couple weeks ago.

You could be months waiting around from an email with them. From what I've read on other forums, their auditing seems to be done every few months. (ex: people being told to put more money if they withdrew to below 10k)
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1492952821 04-29-2017, 03:22 PM
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#293
  1. Mercworx
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Originally Posted By Aesthetical⏩
I can honestly say the only thing I really do misses is going out to eat at restaurants. We still do from time to time, but going to get mexican or a nice italian place is hnnnng.

I used to cringe so hard when Id look at my debit card statement and see 90% of the charges on food.
So true. I stopped eating out, saved tons of money.
post 1492953651 04-29-2017, 03:29 PM
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#294
  1. ProboscisMonkie
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Originally Posted By SaviorSelfJT⏩
You can do it in the web UI immediately. There's a link that says "convert to admiral" if you go to the "buy and sell" link.I know first hand because I converted vtsmx to vtsax about a couple weeks ago.

You could be months waiting around from an email with them. From what I've read on other forums, their auditing seems to be done every few months. (ex: people being told to put more money if they withdrew to below 10k)
Thanks! Just did it now. Repped
post 1493053651 04-30-2017, 03:02 PM
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#295
  1. DolphinPilot
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So this post likely belongs in the investing thread but I was curious if any of you were putting money away in investments for anything other than retirement. I already have a good retirement setup with my employer, but I'm hoping to get enough money put together to afford a nice down payment on a house. I just want to put my money somewhere where it can grow modestly and NOT lose out to inflation, not really looking to make bank with the returns. Would mutual funds or ETFs still be the way to go? this would be relatively short-term, so would bonds be a better bet in my case?

pov reps for help, of course.
post 1493056281 04-30-2017, 03:28 PM
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#296
  1. IH8RICE
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Originally Posted By DolphinPilot⏩
So this post likely belongs in the investing thread but I was curious if any of you were putting money away in investments for anything other than retirement. I already have a good retirement setup with my employer, but I'm hoping to get enough money put together to afford a nice down payment on a house. I just want to put my money somewhere where it can grow modestly and NOT lose out to inflation, not really looking to make bank with the returns. Would mutual funds or ETFs still be the way to go? this would be relatively short-term, so would bonds be a better bet in my case?

pov reps for help, of course.
A couple of pages ago the investment app ACORNS was briefly talked about. I've started invested a few hundred a month towards it. It creates a portfolio based on a questionnaire you get after downloading the app, You can modify the risk in the portfolio at any time. The fee is 1 dollar until the first 5k then .25% after.
post 1493057081 04-30-2017, 03:37 PM
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#297
  1. MetalHead6
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Originally Posted By axiom15⏩
What bank do y'all have for savings? Probably going with Ally but just want opinions
I have Discover and just made an account for Ally. Discover raised their interest rates from 0.95% to 1.01% and Ally went from 1.00% to 1.05% recently. There are some other ones like Redneck Bank at 1.25% but I don't know much about them.
post 1493057301 04-30-2017, 03:39 PM
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#298
  1. MetalHead6
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How many of you guys are Bogleheads/Mustachians? Glad to find a thread on here about LBYM and becoming FI instead of slaving away at a job till you're in your 60's or later.
post 1493057491 04-30-2017, 03:41 PM
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#299
  1. ProboscisMonkie
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Originally Posted By MetalHead6⏩
How many of you guys are Bogleheads/Mustachians? Glad to find a thread on here about LBYM and becoming FI instead of slaving away at a job till you're in your 60's or later.
MMM confuses me to be honest. I read a few of the blogs, but got bored after a while
post 1497242261 05-01-2017, 07:59 PM
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#300
  1. SaviorSelfJT
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Originally Posted By DolphinPilot⏩
So this post likely belongs in the investing thread but I was curious if any of you were putting money away in investments for anything other than retirement. I already have a good retirement setup with my employer, but I'm hoping to get enough money put together to afford a nice down payment on a house. I just want to put my money somewhere where it can grow modestly and NOT lose out to inflation, not really looking to make bank with the returns. Would mutual funds or ETFs still be the way to go? this would be relatively short-term, so would bonds be a better bet in my case?

pov reps for help, of course.
I do. It doesn't really have a purpose tbh, no idea what I'll end up using it for. It's just "extra money" that never got into a retirement account.

If you use roth retirement accounts, there's really no reason to not max them so read up on that before doing anything. I say this because you can withdraw the contributions penalty free. Up to you what you put in it, depends on your risk/reward tolerance. Just pointing out the retirement/ non retirement thing. (read this as: don't take my advice, do your own research with regard to this).

Originally Posted By MetalHead6⏩
I have Discover and just made an account for Ally. Discover raised their interest rates from 0.95% to 1.01% and Ally went from 1.00% to 1.05% recently. There are some other ones like Redneck Bank at 1.25% but I don't know much about them.
I use discover, the customer service has been really good. IMO you shouldn't have enough in a savings account such that the difference between those rates should cause you to switch.
Originally Posted By MetalHead6⏩
How many of you guys are Bogleheads/Mustachians? Glad to find a thread on here about LBYM and becoming FI instead of slaving away at a job till you're in your 60's or later.
I read the bogleheads forums, and I read the bogleheads guide to investing book. The forum gets boring fast, its the same stuff posted over and over again it seems. I've read some from the money mustache guy, I thought he was nuts. He said you should spend no more than 10 percent of your take home salary on the total price of a car, assuming you paid for the car at once. In other words, you would need to make like 500k a year to buy a new corolla. Maybe that was the financial samuria, can't remember. I think a lot of people tend to spend too much on their car, but that is just absurd.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
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