Think it'd be neat to hear Misc methods to save money on things. Can be anything.

- Re-use soap dispensers and buy large bottles of soap intended for being put into dispensers over time. Huge savings per mL of soap.

- Cooking Groceries >>> Take Out > Dine In > Delivery - Good rule of thumb. Dining in and delivery are the most expensive due tips, delivery is even worse due to delivery fees and BS. Cook groceries to save money and also eat healthier anyways, just takes time/cleaning. Can take it a step further and avoid buying pre-made things (box food / meals), create your own meals / foods / prep from scratch. Go even harder with coupons.

- Cancel subscriptions on chit you don't use. Adds up over time, even something like $12/mo on YouTube prime, Netflix/Hulu/Amazon/Spotify/Xbox Live/Crunchy Roll/PSN+, you probably don't need more than 1 or 2 of these to be content.

- 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.

- Cancel your cable. Don't need it, just get internet and use the resources of the internet (and 1 or 2 streaming applications) as needed for what you want. Waste of money even with those "bundle deals".

- Buy your own router. Internet providers by default "lend" you a router for ~$5 a month forever without you likely realizing it. Odds are it's worse quality than a router you can get at the store. Can MAYBE do the same for your modem depending on the ISP/where you live.

- Cancel extended warranties on vehicles. Never worth it statistically, otherwise the service provider wouldn't offer it.

- Read vehicle's driver's manual and get the exact grade of gasoline it recommends. Likely only need the cheapest (87). Saves money on gas, or conversely, saves your car from crapping out and needing service from too low of a grade you'd otherwise perhaps buy.

- Pay off credit card debt ASAP to avoid interest. If you're about to swipe and realize you might carry a balance for longer than a month, simply don't do it, use checking instead or wait till you have the cash.

- Don't get a Master's/PHD immediately after the Bachelor's unless you absolutely need to (or if it's paid for by your company or military or whatever). Too many folks just jump the gun and get their Master's immediately after the Bachelor's, before any relevant work experience or good pay. They enter the industry making entry level pay due to lack of experience, just with triple/quadruple the student loan debt they would've had otherwise, and likely didn't make a good income the years they spent working on the Master's. Wait till your company / military pays for it, or don't get it at all, Bachelor's is fine for most folks unless you want a high-level exec / leadership role, which you wouldn't expect to get in your first few years of working anyways. Sometimes Master's/PHD folks are "overqualified" for roles you may want at the lower tiers.

- Take a moment and self analyze. What are you wasting the most? Are you throwing away eggs because they expire by the time you use them? Milk? Bread? Either use these things more frequently for meals, or buy in small quantities (and always get the longest expiration date you can find, this usually means grabbing from the back of the stack/isle).

All I got at the moment. Feel free to include your own.

Acknowledge consumer holidays for what they are and do not participate in them, despite societal pressure.


Christmas, Valentines, Halloween, etc.

-Instead of buying individual houses buy a block of land and redevelop it into a multiplex. It works out cheaper on a per-house basis.

-when signing large construction contracts see if you can wait until the industry is in a quiet spot because builders will quote much more favourably

-secure loans against property where possible and pay for everything else (cars, appliances etc) in cash

-make sure as much as possible of your debt interest is a tax deduction

-try to shop for redevelopment sites when there is a lot of fear in the market to get a better price

-don’t be afraid to randomly lowball offers on things sometimes the vendors are in distress and have to sell

You should make a separate thread for people who want to save money but were also lucky enough to be born into a wealthy family and have capital without working for it.

Because that is what is required in order to accomplish the things you are suggesting.


Not helpful at all for most of the population, but I acknowledge your flex. You are superior.



Edit: you may come back with some type of “just take risks” idea.....

Taking risks is not a random way to save money. And I doubt you gained wealth by taking the risks you are advocating. If that is your story, and you were not born into it, you have much more debt than wealth.

Not the point of this thread.

Now please explain your unrealistic, lying, narcissistic success story.

Completely unattainable suggestions. Buying soap to put in dispensers? Ain't nobody got that kinda dough

If you want to save money just rub your hands together really fast to kill the germs.

- If anyone is in the market for a home, build your credit asap and shop around at different banks for the best interest rate. You'd be surprised how much interest accumulates over the lifespan of a 30 year loan based on a few points difference.

- While shopping for a home, look for one that has a relatively low HOA fee and no CDD fees.

- Don't just have a bunch of cash sitting in your bank, invest in something (roth IRA, real estate, etc) and let your money work for you. Of course also do research and understand the risks of any investments before diving in blindly.

- Get a Costco membership so you can buy in bulk and save money, especially if you have a larger family.

- For all the ladies out there, minimize spa days. I'm guilty of spending hundreds of dollars a month on this but trying to cut down and do some things myself.

Accountability helps, reviewing things you spend on.

Buying quality to avoid redoing things.


Spend under your budget so emergencies do not unravel you.

no starcucks

Lol no.

Family was not wealthy and did not contribute a cent to what I have (unless you count intangibles such as work ethic)

I could go into detail about taking student loans or getting my work to sponsor my studies and grinding as a lawyer, economist then auditor to build from scratch but frankly it doesn’t fit with your “born into wealth” narrative so no point

Lol, look for a home with a low HOA fee?

How about not being associated with HOA?

Avoid not just the fees, but also the moral superiority complex of the housewives who never earned a dollar in their life judging people who earn less than their husband.

You have my interest bro. Tell me how to to turn nothing into something.

Also curious how you learned to turn nothing into something.

Best thing I've read all week hahahaa.

You should rep me if you mean that.

Just lol at using soap. What a scam. But go ahead anyway and waste your money

wash condoms and use it again if with the same sloot

Not sure if sarcastic but anyhow

Chapter I teen years

-was pretty smart in high school, loved art and painting and considered being a graphic designer but realised I’d always be poor so went to law school instead. In Australia admission to university is based on your score in standardised testing, not money or legacy. Originally planned to fund it through HECS but wasn’t necessary for reasons I can explain later

Actually that’s a good money saving tip right there: get your work to sponsor your education or choose an employer that will pay your tuition^^^ Also true

Theyre called refurbished condoms bro. You can buy them on etsy.

When are you making another one of your mugshot threads

Never had the kind of experience you're describing. HOA is mainly useful due to the extra amenities - pool, tennis court, soccer field, etc. My brother's family just bought a home in a pretty decent area with good schools and most, if not all of the surrounding neighborhood has an HOA. He pays ~$400/yr, I think it's definitely worth it. No weird gatherings of the housewives sitting around gossiping lol

I use an APP called acorns, it's like a virtual piggy bank, where they round up your money to the nearest dollar, and then invest it. Pretty neato.

Spend $1.50 on drink, charge is then rounded up to $2, the app takes the .50 and invests it. Adds up over time.

My neighbor rents his house for 1450/month. I pay 780/month mortgage and our houses are basically the same, i have been inside his. I spent 600 on rocks and 7500 on flooring this year. I havent really spent any significant money the other 3 years i have been here. Make of that what you will.

I’m asking you to relate your success story to the advice you provided.

This post does not satisfy that requirement.

Not even close.

Try again


>buy neighborhoods instead of houses
>have a chit ton of cash
>I’m guessing, none of this applies to me so I don’t actually know. But I think.
>I read if you have wealth you can have wealth
>I’ll pretend I learned it though

Well I picked up a few things and some of which you hit on in the OP.

-Just to start, pay off all debt before you actually start saving cash (beside mortgage or leveraged debt)
-Pick one or two things to use your credit card for to build credit. Keeps you from overspending
-Zero subscriptions. They add up
-Buy below your means. My past two phones have been deals and paid cash for $180. Have zero problems with them.
-Buy clothes when season is clearing out. For example buy all your shorts at the end of summer for next summer, all your winter jackets and clothes at the end of winter for next winter, etc.
-Always buy off brand stuff on a majority of our day to day items
-Only purchase things besides necessities if you can buy it at least 10x and still be fine. I made this up but I think of it as I'll only buy a 300 dollar pair of boots if I can buy 10 of them, and not even have to worry about it.
-Buy all daily routine items at the beginning of the year for the rest of the year in bulk. Tooth brushes, tooth paste, floss, deoderant, shampoo, lotions, etc. It's cheaper and you'll never have to stress about needing to get something even as miniscule as those things.


There's more but I am getting tired and can't think of them right now .

Learn to fix things
Buy cheap clothes
Dont smoke
Cash

You queried how I turned nothing into something based on a mistaken assumption I was born into wealth

It took around 2 decades starting with what I posted above

Anyhow good luck with... whatever it is you’re doing. Cheers mate

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.

reuse comdoms like in thailand

don't spend your money on stupid sh!t

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.

Brb, you asking for random ways to save money


Brb, imma flex by stating elitist ways to make money

Brb, I don’t understand basic English, and/or I’m frauding about being wealthier than I actually am.