How are you finding ways to be frugal and save money? What are some things in your life that you are willing to pay up for?>Shopping reduced sections at the grocery store to buy meat to freeze. Got ground beef at just over $4 a pound yesterday. >Gardening and growing fruit and vegetables using reclaimed seeds from last years harvest and/or saving seeds from the market. You can basically grow an entire garden for next to nothing if you start from seeds. >Composting so I never need to buy soil.>Scraping aluminum cans and picking up cans I see while I go for walks (incentivizing walks and keeping your neighborhood clean).>Using tools and licenses from work. I am a tech wagie so use it for computer accessories and cheap M365 subscriptions, etc. I know blue collar wagies who bring home thousands of dollars in copper and other metals every year. >We have only one vehicle in our family. Better to not have a vehicle at all but for us this is the bare necessity.> Bikemaxxing and riding my bike everywhere I can in my town for everyday errands instead of driving.>Librarymaxxing. I never buy books and I read a lot of them. If my wife would let me I'd cancel all subscription streaming services and purely use the library for dvd's and blurays. I think they even have vidya if that's your thing.>Thriftmaxxing. >Only drink coffee from home and aside from coffee, tea and water. >If warm or sunny, hang dry all laundry.>Use apps for fast food to get best deal.>Pirate software.>Buy as often as possible on FBM and lowball boomers and yuppies.>Bought a small home built in the 70s that was somewhat of a fixer-upper but is close to everything in my small town so I can walk or bike everywhere.
>>61939913Drink your own piss
>>61939913>If my wife would let meYou're a bitch. If you pirate software, why not pirate movies and tv shows?
>>61939913DEENZ + bread
>>61940032kek
>>61940037Pirating software is a rare occurrence (did it for a DAW and some Adobe crap) whereas I don't really want to consistently be pirating media. I would first cut subscriptions and use the library for media rather then pirate it. However, I've been getting into homelab more and thought about making a plex server but not sure if worth my time as I have a lot of irons in the fire.
still live with mommy>>61940177checked and based
>>61940193>I don't really want to consistently be pirating mediaWhy not? You don't even have to download anything if you're worried about that. You can visit any number of free streaming sites with an ad blocker and watch anything.Have fun being poor forever because your wife won't let you cancel your half dozen streaming subscriptions.
>>61940220I pay for Netflix and HBO and it's not exactly making me poor. I own more bitcoin and property than you, I'd bet. And I can tell you don't live with a woman, talking ad blockers and using a computer to consume media. If I lived alone, my frugality would be extreme but alas, having a family requires a degree of sacrifice.
>>619399131. Yeah libraries have a shit ton of free things. Always check out your local library. It's not just books.2. Vegetable gardening is very rarely worth the time and money. Trust me on that one because I tried it for 2 years. Gardening should only be for fun, and if you really care about eating healthy with no chemical herbicide/pesticides.>>61940177Canned sardines aren't cheap food anymore.
>>61940193Everythings free if you go to Yandex.com and search "Watch (Movie name) Free Online"
>>61940255"(Hindi subtitles)"
>>61940244>And I can tell you don't live with a woman, talking ad blockers and using a computer to consume media.this is why a plex or jellyfin server is so goated. watching movies on a browser dries them up. if it doesnt look and feel like a netflix UI don't even bother with that being said, i still have one streaming service because not everything is available with torrents right away. it can take a few days from the time a show is released for it to end up on torrent sites.
>>61940291>Pussy shrivels up cause of a jewgle chrome tabYikes
>>61940249It can be expensive in the beginning when you are building it or needing tools but aside from that, can be as cheap as you want. Water can be relatively expensive too but if you drip irrigate or use rainwater, it can be cheap. You've got to use seeds b/c if you buy starts it'll get expensive quick. We're in our 4th year with this garden and i've only spent like 5 bucks on seeds so far and the rest are from last years harvest. Eating food you grew is super cool.>>61940255Ha yeah sure, ask your family to do that.>>61940291Exactly. Am thinking about setting up a plex server.
>>61940244>I pay for Netflix and HBO and it's not exactly making me poorIt is, on top of whatever other dumb shit your wife also makes you spend money on. How much are you spending on bull prepping services?> I own more bitcoin and property than you, I'd betYou don't.>And I can tell you don't live with a womanI don't, and if I did, I wouldn't let her demand that we pay money for streaming subscriptions that would be better used elsewhere. That's limp-wristed loser behavior.
>>61940378>How much are you spending on bull prepping services?$69 per month
Doing all this shit t save like 10 bucksFUCKING KEKAROOYou are a spic right? the only people that are think 5 or 10 bucks is alot of money.
I'm not under 5k/mo(all expenses) it's genuinely hard
if you are in CA (calif. not canada):>cooked food is taxed at regular sales tax, so avoid buying cooked food, even at grocery stores.>figure out how to get EBT>you already mentioned thirftmaxxing but worthy to note that buying stuff at thrift store also avoids that pesky sales tax. just plan to wash any used clothes directly because some might have nasty shit in it and i'm pretty sure they do not get washed before being sold.
>>61940410By viewing small amounts of money as insignificant, you create a mindset that is prone to frequent spending. I try to look at such amounts of money as smaller pieces of the bigger picture. A penny saved is a penny earned. I'm white.>>619404795k of expenses in a month? Yeah, that's hard, especially with a mortgage. I'm always trying to cut my expenditures but if you have mortgage or rent, you're usually already half way there.>>61940556Good advice. I earn too much to qualify for EBT otherwise I would. If i lived in CA though I maybe I could. I love your state but it's prohibitively expensive and don't know how regular people are getting by over there. Goodwill and the charity-based thrifts where I live definitely wash the clothes prior to sale, thank God.
>>61939913>Cancel all your streaming services
>>61939913Why not increase your income instead of limiting yourself?
>>61941653why not both?
>>61941653>just make more money bro
>>61941653I have relatively high income already but yeah, always looking to do that. I could get more money in a different company but given how the job market is right now, better to stay put and this company is rock solid. I have a side gig and resell collectibles on ebay as well. And >>61941704 is how I view it. With the AI and robotics economy coming, I'm definitely looking to save more in cash and build our emergency fund instead of dumping every spare penny into bitcoin.
>>61939913Just set a number to save and blow the rest. Misers are retarded
>>61941706Do you fear not being able to make money in the future?
I make $80k a year and all of my expenses (rent, bills, etc.) are $1,350, or about $16k annually. When you calculate how much you’re spending every month, you realize you spend $400 a month on total bullshit. You can cut that out easily. But also,>eat out once a month>have inexpensive habits (reading, playing musical instruments)>quit or massively cut down on any addiction like nicotine, alcohol or weedYou’re just a product of your habits, whether they’re good or bad. But it gets easier. Pic related.
>>61943772You make an entry level salary for a C graduate in STEM
>>61939913you cant learn it. frugalmaxxing takes years for some decades. you need to be naturally frugal otherwise you will always feel like you are missing out/constraining yourself. its like a healthy diet, you either do it long term or dont do it at all otherwise whats the point. having said that, find enjoyment in things other than consumerism. the best things in life dont cost money or at least not a lot.
>>61943754It was sort of expected since the beginning of the modern era that you’d make more as you got older. AI is throwing a wrench in that. The only sector with real job growth is healthcare/nursing, blue collar is a bit flat and white collar is collapsing. That’s not particularly reassuring, especially when white collar had the greatest ROI.
>>61943794Nah look into it more
>>61943779This doesn’t bother me. My needs are met, and I feel grateful. Are your needs met? Are you grateful?
>>61943803Then why are you being frugal
>>61943798Claude could replace everyone in my organization, including the CEO. Unless you’re doing something at the frontier of your profession, you can be replaced at your white collar role. And even then, that’s getting gradually chipped away.
>>61943813Not true
>>61943806So that I can save $50k a year and give my family a better life than the one I did. What am I going to do with $50k? Buy a fast car? Some ugly watch? No thanks, that’s all just the hedonic treadmill.
This board is called business and finance not “wage slave and frugal maxx like a pussy cuck”. This board is for people who want to get rich. None of you belong here.
>>61943817It’s totally true. The output isn’t always ideal, but someone could easily can their team and just orchestrate agents to do the work for $2k in tokens a month rather than $50k in salaries. Most people don’t really do anything “new”, and it can easily be automated.
>>61943823You don’t belong here. Go back to your baptist pastor or whatever the fuck. Board has been overran by a bunch of flyover state retards for too long. Leave.
>>61943828Okay, have fun chasing the next sector to pump money into. As the years go by, your chances of beating the market approach zero. You’re not as clever as you believe yourself to be.
>>61943828being frugal AND investing (mostly boomer etfs) over decades is unironically and realistically the only way out for the majority of people here. what you are thinking about is probably the next 100x crypto pump&dump scam. if anything you are the one destroying this board.
>>61939913i wfh, barely drive, never go anywhere, dont really spend money beyond the essentials
>>61943841Everything you think you know about me is incorrect. Everything about your substandard life, I already have. Enjoy your little race to nowhere.
>>61943853Sometimes, you see people here so retarded, they’re like animals in their natural habitat and even when they’re about to get dismembered by predators, you remember to not get involved because it’s just nature.
>>61939913I started making tea in a teapot instead of using tea bags. Makes tea like 50% cheaper and it tastes better too
>>61943823>give my family a better life than the one I didWhat's the endgame? It all boils down to hedonism in the end, if you're not working for your own hedonism, you're trying to set up multigenerational hedonism so that your grandkids would be able to enjoy an easy life. What else is there other than working to make life easier for yourself or others
>>61943930Financial security is not hedonism.
>>61943962Financial security means being able to quit your job and do whatever you want with your life. Doing whatever you want with your life is the definition of hedonism. What else is there to strive for
Here’s how retarded all of you are:>>61943851Never mentioned a single investment>>61943853Then why do you need a dedicated board? Go to /r/indexing or something>>61943872Your ego is flaring up. How many times can you say “I” without cooming over your own self image.>>61943888What are you even talking about
>>61944004>I don’t have to dig holes all day, I can go study geological formations because my parents bothered to invest in VOO instead of guessing what sector would pop off nextLol>>61944006I don’t need to know your investments, I know you’re dumb.>attack someone over reasonable advice>provides retort>whoah bro watch your egoMeanwhile you want to drive lambos and wear gaudy watches to stroke your ego. You’re brown inside and out. You’re literally a chimp and going to get ripped apart by a tiger and I’ll laugh because you deserve it. You lack virtue in every capacity.
>>61944026>LolYeah haha it's funny that's I'm implying that children of rich parents don't work hard. We all know that's not true haha, they're all out there studying geological formations. They COULD do coke and fuck prostitutes but they choose not to because hedonism is not the way for hard working trust fund kids
>>61944026Step back and think about what you just wrote. What the absolute FUCK are you talking about?
>>61944030You lack any kind of faith in humanity and that’s kind of sad.>>61944033Okay, I’m dealing with a legitimate brownoid retard with a lack of reading comprehension. Haven’t had enough coffee for this.
>>61944044“Erm erm erm I haven’t had enough coffee for this.” What the fuck are you even typing like? You don’t belong here.
>>61944062I’ve unfortunately been here too long. I really cannot wait until your gains erode over time because you’re competing against funds that buy satellite photos of Walmart parking lots in your shitty, podunk state to help determine their Q3 returns. Nobody deserves to get it good and hard more than you.
Yeah lemme just go onto an imageboard about BUSINESS and FINANCE and preach VIRTUE, TEMPERANCE, and FAITH. Providing for my FAMILY by INDEXING. That advice takes 30 minutes to digest at age 15 when you search up “how to not be a retard with my finances after I get my first job”.??? Leave
>>61944089It’s funny because the people most resistant to hearing commonsense advice are the ones who need to hear it the most. You’re just some little gay kid trying to beat the market. Lol.
>>61944133Board is about business and finance and you’re fixated on the finance part. Why? You already said you are motivated to provide a better life for your family than you did. Did you grow up humiliatingly poor or something? Don’t bring that energy here.
>>61944152You’re the only one who brought their negative energy here, beginning with bringing people down about salary sizes. You’re just some diminutive, deficient human. You’re mad because I know exactly who you are.
>>61944161I brought up your salary to make you realize you could be making more you fucking utter moron. Other people ITT raise the same question of why overly focus on saving when you can spend energy on increasing income. Has nothing to do with where you park it. Some fucking retard mocked the idea of making more money:>>61941706So I stepped in. It’s not about you and your gay frame of the world.
>>61944196You could’ve just brought up the emphasis of bringing in more income rather than investing more and saved yourself some time. You brownoid.
>>61943930You are correct, sir. Most people won't understand the truth in your words, but I've been thinking about that my whole life and I agree. That being said, hedonism won't make you happy either, so it's best to take a sort of "long-term hedonism" approach. Heroin might feel good now, but it destroys you in the future. Better to have things that give you the most pleasure, joy, and happiness over the infinte time frame. One of these is definitely not having to get up at 7:00 everyday and go to some job that you wouldn't even consider doing if it weren't for the money. That causes all sorts of health problems and mental issues over the long term.
>>61944337>>61944444Get the fuck off this board
>>61941653>Why not increase your income instead of limiting yourself?HR roasties are subhumans who will never let you get a good job regardless of how many goycertifications you get. It's easier to control your spending than your income.
>>61943792You don't think one can learn to be frugal? Lol, of course they can. Often times it is necessitated by hardship or just something one picks up as life becomes more expensive in this Fiat debt currency-based society.>>61943803based>>61943828Frugality is a financial topic. Get out of this thread if you aren't interested. >>61943913good rec, i should get into that. And wanting a better life for your family isn't hedonism. >>61944444The point of life isn't to make money. I know, shocking to materialists and hylics but it's true.Anyways, get all this ego arguing crap out of this thread and post frugal life hacks.
>>61944616Reddit spacing
>>61939913just join the military and go full monk mode, housing and food is essentially free
>>61944667Get off this board newfag
>>61939913Anyone else notice peepee thread OP's are glowniggers pushing the most dystopian shit imaginable? Why wouldn't you want a car? Buying old meat that's about to be thrown away? Riding the bus with nigger browns or going to the library where everything good has been tossed and the only people there are homeless niggers watching porn? Buying boomers used goods as if that's an own? I'm frugal but OP and his entire family need a fucking bullet in their heads like all cianigger feds.
>>61939913I only eat milk
>>61939913I buy store brand food instead of name brands. That alone saves me half my food bills.
>>61939913Living in a condo.
>>61939913Most car maintenance can be done yourself with a lift jack & stands, a torque wrench and a set of sockets; throw in a c clamp and a spark gap tool and you can do brakes and spark plugs too.
>talking about savings alreadywe're fucked
Finding a frugal gf wasn't that hard and we've been together 10 years now. Look for ones who never wear any make up and have cheap used clothes.Then you can save even more by sharing the cost of the mandatory stuff like rent, internet, kitchenware etc. Also eating out was a big waste I had but splitting cooking duty helped.She'd laugh at me for having netflix and shit.
>>61944937Go back to your discord, tranny
>>61945443Where do the frugal gfs hide? Please tell me, bro, I'm begging.
>>61945879Kid, you were born in 2010 and you found out about this board from your boyfriend.
>>61939913You pretty much did everything you can, anon. I think the only thing missing is collecting rainwater for your garden.Also, about the IT scrap from work, you should resell it instead of sending it for recycling. Tradies take a lot of copper home because they got the tools to cut wire peefectly. In the case of IT, it is best to resell it and, before that, remove any sign that it used to belong to a company by resetting it from scratch or so.Also, don't you dare to steal tools from work, especially power tools. Nowadays companies pay a lot for insuring it, and so if you "lost it", use it over time, it breaks, and then you try to send it to a shop for someone to fix it, the fixer has a legal obligation to retain the tool if he finds out it belongs to the company, and you could go to jail for that.
>>61944697I'm too far along to do that but for young frugal guys, that's a viable path. And when you get out you get that sweet GI bill and free tuition. >>61945005You wouldn't get it.>>61945280I want to do more auto repairs. It's definitely a vector for improvement for me. >>61945443>>61945948Very hard to find a frugal woman. In my experience, it has to be trained into them and you have to show them why it's important. So don't get discouraged if the woman isn't frugal right away, will take some time. >>61949264Yeah, I should figure out how to collect rainwater. I found a barrel that had the top sawed off of it and I took it with hopes of using it but the problem is you have to use the water right away. Learned there are special kinds of barrels for rainwater collection, to prevent light and algae from growing. Good tips on selling work stuff, much appreciated.
>>61939913Live with my mom.Don't go out to things that cost money.Touch grass for free.
>>61940244>I can tell you don't live with a womanYou are coping because you married an NPC and you weren't man enough to mould her into a critical thinker. My wife and daughter don't pay for any subscriptions, they pirate everything.
