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/biz/ - Business & Finance


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11309492 No.11309492 [Reply] [Original]

Why are poor people so bad with money?

>> No.11309521

>>11309492
Because they dont have enough of it.

>> No.11309525

Well the fact that food and kids comes last tells me that was written by a nigger

>> No.11309547

>>11309492
Because they refuse to live below their means. They cannot stop procreating to save their life, must have a semi new car to roll around in, gotta take frequent trips to post pictures of so they can continue their social media pissing contest. Or if it's not the car or trips, then it's replaced by alcohol/drugs. Same difference.

>> No.11309557

>>11309525
Haha. I just had breastmilk come out of my nose!

>> No.11310950

>>11309492
>make 2800 a month
>spend 1000 on your car

nobody actually does this, do they?

>> No.11310961 [DELETED] 

>>11309492
>$272 car insurance
I'm a 21 year old white man with a single (one) parking ticket and my insurance is $140 a month what a dumb cunt

>> No.11310971

>>11310950
Niggers are the only retards who go into debt for a flashy car that they can't afford.

>> No.11310987

>>11310950
>cunt I know takes out 20k loan to buy second hand audi
>gearbox starts failing immediately
I have a hearty kek every time I think about this

>> No.11311007

>>11309492
Prices in this image are pretty reasonable, but they're monthly expenses. If you only make $1420 a month you're gonna be up the creek unless you have no kids and live with your parents.

>> No.11311025

$1420 a month?

>> No.11311033

>>11311007
This, in fact those prices are cheap as fuck. $440 for rent? What the hell? I pay $1,550 and this is literally the cheapest apartment in my area.

>> No.11311336

>>11309492

its accurate for single income household

>> No.11311352

>>11311336
$1500 is only average if you are a faggot low skill worker. amazon even pays $15 an hour. thats 2x that.

>> No.11311366

>>11311352

the numbers are irrelevant to the point

>> No.11311368

>>11309525
dont worry. if you do your part your wifes sonwont turn out like the rest

>> No.11311379

>>11311366
If you make so little cash a paycheck you shouldn't have kids. You also shouldn't have a car payment. And cut down on the internet.

This sounds like a nigger with 8 babymommas bills, not a normal human.

>> No.11311392

>>11310987
why the fuck are women so in love with audis? they're literally just overpriced volkswagens

>> No.11311423

>>11310950
I know this retard that took out a 6k loan on a used Mercedes C-class and put down 7k at signing. He went to this obviously shady dealership and now he's on the hook for like 15k because he didn't read the fine print. People are fucking dumb.

>> No.11311457

>>11309492
becuase they had kids while having $17k annual, and spend 15% of their take home pay on a car to pretend to be well off

>> No.11311486

>>11311007
>monthly expenses
This is the trick of this image
Assuming this person gets paid fortnightly like most poorfag wagecuck jobs, they have another $1000 a month roughly at least to save and spend a little on dumb leisure things


>>11311033
It seems you cannot read
It said $550 for rent, which is quite realistic (for say, a one-two bedroom apartment) in anywhere that's not Jew York or the like

>> No.11311523

>>11309525
Hahahahaha. I literally shit my pants reading this!

>> No.11311552

>>11311025
thats 2k a month after taxes

>> No.11311559

>>11311423
people are dumb but car sales people are fucking scum. dont let them off the hook either

>> No.11311584

>>11311392
narcissism

>> No.11311593

>>11309525
Also its from worldstar

>> No.11311595

Hey guys I'm a poor person that is bad with money. I've just got 20k from selling my trailer (yes I lived in a trailer park).
What should I do with the money?

Help me be not bad with money, I'd like to save up and buy a little piece of land.

>> No.11311666

>>11311595
First thing you need to do at least is join the 21 million club, maybe even buy more than that
Then put the rest in an index fund to beat inflation and get a nice little profit every year

>> No.11311745

>>11309557
>>11311523
cringe a bluepilled whiteknight incels

>> No.11312292

>>11311523
>>11309557
>He had to change IPs because he was so butthurt.
kek

>> No.11312308

>>11311745
>>11312292
Yikes, go back to /pol/ please.

>> No.11312316

>>11312308
Why are there so many fucking weird ass faggots who think everyone is changing their IPs and being paid to post stuff, and they're always from pol? Is it Russian trolls?

>> No.11312317

>>11312308
Nah. Like it here.

>> No.11312319

>$1500 pay
>-$50 insurance
>-$200 rent (utilities included)
>-$150 food
>-$100 gas
how am i doing?

>> No.11312332

>>11309492
Is this supposed to be every week, two weeks, or month?

>> No.11312412

It's actually more expensive to be poor since you can't pay for quality or letting people do what takes a lot of time so you can foucs on your skillsets

>> No.11312452

>>11312412
This, my dad grew up poor and he had a lot of habits that helped him do it, he doesn't waste money on anything, but let me tell you - he wastes TONS of time. He'll spend hours to save a few bucks. It's hard to de-program myself from that way of thinking and to just go to the grocery store, buy what I need, and leave, without standing in the aisles for a minute on each item searching for the cheapest price per ounce.

>> No.11313142

>>11311392
>they're literally just overpriced Skodas

ftfy

>> No.11313165
File: 1.97 MB, 260x320, nu-uh.gif [View same] [iqdb] [saucenao] [google]
11313165

>>11309492
The insurance and utilities costs are way too high for this person. They also shouldn't have a car loan.

>> No.11313166

>>11312319
200$ rent to your mom doesn't count

>> No.11313182

>>11310987
hahahahaahahahahhaahahahahaha

>> No.11313192

poverty is an outcome of low iq which is largely a result of inherited frontal cortex size.

they physically do not have the hardware to delay gratification which is the key to wealth building

>> No.11313196
File: 272 KB, 953x1200, 1522134243486.jpg [View same] [iqdb] [saucenao] [google]
11313196

>>11309492
>$272 insurance
>$180 utilities and internet
>$214 carnote
what the hell do poorfags who earn $1420 a month think when signing up for these massive debt creators jesus christ
buy a used car for cheap and you will save plenty on insurance and monthly car costs
and if you have to pay more than $30 a month for unlimited 100/100 internet you live in a third world country and will be better off without internet

>> No.11313292

How the fuck is this possible?
>earn 1.8k after taxes
>rent: $800
>food: $120
>insurance: $170
>internet: $20
>phone: $12
>electricity: $120
>commuting fare: $230
>gym: $40
>gas: $120

>money left: roughly $200

Is it really that hard??

>> No.11313329

>>11313292
actually the electricyt bill I've stated here is from the month that I paid the most for, which was in Winter when I had to use heaters
On summer, it could be as low as $40, and on average it's $60

>> No.11313366

>>11309492
Ebin facebook maymay XD

>> No.11313370

>>11313196
but then everybody will see that you are poor, can't have that now can we

>> No.11313444

>>11309492
>View 11009 comments
that's kinda depressing yo

>> No.11313490 [DELETED] 

>>11311379
>This sounds like a nigger with 8 babymommas bills, not a normal human.

kek'd

>> No.11313496

>>11309492

Where the fuck are rents only $550??

>> No.11313524

>>11309525
direct deposit $800, work at a gas station :)
-200 cigarettes :)...
-200 beer :/
-300 weed >_>
-250 sizzurp & fix my rims v_v shit mayne
-50 utility bill
rob liqah sto +400
-400 on new jewelry

>> No.11313685

>>11309492
>carnote
Why do people get cars they can't afford?
If they got some used one and saved a bit on groceries they would end up with a 0 rather than with a negative.

Jeez

>> No.11313733

>>11309492
If they were good with money, they wouldn't be poor.

>> No.11313770

>>11313292
>phone $12

?

>> No.11313771
File: 1.76 MB, 400x206, 57657.gif [View same] [iqdb] [saucenao] [google]
11313771

>>11310987
lmao that's funny as fuck, honestly anything more than 2 grand for something used is overpriced imho, forget taking out loans

>> No.11313788

>>11309492
>making 1420
>having kids
Why are people so irresponsible?

>> No.11313822
File: 418 KB, 673x632, walkingonlimbs icecream.png [View same] [iqdb] [saucenao] [google]
11313822

>>11309547
This.
And they also cannot structure their money. If you do not know, how much you have left for a specific area, you do not know how much you can spend at maximum.
These people just thing an ATM is something which throws out money and at the end they look at it, instead calculating before. And then surprise surprise there is no money left. I am soooo poor. Cryyyy. Fucking idiots.

>> No.11313824

>>11313292
Why is gas and commuting fare two different expenses?

>> No.11313835

>>11313496
In my home state of PA it's from 500 to 700 for an apartment. Im in CA though paying 700 for a room

>> No.11313847

>>11313822
she gonna be fat before btc hits 9k lol

>> No.11313859

It's fun to go to to the personalfinance subreddit (leddit xd) and read about all the horrible financial situations people are in. The standard:

>how can i possibly pay off 20k in high interest credit car debt??
>paying off brand new car loan
>paying for the top cable package
>paying for unlimited data
>going out to eat every day at lunch
>WHAT DO I DO???

>> No.11313868

>>11313770
phonebill

>> No.11313879

>>11313824
as I only use care in cases where I need to get to places that has shit public transport. Otherwise I use train

>> No.11313888

>in jew york
>everything is 2k rent
Help

>> No.11313914

>>11313888
Move.
Problem solved.

>> No.11313937

>>11313914
My job is here

>> No.11313954

>>11313937
Compare what is your effective hourly pay rate (salary minus expenses divided by work time including commute) in Jew York and other places.

>> No.11313975

>>11309492
Who the fuck starts a family when they only make 1400 a fucking month him shit

>> No.11313994

How do you explain to boomers that bitcoin is more scarce than gold with a lower issuance rate and is all around harder and more sound money?

>> No.11313998

>>11309525
"Car note" should also be an indication

>> No.11314054

>>11313954
Finding employment elsewhere isnt an option

>> No.11314082
File: 262 KB, 1080x1920, Screenshot_2018-10-07-00-56-29.png [View same] [iqdb] [saucenao] [google]
11314082

>>11313859
Thought id check out the ausfag version of this

>someone mentioned that they saved 8k for a holiday
>some other dude gets heavily downvoted by saying "no, you spent 8k :^)"
>travel is empathy building, intercultural awareness

This has to be b8

>> No.11314093
File: 2.12 MB, 320x240, really_makes_you_think.gif [View same] [iqdb] [saucenao] [google]
11314093

>>11313975
>need to make 100k yearly income to start a family
>would have to work all day every day so can't even see his wife or kids
>currently only making 70k a year in his 40s, so only has a cat
And they wonder why the birth rate is shit

>> No.11314111
File: 42 KB, 399x322, 1483485925736.png [View same] [iqdb] [saucenao] [google]
11314111

>>11314093
it's almost like it was on purpose

>> No.11314114

>>11313937
What industry?

>> No.11314168
File: 24 KB, 960x720, maxresdefault.jpg [View same] [iqdb] [saucenao] [google]
11314168

>>11309525
>Nig with a job

That's some fantasy land shit right here.

>> No.11314175

>>11310950
>worldstar
niggers do exactly that
go to the ghetto, see rundown houses with brand new cars in the driveways

>> No.11314184
File: 145 KB, 700x700, 1537061222930.png [View same] [iqdb] [saucenao] [google]
11314184

>>11313771
you're gonna make it

>> No.11314188

>>11313937
If you move out of state it's likely you'll find the same job with a higher pay to cost of living ratio.

>> No.11314214
File: 64 KB, 1280x720, 57935.jpg [View same] [iqdb] [saucenao] [google]
11314214

>>11314184
unfortunately no, not with my income (€250 disposable a month), please kill me

>> No.11314220

>>11314188
See
>>11314054

>> No.11314241

>>11309525
>payday be like..:
What tipped me off was the first "sentence"

>> No.11314264
File: 37 KB, 809x694, budget.png [View same] [iqdb] [saucenao] [google]
11314264

Here is my budget. I usually end up spending about $3500 per month. My net pay is $1533 every week.

>> No.11314271

>>11310950
I know someone who bought a second hand mercedes for 10k € on lease. His pay is 850€/month. He lives with his mom and is 37 and constantly broke asking people for lunch.

I tell him everyday to sell that piece of junk. Yes this is real.

>> No.11314308

>>11309492

Yeah then you get another paycheck, right? Or is that monthly? If so, oof.

>> No.11314380

>>11311595
live as frugally as possible and save as much as possible.

>> No.11314450

>>11314220
What industry keeps you in NYC?

>> No.11314468

>>11309492
The car note is dumb but everything else is just basic expenses everyone has.

>> No.11314558

>>11314468
>expenses everyone has
wrongo wagie, I live with my parents and don't pay rent or utilities or have kids with roasties, so I keep my thousands each month

>> No.11314647

>>11313822
but when men post a field of pink wojaks all over 4chan it's totally fine and they know how to structure their money

>> No.11314833

>>11309492
>1420
>Rent : -550
>850
Why can't wagies into math?

>> No.11315110

>>11313888
Nice digits
Califag here, I had to rent a room because poorfag in high cost of living area. Is that possible for you to do? With utilities if possible.

>> No.11315153

>>11309492
>carnote -$214
>balance -$221
so basically if he didnt take out a loan for a car, he'd be 7 bucks short of breaking even.

>> No.11315208

>1420-550=850
Nigger confirmed

>> No.11315377

>>11309492
All people like to show off when they're good at something. The rich show what great businesses they start and how much money they can achieve. Poor people are generally stupid, as in genuine low IQ. Because they have low IQ they can't really accomplish anything great, so they will never have anything to show off other than material possessions. Therefore they become consumed in the consumerist lifestyle and to them, buying an expensive car is 'making it' because they can show off to all the other poor people how much better they are.

Poor people are poor because they're dumb.

>> No.11315392

>>11310971
Lol. Irl they buy pieces of shit from loanshark (JD Byrider etc) lots to drive 50-100 miles round trip for a McJob. I visited one of those lots once out of curiosity. They were all Mexicans working there and seemed pissed I wasn’t black. I acted like a redneck, (also their clientele) they tried to sell me old ass Civics and Crown Vics that should have been 3k tops for 8k, and also the payment plan that you’re forced into (cannot pay early) makes the car like 16k by the time you’re done.

Elliot Rodger’s dad was like a million in debt and leasing his son, ex wife, and self new BMWs. “Rich” people and poor people are shit with money.

>> No.11315424

>>11313196
Because they have to get to their McJob tomorrow and don’t have thousands saved duh.

>> No.11315450

> $2,200 Monthly
> $60 insurance
> $200 car payment
> $400 Rent
> $150 food
> $80 gas
> $50 phone

>> No.11315464

>>11314082
>unironically posting leddit screenshots
you need to go back

>> No.11315482

>>11314833
> 850
> Insurance - 272
> 598

nigga get that dough back senpai

>> No.11315582

>>11313292
>No investments
>800 on rent

Have fun living paycheck to paycheck like every other NPC

>> No.11315585

>>11313292
>also earn $1800 after taxes
>$340 to rent, electricity, water, internet combined
>$700 to food
>$20 to new clothes
>$500 to video games and lootboxes
>$30 bus tickets
>$15 phone

>have a ~$200 surplus

Looks like we reach the same outcome through different routes eh.

>> No.11315673

I make 1000 bucks a month and have 600 surplus every time.
You guys just spend too much.

>> No.11315678

>>11315585
>$700 food every month
what the fuck are you eating?

>> No.11315690

4200/month
-800 rent
-250 insurance
-400 food
-200 social activites
-100 ski time
-200 small trips & transports
-400 internationals trips

Still have almost 2k at the end of the month

>> No.11315694

What exactly about OP is being bad with money? Every single one of those things is a necessity, save for having kids. There’s nothing on this list that says “fun” or “dates” etc

>> No.11315709

Is it bad I'm ok with debt? I always pay the debt off but I like to buy things ahead of how much I have. Is this a bad habit?

>> No.11315714

>>11315694
>having a $60k car is necessary

>> No.11315732

>>11309492
Protip: Don't fucking have kids.

>> No.11315752

>>11313771
>lmao that's funny as fuck, honestly anything more than 2 grand for something used is overpriced imho,
yeah maybe if you're buying something over 20 years old

>> No.11315755

>classmate wants to spend $1500 from student loan money to buy a PC to play fortnite on
I suggested that he should just sell his current laptop (some $1000+ ultrabook with pathetic cooling) for a used light gaming laptop. But I guess some people can't make the connection between money and time.

>> No.11315769

>>11315714
>~$200 a month = a $60k loan
I pay $180 a month for my car and it was 9k, because it’s only a 48mo loan period with a 3% interest rate.
>inb4 hurr hurr don’t take out a car loan at all
Not everyone wants to drive around in an $800 beater that might collapse into a pile of parts at any minute. People need reliable transportation.

>> No.11315773

>>11315755
>REEEEE stop spending your money on things I don't like!
okay mom

>> No.11315774

>>11311336
Fuck that I am running a single income aryan household making 110k a year, it can be done. No debts besides mortgage.

>> No.11315782

>>11315769
I bought a civic for $3k and do most maintenance myself. in the 2 years I had my car the only major things were a new radiator and clutch/flywheel. I got a new suspension but I didn't _need_ it I just wanted it

>> No.11315785
File: 45 KB, 465x576, 0175_-_MxBaFDO.jpg [View same] [iqdb] [saucenao] [google]
11315785

>>11311352
>>11311366
>>11311379
Sounds like some one is retarded with math

15*8*5= 600 a week.

There are 3.5 weeks in a month, so that's $2100. However you pay around 30% in taxes, so that's 1470 you dumb cunt.

>> No.11315800

>>11315782
My point was that just because the OP picture has a car loan doesn’t mean s/he bought a car that’s beyond her means, ~$200 a month is a very average car payment. And yes, reliable transportation IS a necessity in today’s day and age.

>> No.11315814

>£2550 in
>£420 mortgage
>£400 bills
>£1100 savings / investments
>£500 rinse
>£130 surplus

How do people end up negative?

>> No.11315821

>>11315785
>3.5 weeks in a month
Hahahahahahaha

>> No.11315830

>>11315785
>Sounds like some one is retarded with math
>there are 3.5 weeks in a month
>Sounds like some one is retarded with math
I agree

>> No.11316166
File: 198 KB, 1000x600, Library.jpg [View same] [iqdb] [saucenao] [google]
11316166

>>11315785
>3.5 weeks in a month
Ok retard.

>>11309492
That's basically a Mcdonald server salary.
The better question is why are poor people making kids they can't afford? And the answer is : because they are dumb.

That said you probably has not much by the end of the month with such income but with internet knowledge is basically free.

>> No.11316196

>>11312308
T. Coon

>> No.11316198

>>11311392
Audi is the upper-middle class of europeans, they think it's "chic" to have one.

>> No.11316205
File: 329 KB, 1300x866, 34620175-an-old-shack-on-a-winter-landscape-.jpg [View same] [iqdb] [saucenao] [google]
11316205

>>11312319
>$200 rent

>> No.11316251

>>11315678
this

>> No.11316272
File: 51 KB, 413x243, Soyboy5.gif [View same] [iqdb] [saucenao] [google]
11316272

>>11312308
>yikes

>> No.11316295

>>11313771
T. Riced out civic driver

>> No.11316312

>>11313524
I'm the manager of a gas station and I take home about 2,200 a month. It isn't as easy as you think, so many regulations to follow. Maintenance on gas pumps is also tough.

>> No.11316341

>>11314175
it's fascinating how you can break down all ethnic behaviors by the societies they grew in for the last 2k years
nigs invest in their cars because they have that instinctive african mentality of moving where the resources are. even with perverted welfare incentives giving them no reason to stay put, their primal brain will still guide them towards investing in short-term mobility
whitoids are used to civilizations where your house is your claim to stability, family, prosperity. they keep that instinct to buy a place, to an extent that sometimes degenerates into mcmansions
kikes crave hiding in the crowds, so they pursue big city life and prefer apartments and high liquidity (escape fast after conning someone)
group approach to wealth preservation is literally genetic. even in a world when it doesn't make sense anymore, these habits remain

>> No.11316389

>>11315769
Look at this dumb fuck and laugh.

>> No.11316391

>>11309492
Man, if only there was a way to earn capital and make extra money on the side

>> No.11317003
File: 144 KB, 618x597, 1480757818205.jpg [View same] [iqdb] [saucenao] [google]
11317003

>>11315464
Why do you do it?

>> No.11317165

>>11309492
Because an 8ball costs $150 OP

>> No.11317229

>>11311595
Buy a foreclosed home on auction I guess

>> No.11317252

Get ready for the world to end buy lots of long shelf life food

>> No.11317302

>>11311595
Buy the bottom of Cardano at .08 cents

>> No.11317309
File: 155 KB, 1080x2160, Screenshot_2018-10-07-01-00-54-268_com.blockfolio.blockfolio.png [View same] [iqdb] [saucenao] [google]
11317309

Tell me about it. I can't even save up for stinkies...

>> No.11317328

>>11312319
$150 a month? You spend $5 a day nigga? Wtf do you eat?

>> No.11317342
File: 124 KB, 1024x1024, 1537827900596m.jpg [View same] [iqdb] [saucenao] [google]
11317342

>>11309492
Why are ugly people so bad at looking good? I mean just don't be ugly lol

>> No.11317363

>>11313292
$120 on food? Wtf do you eat? Sand?

>> No.11317369

Take home £5750/month. Rent £800. Bills £150. Groceries & Eating Out £400. Commute £120. Phone £26. Misc £80-100 (Gym, Spotify, Netflix, Amazon Prime, Pornhub Premium). Left over: About £4100. I put all the remaining into investments and wallstreetbets tendies.

>> No.11317379

>>11317363
rice

>> No.11317394
File: 780 KB, 2016x1512, foto_no_exif (7).jpg [View same] [iqdb] [saucenao] [google]
11317394

>>11317328
chicken breast, peppers, onions, tortillas, salsa, shredded cheese, ciabatta, sauces, lettuce, spices. You can make like 6 different delicious things for very little money.

>> No.11317397

>>11317342
That's not the point dipshit. Nigs are bad with money, people in general are bad with money. I amaze my friends with my ability to have three accounts all with positive balances. Right now my bank accounts combined have a total of 8600 dollars
>5k locked in a GIC
>2500 in my TFSA
>5 bucks in my savings I just cash gov cheques in this account to transfer to the TFSA
>the rest sits in my checking account
Then I have roughly 200 in change and bills in my wallet.

>> No.11317415

>>11317397
>wasting money on a GIC

Nigger max out your TFSA

>> No.11317438

>>11317415
Yea I fucked myself on that one. Now I'm just waiting the last two years on that GIC I figure by the time it clears I'll have roughly 6k in there. Right now I'm working on maxing my contributions. Hoping that my job gives me a damn raise this April.

>> No.11317444

>>11314184
nah a comfortable reliable car is at least 5k.
also you should be able to return more than 5%/ year through other means. so paying cash for a vehicle is middle tier

forever poor person->finances the whole thing because theyre broke
"investor" wagie -> pays cash as a way to brag and feel good about no loans
rich person-> finances the whole thing because getting 100% return on cash yoy due to owning a business

>> No.11317454

>>11317394
recipe list?

>> No.11317455

>>11317438
Don't fuck up your TFSA like I did by trading, went from like 65k down to 50k and my contribution was maxed so it's basically gone forever, just use it for buy and hold. For trading use a normal cash account, that way you can write losses off using taxes, unless you can actually trade profitably unlike me

>> No.11317465

>2100 Euro net
>500 rent+utilities
>70 insurances
>30 gym
>200 food
>200 travel (budgeted, saving for eventual expensive trip)
>1100 Euro left
>still 400 shot of my goal of saving 1500 Euro a month

>> No.11317473

>>11309492

I think you mean "Why are people who are bad with money poor?"

>> No.11317479

>>11317455
Trading is to advanced for me. If I wanna trade I'll take your advice and use my checking account. I'm leaning on buying stocks and making a portfolio but I'm waiting for the US elections to happen first.

>> No.11317488

>>11309492
1420, a month? Really? There's people in this country raising kids on 1420 a month? What a fucking idiot.

>> No.11317513

>>11317488
Median wage in america is not much higher than 1420/month once you factor taxes. Most people barely getting by in this "booming" economy.

>> No.11317535
File: 195 KB, 798x770, 1518002464842.jpg [View same] [iqdb] [saucenao] [google]
11317535

>roughly $2000 pay
>$400 rent because live with parents
>$0 utilities
>$0 food
>$0 loans because I don't indebt myself to jews
>maybe $50 gas
>leaves me with roughly $1500 to spend on whatever the fuck I want

stupid fucking poorfags just live with your parents and put all your extra income in investments

>> No.11317587
File: 967 KB, 2016x1512, foto_no_exif (6).jpg [View same] [iqdb] [saucenao] [google]
11317587

>>11317454
what you can make:
quesadilla
burger
chicken sandwich
turkey sandwich
steak tips
salad
fajitas

ingredients:
chicken breast
ground turkey
steak tips
ground beef

bell peppers
jalapeno
habanero
romaine lettuce

shredded jack cheese

tortillas
potato buns
ciabatta

hot sauces
italian dressing
EVOO
mayo
dried habanero spice
cajun blend spice (or cayenne and chili powder)
garlic powder
black pepper
crushed red pepper

this is my actual shopping list, sometimes I try different shit but these are my staples

as far as making stuff, I fry or saute everything in a pan, ideally cast iron, with olive oil and spices. different spices for different creations.

chicken for example:
marinate chicken breast in spices (usually chili powder, cayenne, black pepper because I like flavor, maybe some salt but don't go overboard, its really not needed)

dice chicken breast
toss in spices, rub evenly
heat oil on pan, put on medium heat
drop in diced breast, sear and cover, flip after a minute or so, drop heat, cover. super juicy chicken. repeat process with diced veggies, go with lower heat.

for a quesadilla, dice and spice and fry veggies, take one tortilla, put cheese on it, drop on hot veggies, put on pan, fold.

burgers are the same process essentially, toast your buns, take off heat once juices start coming through the top of the patty. You can make turkey burgers with ground turkey and forming them into pattys and then doing the same.


this shit really isn't hard, and you can buy all that stuff for less than 150$ and it will last you a long time, depending how much you eat a day.

>> No.11317603

>>11317587
how much does chicken and beef cost where you live?

>> No.11317674

>>11315585
nice triggerposting

>> No.11317687
File: 50 KB, 736x552, 1538423079390.jpg [View same] [iqdb] [saucenao] [google]
11317687

>>11309492
Because they don't use their brain.They aren't innovative or creative. They can't think of any good ways to make money and are content being a slave for $13hr as long as they can go get drunk on the weekend.

>> No.11317715

>>11317603
I go to school in the west and live on the east coast so it varies slightly, but you can get good organic free range boneless skinless breasts for about 5.50 a pound, $13 will buy you 3 breasts, a whole breast is a lot of food, I usually eat half of one and vegetables and maybe a quesadilla, and then something else later on. I dont really eat breakfast but I do like toasted everything bagels. a lot of that stuff on that list will last you longer than a month, like the spices and sauces

>> No.11317782

£1,400 after tax per month.

£700 - rent plus utility bills (gas, electric, council tax, etc) I share a place with my girlfriend and it's one of the more affordable places where we are.

£300 - car/insurance. I got tied into this a few years back when I needed a car to get to work. Changed jobs now and rarely use it and can't give back until the lease ends.

£240 - train fare. No way am I driving to London as parking/fuel/congestion charge would be ridiculous. Moving closer in order to reduce travel means my rent goes upward exponentially. Where I am now is the only reasonable balance.

£95 to pay back a loan I took out in order to get a deposit for where we live. That's almost paid in full now so we're sitting on that money and when we move we'll get it back.

None of this accounts for food, entertainment, phone bill or any other expenses that crop up.

I've made cuts where I can - no Netflix or TV, changed to a much cheaper phone plan. But in pretty much tied into everything else. If I was on my own I could rent a cheap room or even live in my car or whatever. But I can't change any of the circumstances to save money without dragging my girlfriend down with me.

Only options I can see is a payrise (too new to the company to reasonably be able to justify it), find a second job for the weekend (looking but no joy so far) or just break up with my girlfriend and tramp it out for a bit until circumstances change (obviously not, kind of defeats the point).

Apart from running some kind of racket on the side or finding a viable way to get some passive income - I can't really see a way out of this.

wwyd /biz/? Realistically, outside of career income, you need money to make money, and this situation is hard to climb out from. I know shit will get better eventually and I can start moving forwards down the line, but for now I feel kind of stuck.

>> No.11317797

>>11317782
damn, you waste a lot on transportation mate

>> No.11317832

>>11317797

Tell me about it.

I can't get too annoyed about the car because at the time I needed it. But now I don't and I'm stuck with it.

I've actually saved about £300 a month on trains since I moved and the rent is about the same.

Still grim though

>> No.11318023

>>11317394
teach how to do that

>> No.11318110
File: 1.97 MB, 980x1306, Screen Shot 2018-10-06 at 7.16.53 PM.png [View same] [iqdb] [saucenao] [google]
11318110

>>11318023
see >>11317587

>> No.11318127

>niggspeak
>WUUUURLSTAAA
>Android emojis peppered on a highly compressed (due to being sent 96295 times on WhatsApp) image

I am thouroughly disgusted.

>> No.11318150

>>11318110
dude, how varied is your menu though? do you eat the same thing every week? do you eat it once a month? I am sure that is tasty there, but I don't know if I could eat that more than once a month without my butthole and colon putting a gun to my head.

>> No.11318187

>>11315785
>there are 3.5 weeks in a month

I guess and hope you meant working days. No one could be THAT American.

>> No.11318249

>>11311392
>>11316198
nah, its just the cheapest one out of the big three (bmw, mercedes, audi)

>> No.11318327

>>11317832
Sell the car. Get out from under that shit.

>> No.11318423
File: 2.02 MB, 974x1306, Screen Shot 2018-10-06 at 7.17.26 PM.png [View same] [iqdb] [saucenao] [google]
11318423

>>11318150
this is a good point, I supplement stuff with takeout sometimes, but a typical week

chicken, quesadilla
salad, steak tips
turkey burger, fajita
steak sandwich, salad
quesadilla, takeout
different fajita, takeout
chicken sandwich, salad

ill always pair some sort of vegetable with the straight meat. I love spice, and I dont always drown shit in spices, sometimes just black pepper.

>> No.11318463

>>11318150
also, I kind of just make whatever im in the mood for. salad is fastest, and I do eat probably more takeout than I said, but this is just a proof of concept, Im a university student with wealthy parents who give me $1000 every 5 weeks or so, what I don't spend I throw into ETFs and a small amount on options. Cocaine and alcohol as well

>> No.11318475

>>11318150
sometimes I get fancy and follow one of these https://www.youtube.com/user/sd4547

>> No.11318482

>>11318423
I see half of the week eating salad. Are they on different continents, the vegetables? I find it strange how cheap many vegetables are compared to the freight costs are concerned for my buying and eating them?

>> No.11318545

>>11310950
you'd be fucking surprised

>> No.11318576

>>11318482
No idea honestly. I try to eat at least 2 salads a week to counterbalance all the meat I eat. Im currently on a liquid diet because my jaw is wired shut, all ive had for the last 5 weeks is smoothies, Boost and Ensure, and milkshakes

>> No.11318587

>>11317369
>paying for porn
>renting property

how is your dumbass earning £5750?

>> No.11318612

>>11312452
>It's hard to de-program myself from that way of thinking and to just go to the grocery store, buy what I need, and leave, without standing in the aisles for a minute on each item searching for the cheapest price per ounce.
You spend your time on a imageboard, why not spend some minutes more searching for the cheapest product?

>> No.11318614

>>11317782
London is only a great place to live when you have money

I feel for you

>> No.11318628

>>11318587
He's lying. Pornlosers don't make more than 2k monthly

>> No.11318657

>>11317782
Join military

>> No.11318684
File: 55 KB, 617x347, 1519163127181.png [View same] [iqdb] [saucenao] [google]
11318684

>>11318576
Protein I've known of people wanting to eat more. I know I drink too much beerm, man, we just got 6-point approved. I've had people give me LSD laced items and these people did not know that they were handing me LSD laced items. I have seen things and I sM posting on the internet. I am saM.

>> No.11318733
File: 661 KB, 1272x948, Screen Shot 2018-10-06 at 7.17.06 PM.png [View same] [iqdb] [saucenao] [google]
11318733

>>11318684
english plz

>> No.11318863
File: 1.50 MB, 3264x2448, towel-cat-1519136335369.jpg [View same] [iqdb] [saucenao] [google]
11318863

>>11318733
I understand how protein-only, or, carbohydrate-only, or, fat-only diets are beneficial. I ujust wanted to understand how your menu tastes over the week, or the month. I've been in trouble because of the Internet before. People can do some fun stuff on the Internet. What I like to do is post some text files. I do not ever mess with images and I have not posted any of my own software. If any images I post that are new, then I can not guarantee I have the original copy in the original file. I would ask the copyright holder to contact myself. I would ask the copytight holder to reply to this thread first. That would be appreciated by myself.