/biz/ - Business & Finance

If you live in UK, do your weekly grocery shop in Aldi or Lidl, as opposed to Sainsbury, Tesco etc.
It's about 30-40% cheaper, and you can put that money into Link or something

>>20080920
OP is gay. Spend your money on whatever you want. Discuss

Look into your Gas/Elec and get the cheapest provider

No 1 is women you dumbass

>>20081001
That reminds me that I need to renew or change my gas provider soon. Thanks.
>>20081009
This board is full of incels. So I didn't bother to include anything about personal relationships.

>only entertainment is video games I've been playing for like 10 years or pirated anime, both free
>cook every meal
>bought high quality clothes when I graduated college, haven't bought anything new in years, all still in great condition
>make own beer, buy mid-tier liquor and drink at home
>paid off reliable fuel-efficient car
>mortgage, not renting
>long-term gf is very inexpensive, to spend time together we either do puzzles, hike, or just make a large meal together
>all extra income either gets put into 401k, crypto, mortgage, or guns
>24

am I going to make it?

>>20080920
> 1. Eating out constantly.
this tip sucks man, completely lacking. here's a better tip, eat only food that actually nourishes you. Vegetables are useless. Meat is good, Fruit is good, if it grows in your region and you buy in season. if you are a white european, You eat fruit in summer only. Buy from local farmers instead of Lidl; if you buy in shops like OP recommends you will get low quality shit. I basically eat one high quality steak + butter + some milk + (goose/duck/chicken) eggs every day. I spend less than 10 dollar a day on food. Vegetables and vegan tier products are expensive and dont satiate you. I also only eat one or two meals a day. eating 3 meals a day + snacks is for slaves.

> 2. Phone upgrades.
my phone costs 180 euros and lasts me 5 years.

> 3. clothing
yes ok

> lottery
lottery tickes are nothing more than an extra tax for retarderinos.

> 5 extended warranties.
I wouldn't even get insurance for anything if I didn't have to by law

> 6 cable TV.
I don't watch anymore., only with the gf. and then im just pretending to watch but im just having a confy sit with my gf and focus on her

> 7. impulse purchases

I impulse buy crypto. I am happy I do cause I make good gains.

embrace and adhere to the noho lifestyle

>>20081108
If not a LARP, yes. Ditch alcohol entirely and I hope you lift anon. Throw a small amount into precious metals too as an additional hedge/investment.

>>20080920
Who cares about how much you spend. Just focus on increasing your income. You can only save so much, but the amount you can earn can increase pretty much without limitn

>>20080920
Thanks op, I'm saving 150$ a month, in 10 years I will save up around 15 grand and can afford a good rope to end my boring life!!

>>20081108
You're well on the way to making it. Especially if you get paid $100k+ in a low COL area.
You should ditch the alcohol and pick up an active hobby like weightlifting or running for your future health.

>>20081109
>hey guys this thread is about me!

>>20080920
Stopping by to remind everyone that increasing your income has a disproportionately large impact on your savings rate, and decreasing your expenditures below about 30-40% of pay after taxes has increasingly diminishing effects on your savings rate.

Additionally, the higher your income, the more largest costs in your expenditures can be converted from a purely consumeristic expenditure to a networth building investment (rent vs mortage)

>>20081145
>>20081174
I do lift, or at least did lift before the fucking meme flu shut down all gyms, and I made great gains since I started a few years ago. I don't want to give up the alcohol bros. I live a very clean lifestyle, but my two vices are food and drink. I just love digging in to a well-made meal, and pairing it with either a homebrew beer or a manhattan or something like that.

You should always buy a lottery ticket every now and then. If you don't play you have a 0% chance of winning. If you play at all you have an infinity% increase in chances at winning

>>20081287
Retard logic. You're not gonna make it.

>>20081287
flawless logic, can't win if you don't play

all of these are debatable except lottery tickets, and I guess impulse purchases since they are, by definition a waste. but really if you buy lottery tickets just send me money and i promise to send you back double the amount. you have a better chance of this happening than winning

>>20081287
Holy crap what a logical mastermind

>>20081358
>>20081409
You guys laugh but he has a point. I remember reading some math on a gambling forum that deduced that the lottery is actually minimally +EV, so it is "technically" a good bet even though it could take thousands of years for variance to equal out, or to see your expected return. I think buying a lottery ticket every month is smart, $2 to potentially change your life is such a low risk. I think buying more than that is retarded though, your chance dont improve enough to make it worth putting in non-meaningless amounts of money. I mean, if you cant afford food or rent, you shouldnt be buying lottery tickets, but $2 or $3 a month shouldn't be breaking you either.

I agree with pretty much everything else on op's list even though I'm a hypocrite and still buy dumb shit fairly often

>>20081249
None of us are perfect. Keep it controlled and you’ll be fine. Best of luck, anon. You can make it.

>>20080920
>Eating out constantly
While eating out isn’t a good idea, the overall concept of “not spending money on food” is absolutely horrendous advice.

Good food - actually nutritious food - is so beneficial that purchasing it should be the number one item on your list. It is LITERALLY the difference between being fit, energetic and intelligent and being fat, lazy and retarded. I guarantee you 99% of things available in supermarkets are chemically manipulated garbage created by Jews to hurt you.

Most people don’t even know what being healthy feels like.

>>20081532
It's clear that playing the lottery at least some times is the only sensible choice. What is hard is figuring out how often is often enough. The mastermind logic presented isn't sophisticated enough to determine anything beyond the fact that you should play at least once

>>20081573
But on the flip side I see a lot of obese retards saying shit like "its cheaper to eat like shit" or "I ant afford to eat healthy", which is total bullshit. Sure a bag of rice is like $12, which is about the cost of a meal at mcdonalds, but that rice will probably last you for months. You could literally eat just chicken, tuna/salmon, rice and random vegetables with a multivitamin and get yourself 90% of the way to a healthy diet that will be cheaper than eating out every day.

I would add to cut Netflix and any other streaming service. You can use torrents for everything you need.

>>20081000
/thread

>>20081662
You're assuming any of these fat people actually know how to cook anything more complex than a poptart

>>20081692
There's nothing wrong with having streaming services as long as you use them regularly. But I know too many people that have been paying for Hulu, HBO Go, Pandora, etc. for years even though they never use it.

>>20081707
I dont understand how people can just "not know" anything in today's world. All the world's collective information is indexed and you can find a how-to video for literally anything on youtube

>>20081108
You already made it.

Oh, come on. Buying one lottery ticket when you go grocery shopping isn't going to bury you. It's a $2 cheesy little bit of fun. Nothing wrong with a little hope here and there.

>>20081249
I can relate to your vice of drinking, sounds like it's worse for me though, I usually end up having 7-10 drinks on a friday night and stay up until 5 or 6am doing stupid shit on my computer, really bad habit that I've cut down a good bit over the years, but when it happens my work schedule and fitness routine is ruined for a few days at least, it's a cycle of stress buildup and release

>>20081921
They're probably just too lazy to go through the whole process, I'm sure they have a good idea of how to cook food if they're like most fat people and watch cooking shows.

>>20081995
stay poor dumdum

>>20082017
Yikes. Thought you had to be 18+ to post. Is $2 too expensive? Is the $0.25 gumball mummy gets you a wiser investment? lmao

Please let that guys face tattoos be real. Fucking hero

>>20081995
Yeah I haven’t bought lottery tickets in a bit but I used to buy a quick pick once a week, it cost a dollar. You then get the little day dream of what if you win haha the feeling is worth the dollar to me.

>>20080920
>Eating out constantly
implying

>>20080920
>Impulse purchases
>mfw my impulse purchases come in 10 one ounce rounds

>>20080970
sainsburys has way better chicks tho.
the ones in Aldi are all munters grubbing through last weeks £4.99 tracksuit and odd gardening implements made of chinese cheese specials bin

>>20082322
Based

>>20081767
>giving money to people who want you death
read books, lfit and bu guns anything else is a waste of time.

To my fellow degenerate gamblers, I suggest picking up craps to spend(waste) money on. Best odds in the casino and generally a fun time

>>20082322
GMI

>>20080920
8. Steam sales

>>20081000
/thread

>>20081108
Doing great for a 24yo take it easy on the booze tho

>>20082938
I'm gonna keep my spotify subscription thanks. The only people I see watching/paying to watch shit are drooling retards though I agree.

>>20080920
>I don't
>I have a $60 phone
>I only have 3 shirts and 1 pair of pants
>I don't
>I never buy warranties
>I don't have a TV
>I never did that

>>20081109
Found the vegan i mean carnivore. Hard to tell the difference sometimes

>Taking life advice from the sad autists on here.
Ouch. Search for a deeper meaning and life experiences, anon. If you make money the entire point of your life, you will be a shallow, selfish cunt of a person and die alone.

>>20081532
>+EV,
EV is a meme. There are plenty of paradoxes that show very large or even infite EV's, but when it comes down to it, no one is salient to play the game enough to actually turn that EV into reality.

>>20080920
the only thing here that im guilty of is number 1

i upgrade my phone once every 4 years (or until it becomes unbearably slow) and wear my clothes until they have holes in them. i do drink a lot of expensive craft beer though

>>20081108
you've maxed out your frugal skill tree, absolutely based

>>20080920
Thanks op going to get a loan out on a new vehicle tomorrow

>>20081151
>>20081201

this

(((saving))) is a meme
>xd i save 90% of my income
>oh how much do you save
>oh 40k a year
VS.
>"only" saving 50% of your 6 figure income
>still get to enjoy life
>girls dont think youre some weird monk
>spend on services that allow you to concentrate effort into upping your income.

>>20080920
I don't do any of these except impulse purchasing shitcoins, and I'm still poor