/biz/ - Business & Finance

>>29384746
What's this graph supposed to say? Savings accounts are a scam and there is no good reason to have one.

>>29385461
You're right, bad example. Many Americans have essentially zero savings of any kind though.

>>29384746
reminder to get >chickpeapilled

cheapest calories around

>>29384746
I'm fucking loving covid
>zero expenses
>can dedicate myself almost fully to making internet meme money
truly a blessed year

>>29385866
lentils are a lot cheaper but chickpeas taste way better

>>29385941
Based.
>>29385866
Checked. Can't go wrong with oats either. 0.10 - 0.20 / serving

Own the place you live in, make sure that it's just big enough for you. If it's too big you'll pay too much in bills and you'll start filling it up with junk. Don't fall for the big house meme, you WILL fill that house with useless shit and you will pay for that. Keep it as small as you can. And of course live outside of the big cities

>>29384746
I make 82k a year and rent a room for 400 a month including all utilities. Eat a lot of lentils, rice, and beans and budget $300 a month for food, which includes eating out sometimes. I also have a paid off reliable Japanese car for which insurance is just under $50 a month.

>>29386101
>>29386179
my goto meal
>chickpeas
>lentals
>curry paste
>onions
>can of tomatos
>some herbs from garden

+ shit ton of rice

im spending like 10 bucks a week on food that tastes great. couldnt eat the same oathmheal shit for months

It's a little late in the winter for some energy saving tips, but here's an often forgotten one. Go around your home and put your hand against your electrical outlets and light switches. Found one that's ice cold? Go to Lowe's/Home Depot and buy outlet insulating pads. Keep them for years and save money on the heating bill bros.

>>29384746
I'm in the 10k-19k range but I feel like my savings shouldn't be that high, cash is going to become useless so fast that having anything more than emergency funds is basically letting it get eaten by inflation

>>29385866
This. I managed to cut my groceries expense by half and the biggest change was replacing meat with chickpeas and beans as much as possible.

>>29385461
How much do you have saved? That’s the point autismo

>>29386553
>>29385866
>>29386482
>not eating meat
Nononono anons you're making a huge mistake. Might as well start eating bugs yourselves.

Whenever I get paid I just go on an asset shopping spree: stocks, shitcoins and precious metals. This way, most of it is locked up and I can't spend it. The left overs I blow on hookers, junk food and bullshit

>>29385461
bro you can have that money in a fucking sock for all i care, but i do hope you have to fiat to at least live for 3 months without a job.

>>29386482
add some actual veggies anon
and maybe some protein

>>29386645
i do eat meat but just not as much. nice treat for sundays. have fun paying 20 bucks for 1000kcal of chicken you dweeb

>>29385941

>Working 30 hours a week for a little telecom place, building my resume, was full time for a year but scaled back in November for school.
>Full time classes towards my Bachelors in IT, did ALL my IT shit at community college so now I just do art classes and easy shit for my Bachelors
>Up 500% since I started crypto in late July
>Finishing my Bachelors at the end of the Fall, should have enough for a down payment on a home by then.
>Plan on working remote forever, though I want to move into Database, so i may have to relocate for a time while I get trained.

There was a time in my mid-late 20s when I had almost no money to my name, now I have 50k in my bank account, I have plans, and I have value as a worker. Never give into nihilism you NEET fuckers, you can turn shit around, but it requires work.

>>29384746
it's amusing how poor people think focusing on being poorer will allow them to get richer. meanwhile the rich focus on getting richer.

>>29386101
>>29385866

wtf are you on about.

rice and pasta are BY FAR the cheapest. even potato's are better.

i do agree that they are more nutrient rich for their price though.

>>29386612
My point is that the information is misleading because I'd have answered 0$ if I was asked this specific question, but i have a ~320k net worth.

Idk if you slobs do any cleaning around your home, but most household cleaning solutions can be easily made with just baking soda by itself, baking soda + water or baking soda + vinegar. You can buy baking soda in huge bulk for cheap as dirt.

>>29386938
This tbqh.
Frugality keeps you alive, but it's impossible to save your way to riches. Better to focus on increasing income than to focus on counting pennies. Even if you are super frugal you will always be a poorfag.

>>29386355
nice, i do the same thing on $60k except my rent is $600 including utilities, and no car, but i do occasionally buy junk food. my food costs are still only $200-$300 per month
covid means no going out, so no expensive $100 nights every couple weeks. also starting hydroponics for food to save there, free electricity so why not

>>29386482
B A S E D
A
S
E
D

>>29384746
anyone here /homeless-shelter/maxxing ???

>>29386482
>can get 10 kg of chicken quarterlegs for 12 euros.
cheap and tasty

>>29386297
The small house pill is the only way right now. They aren't as inflated since people want mcmansions. Lots of boomers in my area looking to dump their rental houses with the threat of eviction moratoriums too.
>>29386938
>spend less on useless garbage
>save more
>have more to invest in things of real value
>NONONO JUST CUZ I CANT FOCUS ON SAVING AND MAKING MORE AT THE SAME TIME, YOU CANT EITHER! YOURE LIVING LIKE A POORFAG

50k and more and i drink coffe and eat avocado toast imagine being frugal you are just frugal because you make no money. Cope

>>29384746
These really aren't fair. Only financial illiterates still have a savings account post 2008. Oh yeah lemme get that 0.05% interest when equities are so liquid. No thanks
I have $0 in my savings because I have no savings. But I have $50k ready to go on two days notice at all times
Anyways
Who here /tinyhousegang/? I don't mean a literal shed but a small square footage house especially if you built it. To me houses are too god damn big. And they only get bigger, and people fill them with junk.

>>29387802
this
im 24 with 40k in bank from work
no inheritance

>>29386938
>>29387202
how about I maximize both you stupid niggers?
what am I supposed to do? force myself to spend more money? I'm fine living like this and I'm making the most of a bad situation
and I also don't go to these lenghts >>29387519

>>29385461
Yeah they're a scam but keeping a few Gs liquid is always a good idea. Interest rates are super jewed tho....

>>29386662
Degenerates get the rope

>>29386297
>Don't fall for the big house meme, you WILL fill that house with useless shit
I am glad to see this
The big house is a scam, with many dicks involved: the builders, who want the fattest check, the municipality, who wants the most taxes, the banks, who want the most interest, and durable goods retailers, who know you or the lady is gonna see 1,000 ft^2 of empty room and think it needs to be filled with nonsense. Solution was always the same, if you don't have enough stuff for it, you didn't need it anyways

>>29386938
Old rich people absolutely are focusing on saving money. You know the type, driving an old car, wearing old clothes while actually having a shitload of money. It's the only way to be

If you drink a lot of liqour, get a water filter. You can make a $10 handle of gutrot taste as smooth as top shelf. It'll ruin the filter, but they're only like $3. I've refilled old grey goose/patron/etc bottles with filtered poverty hooch and taken them to parties. no one could taste the difference.

>>29387519
Someone post the san francisco cuck bunks

>>29387975
The only Gs I keep liquid are my credit limit. Credit cards are unironically based if you always have the cheese to back them up. That way it is possible to keep all your money producing returns at all times and still handle immediate emergencies that can't wait T+2

>>29386893
I'm sorry you don't live in a country where you can get an entire rotisserie chicken for $5.

doing shrooms helped kickstart me out of the mindless consoomer hole i spent my early 20s in

Tendies from the frozen food aisle at walmart. Living the life. Also ramen here and there. Bread every meal. OJ from Wawa. Comes to $5 a day and I have tons of energy throughout the day.

>>29387975
The interest rates actually makes it a better idea to get a credit line approved and if you have some bad luck, the cost of borrowing for a few months is by far lower than what you lose from not investing a few month's worth of expense.

>>29389392
Comfy. You'll thank yourself later if you get more cheap healthy food as well though.

>>29389392
Take care of your health anon, make sure to eat lots of produce as well. Baked chicken thighs with olive oil are also delicious and much healthier than tendies.

The human digestive system is not 100% efficient. No system is. I have had a method of filtering and re-prepping my stools for consumption. I estimate that I can survive, meal wise, off USD$0.75 per day purely by sifting, straining, rinsing, and dry baking the contents of each and every stool, then mixing with filler material such as seasoned corn meal.
Pic is my entire stool, combined with an extraction tincture, prior to first mesh pass. You will want to keep a low fat diet, as fatty stool is impossible to clean, fat becomes rancid, and your first meal of dry roasted fatty stool will probably make you want to kill yourself. I have been immunised against all types of hepatitis so I do not advise you to try this until I provide more information.

>>29386482
based pajeet

>>29385753
forget savings, they are in debt

>>29390399
Keked and checked

>>29384746
Man I have about 95k on my savings account from working my ass off in construction.. it sucks bad, I can't invest even half of that

>>29390399
extraction tincture
megalol u degenerate fgt

>>29390934
Why can't you invest the rest

>>29390198
>>29390243
I'm going to buy some canned baby corn next time I go grocery shopping. I can also make Chicken Tikki Masala which is cheap and tasty.

>>29386938
Old money types live relatively frugally. They don't buy flashy bullshit.

Monthly food grocery budget
$400+ - retard tier
$200 - thrifty
$150 - king
$100 - god of beans and rice
I'm a ~$140 cheaplet

>>29384746
Tap water
If you live in a place where tap water is actually drinkable, but you can't stand the smell of chlorine, simply put the water in bottles and let it sit for like 1 week. The chlorine evaporates and the taste is identical to bottled water. I used to drink only store bought water. I tried this during quarantine cause I cba to go to the store all time and fuck around with masks. Best decision ever. Saved fucktons of money.

>>29392684
Most of that taste is just smell. If water is safe to drink but tastes bad, put it in a sport squeeze water bottle where you can't smell it. Works most of the time.

>>29392417
Depends on where you live, food prices vary greatly. I myself live on about 130 bucks and buy anything I want, except I cook for myself and always buy the cheapest version of what I want available and almost always on sale.

>>29393462
Definitely. I'd say I live in a middling wage area for the US. Low wage jobs start at 11 typically.
$150 is possible for anyone here.

>>29386837
that would be literally throwing money in the trash to have 3 whole months of fiat. what a ridiculous amount

>>29392417

Food is a simple, cheap pleasure. I'm not the kind of guy who overpays for dumb shit at Whole Foods, and my breakfasts/lunches are very budget, but I spend a little on my dinners to enjoy myself. When you're making big money a $100 difference in grocery budget hardly registers but the daily pleasure makes life better.

>>29392417
I save money by living in a small shared flat and owning no car. However I would never compromise on my food. Its quite literally the basis of your physical existence. I spend top coin on always fresh, organic vegetables, salats and only best meat, eggs and other animal products. I´m still only spending ~400 a month and enjoy the years until freedom with good physique, mental health and quality of life.

>>29394471
Healthy food is cheap. Not as cheap as possible, but cheap.

>>29388057
That's a great idea.

10k on bank 5k in cash
And 2k on crypto lol

>>29384746
Go to butcher and ask for free trimmings.

>>29385866
>>29386101
Legumes will kill you: phytic acid, lectins, oxalic acid, goitrogens.

>>29386893
Phytonutrients are inaccessible to humans, enjoy degenerating.

I have 10k+ in my checking and zero in my savings. Banks are the useless, resource sapping welfare niggers of the finance world.

>>29386482
kindly add meat ser

>>29384746
>69% has between $0 and $1000 in savings
>nice
>WAGMI

If you're a homeowner or don't have trash disposal included with rent, consider sharing a dumpster with a friendly neighbor or driving your trash to a family member's place. Burn paper and plastic.