/biz/ - Business & Finance

Not knowing how to fix even the simplest things.
>Oil changes
>fixing their grass
>swapping a battery in a phone
>changing tires every season
>putting silicone in their shower

imo this is the big one at least for me, getting hit with a 500-2000$ avoidable bill for something you can do yourself usually costs more than the base luxuries people want.

>>49457023
oh shit sorry I bought some ICECREAM guess I wont be able to pay of my loans and buy a house.

Thanks for the shitty advice boomer

>>49457023
health insurance instead of drinking water

>>49457023
Jesus those are bare minimum stuff not even a luxury items. How fuck are we

>>49457023
just live at home till u have a deposit its not that hard

>>49457144
I have /use none of them.
How not fucked am I?

>>49457229
Do not see how shit it is? Boomers can literally buy a house with minimum wages, now zoomers can’t even afford small stuffs. I can’t imagine what’s the next gen will have to do? Just don’t eat starter pack?

>>49457023

i am a frugal chad but none of the items are expensive though.
taxes on my condo are more than all that shit for the year

>>49457023
I smoke exotic ass kush, I got rich lungs...

>>49457102
It's not about the ice cream. It's about cultivating the discipline and willpower to delay immediate gratification in exchange for long term rewards. Ignore the conspicuous consumption you see on TikTok, it's normalizing the CONSOOM mindset.
"A little bit of ice cream isn't going to do anything." Since it's so insignificant, just try forgoing it for a week and proceed from there. I know you can do it!

>>49457144
>No. You can't watch TV and intake substances and food that makes you feel good. Quit spending. And stop enjoying yourself

The number one thing normies piss their money on is eating out at restaurants or going out to drink.

>>49457772
There's a fork on the toilet desk

>>49457082
You're right but

>Oil changes
I don't mind paying $40 for an oil change. $32 with the quarterly discount.

>fixing their grass
don't know what that is desu. what is "fixing their grass"?

>swapping a battery in a phone
The place I go charges $30 for batter swap. But I've only ever had to do it once in 10 years that I've owned a smart phone.

>>49457593
if thats what enjoying yourself is to you you're ngmi

>>49457887
What’s the point of making it, if every year u constantly have to invest and save. I swear there will be a food starter pack soon, dont eat this or u will not make it

>>49457487
>It's not about the FEED. It's about SEEDING the SNEED and CHUCK to delay immediate SUCK in exchange for long term FUCK. Ignore the GUATEMALAN LOAFERS you see on TikTok, it's normalizing the FORMERLY mindset.
"A little bit of FEED isn't going to SEED." Since it's so PARK AVENUE, just try SNEEDING it for a week and proceed from CHUCK. I know you can SUCK SNEED!

>>49457887
Already have. The people who made it sold before November. Your comment looks sad and lonely, good luck with all of that shit

>>49457144
Unbelieveably fucked. Wages are fucked, crypto is down, and I have a wife to take care of.

>>49457023
Trouble is if you are working a minimum wage wageslave job you are going to need things like alcohol and drugs to stop you from throwing yourself infront of the train during your evening commute

That’s funny but at this point that infographic and all the snark in this thread isn’t helpful.

I’m an attorney who, once in a while, deals with the lower income people. Let me just say, if this country continues on like this for another 5 months you won’t need to pontificate and philosophize about an economic depression in theory.

Good luck to you all out there. Save, save, and save some more. For the kids, fr fr, your life is gonna start straight sussin soon.

>>49457883
>Fixing their grass
people paying other people to mow their lawns, apply fertilizer and spray for weeds or other dumb shit, just one example of home maintenance I see lots of young people too lazy to do (I'm also young).

>Oil Changes
Certainly more expensive up here, but much cheaper to diy along with other vehicle maintenance

>fixing shit
In general it's just cheaper to fix things. This year alone had to fix my wifes cracked camera lens on her phone ($2 part), my vacuum ($0), her hairblower ($0) and did the brakes+rotors on her car and mine for parts cost only. I'm saving tons of money and enjoy the projects. I hire younger people to work for me seasonally, most have no desire to actually learn how things function, and it's expensive in todays world not to be able to swap a plug on a device or make simple repairs to various poorly made things we buy.

>>49458028
>Already have.
sure thing honey, you're a broke bitch don't lie to yourself

>>49457102
You wont because your test levels will be nuked

>>49457023
I worked for $10 an hour in 2019-2022 without a single raise. I didn't eat out and buy useless shit like streaming subs. I lived comfortably and still had enough to buy nice things once in a while. People who say they need $15 or $20 to survive are clearly just bad with money.

>>49458327
Where did you live? $10 an hour is a slave wage even if one is frugal.

>Who cares if inflation has ran rampant and has far outpaced the actual minimum wage? Just work 70 hour weeks and don't buy anything except food and gas.
I hate boomers so fucking much

>>49458479
Delaware.

donating to streamers

>>49458327
If you work 40 hours a week that is like what 1.3k after tax? I live in the UK so obviously things will be different here but 1.3k is poverty wages for us. Just for a room to rent in a shared house you are looking at £700-£800 a month, plus a couple hundred on bills. If you move to the outskirts of the city where things are cheaper you can save money on rent but that is immidiately offset by your daily commute due to how expensive public transport is here (you can't park in the cities so you can't drive into work either). On 1.3k you will be lucky to have £100 a week left for food and all other expenses after rent and bills is taken out. To put that into perspective, if you are on unemployment here and you manage to get the bennies people to cover your rent + bills, they will give you £73 a week to live off of. You are basically better being on bennies if you can swindle it than working a low paying job.

>>49457082
>putting silicone in their shower
Explain

>>49458561
calling a handyman for simple fixes you can do yourself

>>49457023
Girlfriends. Complete money pits. These days you’re better off using escorts I think.

>>49457023
Not getting a job that pays decently. Fuck "doing what you love," get a good degree in a high paying profession and pivot to something else after a couple years if you really hate it. At least you know you have a profession that actually makes you money to fall back on if shit goes south.

>>49457102

Little luxuries like gourmet ice cream or doordashing your meals all the time cost a lot, you spoiled little zoomie. You little shits don't know the value of a dollar!

Reminder, it's not a waste if it costs less than you'd get paid for the amount of time it takes you to do it. I will not change my oil, it's a net loss use of my time

>>49457023

>>49457487
There's nothing wrong with indulging in vices, as long as its done in moderation and isn't detrimental to your future well-being.
There's a big gap between someone who goes out for a bite to eat after work on Fridays vs. someone who Door Dashes meals 3-5 times a week.

>>49458569
Yes but is this supposed to be for clearing drains or what?

>>49457023
Eating out.
Alcohol
Impulse buys
Expensive vacations
Convenience purchases (shop around and stock up on toiletries. Head&Shoulders is $8-9 at Kroger, but $3.00 at Big Lots)
Unnecessary foods, snacks, candies, sodas, energy drinks.
Streaming services. You can buy $1 DVDs at pawn shops, half priced books etc.
Gym Membership. Invest in a set of weights, hopefully in your 20s and reap the rewards of working out at home.
New Cars - It's just a car. Stop being a middle class consoomer and signalling to other tax cattle that you "made it". Drive and own a car and wear it out until it rusts out from underneath you.
Condo fees.

>>49458637
Lmao

>>49458670
How moldy is your shower?

>>49458586
My wife is and has been more economical than me since ever. She hates shopping, regardless where and what. Only thing she spends real money on is good food and good shoes (as in durable and ergonomical). There are out there, anon. Don't give up.

Unless you are only eating a quarter of a cup of rice and beans a day and living in ze pod with right people you are an ENTITLED millennial avocado toast I hate my wife phone bad book good why am I in a nursing home with inner city negroes

>>49457023
Every single logo is out of date

>>49458637
>bank statement of a fat retard with a useless degree
>>49458675
at least shes kind of asking the right questions
we have lived in unprecedented comfort and the whole thing is shaking and crumbling, standard of living WILL be reduced in (former) first world
also
>make life bearable
wont she then ask if waging and giving up old traditions are really worth it just to be another debt slave?
>>49458742
another woman who doesnt get the entire picture, never will.

>>49458742
>2 Paychecks away from living on the street
That's been the case for wagie serfs for the last few decades.
Only thing is that the rise in costs across the board really underlined it.

>>49458110
I think it's illegal for me to water my lawn

>>49458638
The gap is that the doordasher is a /fitbiz/ chad who values his time and eats clean while the poor wagie is stuck consooming shitty food you would not even give to cattle and calls it "vices"

I had 2 Häagen-Dazs yesterday kek

>>49458823
I transitioned to clover last year and basically zero maintenance needed. I mow about once per month and don't water.

>>49458670
Silicone goes around the edges of sinks, baths, showers to waterproof the bathroom. Occasionally you will need to replace it (only when it wears away, a lot of modern silicones have anti-mould properties.)

>>49457082
>>49457114
>>49457164
>>49457336
>>49457772
>>49458092
>>49458110
>>49458327
>>49458586
>>49458684
Based.
>>49457102
>>49458480
>>49458634
>>49457593
>>49458028
Enormous fucking faggots.

>>49458675
sad!

>>49458883
absolutely based. Been trying to get my parents to do this. My dad hates lawns anyway, he thinks they're a waste. At least with clover it grows easy, doesn't require constant watering to look green, and is good for bees. I wish grass lawns would be outlawed.

Buying dog shit themed crypto currency when they should be buying Butts instead.

ASA ID 753137719

>>49458675
Because that’s exactly what keeps you from fucking making you stupid fucking hole. Imagine if they invested even a fraction of that wasteful consumeristic TRASH and put it into crypto or stocks or fucking anything that increases in value. Your chances of making increases tenfold. But these retards choose to live in the moment and then bitch about wages down the road. I FUCKING HATE BUGMEN AND WOMEN.

>>49458700
No one is making 7.25 anymore. Everyone is easily getting paid like 9 bucks AT LEAST. So many places are paying like 13 and 15 now. It’s disingenuous SHIT like this that makes me wanna fucking kill all liberals.

>>49458883
>>49459094
Any specific clover or seed brand you recommend?

>>49459046
>You can't just set a hard value to how much your time is worth, you have to do everything by scratch to scrounge for pennies.

>>49457883
>I don't mind paying $40 for an oil change. $32 with the quarterly discount.
Translation: I don't know how to change muh oil lol.

>>49458742
>sleeve tattoo
>EZ $3000
>complains about money
lel

>>49459190
you dont get it

you arent supposed to be rewarded with gains just because you bought stocks. stocks are speculative. you could just as easily lose money and in fact you're more likely to lose money buying stocks. buy and hold is not guaranteed to work. past performance is not indicative of future results.

the "safe" investment (bonds) has been raped by fed policy. there is now no easy way out for the average 105 IQ cuck

>>49459094
I'll say this, yes good for bees but they will hang out in the clover and get you, we've managed this by always keeping a more attractive plant around (right now my egyptian onions are in bloom and bees seem to like them more) soon my zucchini will take over. Alternatively just mow it when they flower if you have kids/pets with bee allergies.

This thread is an absolute goldmine of miserable incel bagholding cope, holy shit lmao

>>49457883
I used to work for a big box car shop in college. we use the shittiest oil we can get, it's a coin flip on if we actually change your filter.

>>49457023
Anything to do with cars or chud hobbies like guns, figurines, toys and fad consumer electronics.

>>49459239
We went with white dutch clover, but it is really dependent on your climate. I know many go for more of a micro clover which I think has a better visual appeal. You can also mix and match them for a variety of flower colors if you want. Also remember to leave cuttings on the ground, clover are nitrogen fixers but to be effective they need to rot out and feed the soil again.

>>49459359
I started changing my oil when I was at one of my clients houses and the filter was straight up sitting in my aero panel thing and poured over their driveway. Not only did I have to come and run a degreaser poultice to remove the oil stains, I had to taxi to a shop for a filter and oil and do it on the spot with my jank lift and some cinder blocks.

>>49459318
I would leave the clover for the bees and would rarely tread on it. I love bees because I love honey.

>>49459336
No.>>49459376
Incels and chuds unironically outspend normies on retarded shit. A normie might spend $20 on a meal but a chudcel will spend $400 dollars a week on gatcha games and warhammer figurines.

Netflix and HBO, and possibly also Hulu and Spotify, may be a waste of money on a purely individualistic level. But without all those people paying for the services, we wouldn't get some great shows. In that sense people are chipping in for the greater good, why try to persuade them against that.

>>49459499
Don’t forget onlyfan

>>49459243
It is good to encourage people to step back from the consoomer mentality that is instilled in the American public. Learning to budget, save, and invest and cut out the unnecessary spending is one of the best things you can ever do for yourself. My net worth exploded once I began to comb through every aspect of my life. Pennies add to quarters which add to dollars which add up to entire hours of the work week. Hundreds create thousands and the thousands is where you can snowball into "made it" status. Also, the tighter your budget, the more impactful can be things like dividends etc. Your money is only as effective as how you choose to spend it. And every 4 months "dividend season" rolls around and it's starting to get more and more comfy. It's like enjoying a tax return, yet it happens multiple times a year. Suddenly I am not solely dependent on my wagie check, and every quarter things just get "that much better".

>>49459505
>doesn't torrent 90's japanese tv
ngmi

>>49459561
knight scoop is based af

>>49458675
>why should I have to sacrifice immediate luxuries in the short-term in order to gain long-term?
>why hard not easy?
Because real life.

In order of relative impact

1. Cars. People way overpay on car + insurance. And it's a monthly cost meaning a lot over the long run.
2. Food. People overpay to dine out too much.
3. Clothing. People are willing to buy at a 4x markup for the name brand.

I really don't think a few $10 entertainment subscriptions are the biggest financial gains goblins right now

>>49459672
The subscriptions definitely add up though. Some people are clueless and sign up for all kinds of shit that hits their credit card. A lot of people never even look at their statement.

>>49459616
most good things that will be made have already been made, it's just making time to enjoy it. Novelty through 6 media conglomerates in modern capitalism produce garbage media. BBC docs are the only exception.

>>49459270
Changing oil is not the problem, knowing where you can dispose of it afterwards is the problem.

>>49459672
How to cut car insurance costs?

>>49458860
>people take home 1256
More like $700, but then again there are rent stabilized communities and section 8 housing for those that are not able to afford anything. I "make too much money" to get into these programs.

>>49459947

Get a cheap car. They go hand in hand. People are like "oh I can JUST afford that nice car payment" and forget they will be doubling their insurance too.

>>49460073
>>49459947
>>49459672
Imagine owning a {{{car}}} in 2022

>>49460218

>taking 1 hour to take a smelly train or bus to the grocery store

no thanks

>>49460073
I just did some math and I already pay below the average for my state and age group. It's a fucking scam that collision and comprehensive are separate things. Fucking dlcfication of basic services.

DLC was probably a psyop to get zoomers and millennials used to tiered ownership.

>>49460218
European retards should not be allowed to shit up the internet.

>>49460260

If you buy a cheap car that you don't care about just dumping if you ever total it, you don't even have to worry about comprehensive. Find the most reliable thing you can get for a cheap price and go for it. Save/invest a lot on other things, it's better to have a nice house than a nice car.

>>49459852
>I paid £3,000 in rent per year for the last 26 years, why do you mean I don't qualify for a mortgage? You're predatory!!

>>49460323
26 years with good rent history. Should that prove they are capable of paying the mortgage? That’s pretty reliable

>>49459312
Doesn’t matter. I’m stacking my Oasis ticker: ROSE sack and will be a millionaire by 2030 AT LEAST.

>>49459852
>>49460323
Yeah, I was going to say... 58 pinds a week

god I wish I could move out of my parents house for that price

>>49460249
Every neighborhood has a supermarket within <15min walking distance.

>>49457772
Drinking is the absolute worst, there's no benefit and the more drunk you become the easier it is to spend even more money.

>>49460519
>the more drunk you become the easier it is to spend even more money.

>I'm not going to buy cocaine this weekend
>3 pints later
>buying £240 worth of gear for the night

Good old cocaine addiction days.

>>49458700
>>49459219
I know bait, but

>>49459547
How much do you recommend I just put in a general bank savings account?

>>49460431

>dude just carry a bunch of groceries home

How about no faggot

>>49460649
you are supposed to press the calculate button

>>49460708
Maybe a couple months of rent and bills? I don't keep hardly any money in the bank, personally. I'm young enough to where I can handle the risk.

>>49460300
Now that I think of it, I'm pretty sure I got comprehensive originally because I thought it would protect me from uninsured drivers, but that's a separate thing. I guess I'll cancel it on my next payment.

Buying chainlink
Should of just cut out the middle man and took 90% of your net worth into cash and lit it on fire, atleast you would be left with something tangible like the ashes.

so many seething poorfags in ITT

>>49460747
Absolute state of Ameriblobs

>>49458675
You know what really gets me about these people? It's not that they're self-righteous or annoying.
It's that they preach all day long about being selfless, caring about others, having "empathy". But when it comes to things that we all value, work hard for, sacrifice important things for, their "empathy" only stretches into their familiar territory.
When confronted with someone who busted his ass to get a house, start a business, get fit, etc, they can't put themselves in his shoes to save their life. It's have vs have-not regardless of what we might have sacrificed to get the nice things we have.
Be envious, fine. But don't pretend the world should just provide you with precious resources that people had to spend long brutal hours crafting into existence. Don't pretend bagging groceries at fred meyer is injecting so much value into society that you deserve a single-family house to yourself. Enough with these talkers.

>>49460914
>It's have vs have-not regardless of what we might have sacrificed to get the nice things we have.

Let's be honest most of the time is that it is mummy and daddy bought it for you, not because you are some genius investor. Unless you are a boomer and in that case it is that you bought it for a literal tenth of the price of today's market.

>>49459190
…is there more of trophywife chan?

>>49457023
paying 20€ every 6 weeks just to get your hair cut. I cut it myself, which saves me 6toz gold over my lifetime

>>49459359
yep the place i used to go literally didnt change my filter. it was encrusted with leaves when i found out. i still go the place cause i was lazy. but i might just go to jiffy lube.

Man I’m a small business owner in a trade field and it really is difficult to start up.

>>49461041
>Let's be honest most of the time is that it is mummy and daddy bought it for you
But if you looked at the stats you'd know that's not true. Investing isn't the only way to make money. People who are self-made tend to do it by busting their ass making a product or service in their free time when everyone else is out getting drunk and getting laid.
>Unless you are a boomer and in that case it is that you bought it for a literal tenth of the price of today's market.
True, because people's wages are priced in depreciating federal reserve banknotes, which is what they should actually be complaining about. But instead they're going to continue blaming the billionaire boogeyman who has no control over central bank policy.

>>49461145
Kek. based tho.

>>49457023
They waste money through buying liabilities and expensive cars that is degrading as always. True chads stake their money and waiting for the Equilibrium DeFi platform launch in the coming weeks.

>>49461154
Stick to it anon, my first two years were filled with garbage contracts and sitting at home making marketing materiaul gold out of the worst jobs imaginable. I went from pressure washing oil off driveways to 30 million dollar properties (i now only specialize in stone repair) in 6 years. I had the same skills at my trade early but didnt have the client base or trust, it takes time.

>>49459219
>No one is making 7.25 anymore.
I am. At least that what the gov't thinks.

>>49458675
>even if i could get good grades by studying hard and not go partying every night... why should i have to? why should i make sacrifices just so that i be successful later on in life
delusional

>>49458110
>Oil Changes
>Certainly more expensive up here, but much cheaper to diy along with other vehicle maintenance
Not buy much. DIY supplies have gone up and oil change services have gone down. By the time a DIYer buys the supplies, does the change, cleans up and gets rid of the oil its a wash due to the wasted time better spent elsewhere. My time and most others isn't isn't free so it pays to use a service. Maybe your time involved with a DIY oil change is worth it it you work for minimum wage. Saving that $5 will get you a couple tall boys of malt liquor I guess.

>>49457883
fixing it with tape and glue, or spray painting green the dead areas

>>49457023
They waste their money on having flat token launches which brings no value at all. If they go in with initial marketing offering of KOLnet instead, their fucking lives will be much easier

>poor devs

>>49461918
An oil change takes me ~30 minutes. Certainly you aren't having your oil changed in less time. What supplies are you referring to? A couple of picrel on craigslist and a plastic basin to catch the oil? There is no excuse not to change your own oil unless you live in a condo or something.

>>49460519
Smoking is the worst. Getting girls drunk means you get to fuck them, cocaine pretty much guarantees it

>>49458016
uhh im thinkin based?

>>49462354
> cocaine pretty much guarantees it

So when some thot asks you if you have cocaine, she wants to fuck? Sounds like its a cheat code almost, like owning a boat!

>>49462457
>So when some thot asks you if you have cocaine, she wants to fuck?

No she wants a free bump off you.

>>49460417
it's a meaningless amount

>>49461918
I am not gonna argue with you. If it works for you great. Like I said my time is worth more than minimum wage so its not worth my time to fuck off running errands, do the work, clean up and disposing of the waste.
To put it in perspective a gallon of oil and a filter is around $27 at walmart plus at least paper towels to do the job cleanly so another $1. I can make an appointment at the corner oil service shop where they'll change my oil for $30, top off other fluids, check the car out dispose of the waste for me in less time than fucking off running errands, doing it myself and cleaning up.

this post >>49462559 meant for >>49462303

>>49459499
Those games will just make their brains whack and empty in the long run, if they just buy some Queen bees on Honeyland which is around 45 SOL right now, they will double or even triple their money after the bullrun. Lolz.

>>49461844
Based as fuck.

>>49457883
>>49461918
>>49462559
>t. faggot

>>49457487
Just think anon, if I abstained from having the pint of Ben and Jerry's I get every two weeks, I could save up enough money for a down payment in 384 years

>>49462457
Not like that. If you’re on a date with a girl and you pull out an eight ball, and she’s down to do some lines, you’re almost certainly getting laid that night.

>>49457023
>What are some obvious ways people waste money?
Groceries
Running water
Power
Heating
Showers
Sleeping instead of working

>>49462978
We get it pal, you’re a fatass.

>>49460218

heres your car free utopia bro

>>49460218
I enjoy cars because I can go wherever I want, whenever I want, without having to share public transportation with murderers, rapists, public masturbators, shit-eating schizophrenics, and confrontational subhumans that blast trap music on dollar store speakers purely to start fights. People are awful. People are so fucking horrible that they sacrifice in countless ways to not be around each other. Where good people exist, many multiples of others swarm to them and the good is destroyed, and no one is surprised because no one hates people more than people. Why the fuck would I give up a metal autonomy pod that can take me anywhere I want at hundreds of miles an hour like fucking magic to be closer to vile, hostile shit?

>>49463317
You’re not wrong but holy fuck maintaining a car is expensive.

>>49459318
I've never heard this and am SO FUCKING READY to get rid of my grass and switch over to clover. Fuck grass. How hard would it be to switch?

>>49463317
>People are awful. People are so fucking horrible that they sacrifice in countless ways to not be around each other. Where good people exist, many multiples of others swarm to them and the good is destroyed, and no one is surprised because no one hates people more than people.

>>49459852
>housing
>basic human right

Yeah because houses build themself

>>49459456
based honeychad

I won't begrudge people on a $10 splurge to help them get through hellworld.

>>49463390
>You know what really gets me about these people? It's not that they're self-righteous or annoying.
>It's that they preach all day long about being selfless, caring about others, having "empathy". But when it comes to things that we all value, work hard for, sacrifice important things for, their "empathy" only stretches into their familiar territory.

I built my house and my car. We live in a throw away world and I have zero problem buying used. I got so much stuff it’s retarded. I have another house that was abandoned just to put stuff in. I use a 80 year old tractor to blade my driveway and garden.. i have like 14 classic cars that I restored/restoring.
I’m under 40.. we are out here, just not online.

>>49463415
This is projection lmfao

>>49458675
Love from kazakhstan

>>49458327
you worked 40 hours a week to make money for somebody else while living in poverty. Netflix as a luxury in the wealthiest country ever existed.
>my sides

>>49457023
DUDE WEED LOL! it helps me in so many ways, there’s no way I can live without it.

>>49463415
commie

>>49463655
>t. Socialist retard.

>>49458586
Girlfriends. Complete money pits. These days you’re better off using escorts I think.

>>49463655
>While living in poverty
I didn't though, tranny.

>>49463740
You think you didn't. That's the point.

>>49458110
>live in HOA neighborhood but exempt because house is older than HoA
>covenants literally require well kept green grass
>just set mower to lowest setting and rip through my corner lot
>even in summer so the grass dies and looks like shit while weeds take over
>one neighbor got so butthurt he literally hired a lawncare service and tried to get them to charge me
>that failed so he sent a kid over to try and do the mow without permission then ask for money
>caught him measuring my grass to try and get the city to fine me
>bro neighbor let me just copy his pool key as long as I let him park in front of my property when he's got his trailer hooked up
HoAs are literally too easy bros

>>49457082
>owning a car
usa is an expensive parking lot. buffett says if u own a car youll never make it

>>49457772
Is that pic from dinotendies? It looks a whole lot like something dinotendies did

>>49457023
grubhub/uber eats

>>49463889
Yes it is.

>>49459190
>Imagine if they invested even a fraction of that wasteful consumeristic TRASH and put it into crypto or stocks or fucking anything that increases in value. Your chances of making increases tenfold.
Lol no, chances are you'll get wiped the fuck out whenever the big boys decide it's time to rebalance their folios.

>>49458883
>>49459094
Thoughts on moss/chamomile lawns? I'm anti grass because that jew plant has had it too good too long

>>49464071

>>49463792
Remember when we printed boat loads of cash for two straight years and now gas and everything else is expensive as fuck? Twitter trannies should be shot In Minecraft.

>>49457023
>pic is bread and circuses to placate the masses
>huge price hikes for bread
>berated for attending circuses
Bold move, curious where it goes next

>>49464071

>>49463379
If you want to deal with a few years of grass overgrowing the clover but eventually having clover take over
> mow on the lowest possible setting
>good time to also aerate the soil
>add mixute of composted manure or wtv other top soils to about 2-3 inches, add some sand for drainage, your weather will determine these things
> plant a boat load and dont cut for a while.
> repeatedly seed
> MUST be done in spring or fall because it wont germinate well in extreme heat.
> watering it in early stages is imperitive
> weeds will show up due to exposed soil, however the clover will eventually overtake them as the soil conditions improve

If you want just clover, unfortunately will need to rip the grass and either remove it entirely or chop it up, flip it upside down and repeat that process for a few weeks until it's basically dead. Avoid killing all the soil life with sprays and other garbage.

>>49463842
No HOA here (leaf)

>>49464071
Not sure about chamomile, you can go for a long herb-combo lawn but it will certainly stand out as messy vs. clover. Wildflower+chamomile lawns are beautiful though. Moss requires pretty specific conditions I'm not sure how it would hold up here, in a well shaded place with good moisture retention would prob do well, but again I'm unsure. I do see moss+paver combos do well under tall mature trees for shade though, which is an option.

>>49463876
imagine not owning your own vehicle and being able to go decades not worrying to see a mechanic because you're not useless and actually enjoy the process of learning how to do things.

>>49462559
To each their own, I also value my time, what do I do with my time? learn how to do more things, learn how to fix things etc. eg. Quoted 18k to fix a crack in my house foundations. One weekend and some shovels, $1000 in material and I dug the bastard out, repaired it, and had it filled in ready to work on Monday. This is what gives life meaning, do with your time what you wish.

i agree best to invest in DEFI and stake to make you divs money work for you noon stop . hypermine project answers this criteria .
also trading commodities

>>49457023
Why is Ben & Jerry's on this list? Its just Ice Cream that comes in a small tub.

>>49460747

>>49458535
you can live comfortably up north for that wage probably.

not that I would because the north is fucking awful, but aren't houses like £400 a month in some shithole like scunthorpe

>>49458016
based

>>49458327
>t. lives in Arkansas

>>49461107
based

>>49464751
Uh yeah, you can buy houses for 40k in Bradford, although I'd have to do a raincheck on the non-indigenous population

>>49460747
amerishart

>>49458675
she's right you know, governments need to subsidise or encourage more social value home building so we don't all waste our money on rent. working at a big 4 accounting firm, people complain day in day out about renting problems, not being able to find anywhere etc

>>49463390
>>49463511
kek

>>49457082
changing the tyres themselves requires a specialty machine. winter wheels also cost a good amount of money.

>>49459672
not mention rent is a mistake given its the biggest cost for most people each month

>>49465109
I think the hard pill to swallow, and many will disagree - we live in a society that succeeded out of exploitation, first slaves, then globalization leading to neo-colonialism... Millenials and zoomers are quite literally the exploited class now, simple as. The sooner people organize a general strike or some sort of resistance to balance things, the sooner things can improve. Crypto put many of us ahead of the curve, but I'm sure we all know people who simply will never make it, its not only nearly impossible, our social structure depends on an exploited class and always will in order to function.

>>49457023
I made that image

>>49465142
two sets of rims always, steelies are dirt cheap, nobody who uses winter tires switches the actual rubber seasonally. Every 4-6 years when you get new tires typically they will swap and balance for free, just make sure you rotate on your own swaps and you're good to go.

>>49460914
do you think these people are against billy fuckhead that worked 25 years construction and now has a cement business? that's probably the same sort of path you're on and you've already put the "small business owners are oppressed" spook that they're always on about and you're simping for people in echelons that you'll never see because you're new money yokel trash

>>49458709
haha

>>49458860
Typical anti fa "brains".
He's comparisons are wrong as is his math.

>>49457023
here's an updated version for ya OP

>>49459725
>credit card
It goes even deeper. They put it on a credit card and don't/can't pay it off. They keep it open past the promo phase and pay it with their bank, so they get the shitty cashback rate as the only benefit after. Gotta shop around for a debit card that does cashback too (Coinbase or CDC would've been great pre-rate slashing) and then use them to pay for cashback on the bill.

>>49457144
tattoos
wee
alcohol
more than 1 streaming service

yep none of these are needed and i cut junk food years ago

>>49465403
some things on amazon or worth the money. you can sometimes find cheaper deals than their own store.

>>49457023

Only fucking fans

I guess pretending that an e-thot is your girlfriend has its appeal. Just know that she will spend that money on lube so she can take Tyrone's 11 inch cock in her taint.

>>49457082
>>Oil changes
I know how to do it but its massive pain in the ass to try and do it on apartment complex parking lot
>>fixing their grass
dont have a lawn dont know what this means
>>swapping a battery in a phone
This isnt the 90s anymore, who the fuck tries to change their battery on a modern smart phone, and why? they last easily for years, you are not changing them every month. lmao.
>>changing tires every season
Winter tires in winter and summer tires in summer. even if you are lazy its. 30$ twice a year to change them i a shop. not a big expense.
>>putting silicone in their shower
What to fuck does that mean? Never had to do that. have lived in my aparment for 11 years.

>>49459359
You’re a piece of shit

Concerts.

>>49457023
I saved almost $600, doing my own oil changes, fluid checks, etc. This is peak euphoria.

G

>>49458883
I have an african tortoise that eats my grass, he wanders around my yard like a roomba and bites the grass down to literal putting green length. I have not touched my mower in the last 4 years. Takes 5 minutes to rake up his turds every once in a while and since they are just plant fiber they basically dissolve once they dry out in the sun after a couple days.

Honestly you shouldn't need more than regular YouTube.
Are you telling me that after 2 decades you haven't refined your taste down to a few exceptional creators?
Alcohol is dogshit though.
The rest of the boomer retardation i disagree with. You shouldn't be pressuring the average American, you should be pressuring corporations, not babying them.

>>49459947
Buy a car over 5 years old with cash. Purchase the state minimum liability coverage. Pay for 6 months at a time. Also be over age 25 and have no accidents or tickets. My car insurance comes out to $55/month and I drive a fucking v8 benz.

>>49466151
This makes me extremely happy. Tell me more about your tortoise?

>>49466406
He's dumber than shit but impervious to literally all predators. they will instinctively dig burrows underground but I don't want that so I built a little structure on my patio that's basically just an insulated dog house. He goes in there at night and it keeps him from digging, I also put an electric heating pad in there during the winter because night time temps get a little colder in my climate than their native habitat. He will likely outlive me and I would be very sad if anything happens to him.

>>49466633
This is amazing. I mean, lawns were originally maintained by goats, sheep etc. so this makes perfect sense. I see no reason to add unnecessary tasks to our lives. How did you end up with a tortoise?

>>49466713
>How did you end up with a tortoise?
I "rescued" it from a retarded family friend who is a teacher that kept it in a terrarium gallon fish tank and fed it iceberg lettuce. I'm pretty sure that stunted his growth at first cuz his shell initially had a kind of assymetrical pattern but it's evened out as he's gotten larger.

>>49457023
investing in anything that isn't MATIC.

>>49457023
The things that you do for fun or any additional stuff beyond living expenses.
You either spend some for fun or keep it and have a boring life.

>>49466887
Cheers to you for giving your tortoise a nice life. You need to get them a tortoise friend to fuck around with now.

>>49467138
Hard pass lol. Go on youtube and watch sulcata tortoises breed. its fucking horrifying

>>49467278
counter-point

>>49463195
Is that the guy that shit on
Jonny Depp's bed?

>>49457487
But what of the poor ice cream retailer?

He is now losing his profit so that... You can feed your profit made by inflating house prices.

Surely you can see that the only end game for this will be 0% consumption anywhere else and wages being used 100% on housing.

Surely you can see you are a cancer to the economy that will continue to grow until it kills it's host?

>>49466887
Based.

Someone post the long yellow sticky note of subscriptions
>You know the one

>>49457023
anyone know a trade you don't need a car for?

Some people bitch, moan, and complain about minimum wage, but that's what most people are worth labor wise. They will never try to improve on themselves in the workforce. Most people will simply take a warehouse job making 12 bucks an hour to get their drug or alcohol fix and that's it. Bezos was simply the symptom of lazy fucks looking for an easy out.

>>49469953
Onlyfans.

>>49457487
The fact that you're referencing tiktok discredits your opinion entirely.

Faggot.

>>49458637
>$8000 bill from doc
What kinds of sickness they have requiring 8k per month?

>>49458675
I have a copy of my ex colleague's monthly expenditure details she stored on her work pc, every month her back either goes to $0 near the day of paycheck or $100. I make a little lesser than her but every month i have at least $2500 left at the end of the month. She an accountant too.

Embrace your inner jew
>NO subscription services, except I know my elderly neighbor's paramount plus password and watch that sometimes
>No sugar low carb diet
>Mostly eat tuna and chaffles, make and drink coffee as an appetite suppressant
>Very minimal grocery expenses!
>No weed, no cigarettes, no vape, no hard liquor
>Buy a 6 pack of low carb beer every other weekend
>Fast through the weekend so I can drink on an empty stomach and get fucked up for dirt cheap
>Zero tattoos
>I'm not even fucking poor I make 80k/yr living in a rural shit hole I'm just a cheap sob
I own 40 acres and built a house this year. Literally just stop spending so much money on bullshit you little fuckheads

>>49459947
live in a low cost state

my dad wrote insurance for a lady that moved from Boston

him: premium is like $250
her: 250 a month is cheap
him: no, 250 is for 6 months
her: was paying over $2k for 6 months

>>49457325

Weed and alcohol are pretty expensive fren. Especially when we're talking about non-essential, discretionary expenses, which they are.

>>49470053
People bitch because minimum wage hasn't kept pace with inflation since like 1970. Money hasn't been a problem for me for years, I certainly don't make minimum wage (and actually I think I never have), but I can understand why people complain about that. It's true that some people's labor isn't worth much but it isn't worth vastly less than it was worth in the 70s.

>>49457082
>put anti-mold silicone in my shower
>it molds anyway

>>49457593
you should stop overstimulating yourself but not because of the cost

Biggest and most obvious wastes of money are rent, insurance, and debt interest expense. All three are pure waste that give nothing back.
Most of the shit posted in this thread has some opportunity cost associated with the alternative options (such as doing tasks yourself). It may or may not be worth the cost, but at least a good or service is provided that adds some form of value to the consumer's life.

Rent is paying for someone else to own something, essentially giving them a free asset.
Insurance is paying for someone else to gamble on your stuff or your life. You're basically a casino operator except you always lose because you have no edge. (unless you know you're at increased risk or already actively have some medical condition that'll be subsidized by some other suckers' insurance premiums).
Interest expense is pretty obvious - just a direct loss of capital.

Luckily debt has negative real yields right now so debtmax chads just collect free value in exchange for a rapidly decaying currency expense... which brings me to the last big waste, holding fiat currency. There are millions of losers out there who thing they need 3 months, 6 months, or even multiple years worth of backup savings. Some leave their entire net worth in savings accounts. All of them just passively lost 10% of their wealth these past 12 months alone.

Honorable mention for taxes. People will complain about a $10/month video subscription while paying $5k or more in annual taxes in some democrat hellhole. Do everything you can to minimize your taxes, or delay them indefinitely if possible. Unfortunately, it's generally impossible to avoid taxes entirely, so if you have no alternative it's hard to call it a "waste".

>>49457023

>>49458684
>New Cars - It's just a car. Stop being a middle class consoomer...
The main reason for buying a new car as apposed to a used one is that most people need to take a loan to buy any car, and trying to finance a used car can be next to impossible, while you can easily finance a 20K korean car.

>>49457023

>>49471954
>Insurance is paying for someone else to gamble on your stuff or your life.
This isn't a bad post and all, but this analysis of insurance is retarded. It's not "pure waste" to take the chance of having your entire financial situation ruined by a random car accident or injury off the table. Never having to worry about fitting a sudden five or six figure emergency expense into your contingency plans (or make your loved ones eat a sudden six or seven figure loss of your expected income) is bona fide value received for the money you spend.

>>49457023
not taking a forgivable 100k PPP loan when gov say no checks needed- auto forgivable under 150k. no investigation under 2 millions. Magic number was <150k and free money

>>49472201
It's a pretty bad post. His analysis of rent is also very naive, the kind of thing that someone with a high school understanding of finance would say. It's obviously true that when you rent you're not building wealth through home equity, but if you live in an area with an overpriced/bubbly housing market –which some people literally have to, for their careers – you'll often be better off renting. As long as you invest the money you'd have spent on a down payment (and on the other costs of home ownership) in something else, you'll often come out ahead.

There are parts of the world where everybody has this idea about renting, "it's literally just throwing away money." The actual effects are pretty brutal. People tie up huge chunks of their net worth in real estate that in practice is nearly unsellable and even on paper they'd have done better to just stick their money into an ETF that tracked the US market or whatever. And yes, that underperformance factors in the money they'd have "wasted" on rent.

The truth is that renting isn't a waste of money, you're getting something for what you pay, the ability to live somewhere WITHOUT tying up a ton of your money in real estate. Sometimes owning your home is a great financial move and sometimes renting is just mathematically better, and that depends entirely on the market conditions of the place you want (or have) to live in.

>>49457023
How are people bad at saving money? A weed pen costs me 40-60 and lasts me like 1 and half months, i have a home gym and go to to this turbo cheap gym(10$ a month) and i still have left over. And i don't even work full time. Legit i work 18-27 hours part time depending on what's available. I have no sympathy for those who don't save.

>>49472911
But desu, i live with my parents and i get food stamps. Thought I pay my parents around 70-80 of my paycheck.

>>49459270
$40 is a HOT deal for an oil change, what? To get mine changed is $100+, doing it myself costs around $40 for the oil and filter.

>>49457144
You know there's free streaming services all over the internet, torrents hell people upload full shit to YouTube even. I've had 3 people offer me to use their netflix password just trying to be nice and I turned it all down because Netflix is literally trash and not even worth using for free.

>>49460747
Yeah right? Sounds like a good way to get robbed.

>>49470748
Women are biologically and socially wired to believe (rightfully/realistically so btw) that no matter how bad they are with their personal finances, a man with good finances will "rescue" her and take care of all things money.

That's why they are more careless with money and travel, buy shit, do trendy things, etc etc.

>>49457023
Your parents spent money on you

I used to just grow my own weed so it wouldn't cost me really anything, but now I ran out and considering stopping because of the cost. So yea I agree on all of them except weed if you grow it yourself like everybody should.

>>49474782
For example, imagine if society tells you that you're almost guaranteed that you'll date/marry a girl that will have more money than you and provide for you and your children.

Wouldn't it be natural then for you to be careless with money and enjoy life a bit more? Buy more games than you would and maybe buy a motorcycle?

>>49458327
>>49458499
more like DelaWHERE?

>>49463734
tits or gtfo anonette

>>49465225
it's almost like capitalism exploits the surplus value of people's wage labor ... hmm.....

>>49475174

>>49457023
GF or wife's stupid business ideas.

>>49457487
I have not consoomed since 2008
Never had a streaming subscription

Cant afford to buy a house 14 years later all my savings are decreasing in value

>>49457023
Rent. That's literally it. Nothing else matters.

>>49463047
>go on date with junkie whore with no self respect
>she lets you fuck her
Wow anon a real life cheat code!

>>49471062
>Buy a 6 pack of low carb beer every other weekend
Make your beer yourself, you spend a bit on equipment but it doesn't take many batches to start making savings (£100 upfront and £20 per 10l batch, so £1 per bottle, only the cheap shit cans are cheaper), and then you can make whatever kind of beer you want. Mine were enjoyable from the first batch.

>>49458634
Stupid logic.
You arent sacrificing working hours to repair your car.

>>49470748
>every month i have at least $2500 left at the end of the month
It just stays in your account? Every payday I pay off my credit card and send the remaining £1-2k to my investment accounts to buy crypto and shares, leaving just enough for rent and bills to be taken out when the new month begins. Then my account is near zero for the rest of the month. Why shouldn't I do this?

>>49457023
why would you ask for the obvious ways? if they're obvious, we'd already know them, as made evident by all the crackers posting the very first thought that comes to their retard minds. why would you not ask for the subtleties? some nuance? retard.

>>49475174
>surplus value

You're right, comrade. We should exploit the full value and just enslave them!

>>49459046
Cringe

i'm gonna attempt to move out while working 2 part time jobs on minimum wage. i bet i can do it

>>49457082
I tried changing my oil once from a YouTube but the jack wouldn’t get the car up high enough to put the stand underneath so I quit and drove to valvoline and they did it for 30 dollars

>>49464071
>I'm anti grass because that jew plant has had it too good too long
basie

>>49457102
That shit is hillarious isn't it. As if the money system wasnt a giant scam run by bankers for bankers and designed only to make everyone their slave.

>>49463452
looks like success breeds success. single mommy raised incel losers will never go beyond prison bars

>>49464071
I had fake grass put it the front yard and the side yard is normal grass for my chickens to graze on so I never have to cut it

>>49471062
>Mostly eat tuna

You will die of mercury poisoning faggot. No wonder you live in a rural area, you're a fucking low IQ redneck.

>>49457023
Those are addictions. There's no problem with spending some money for stuffs you like as long as they don't consume your time and health.

you forgot cigs

>>49457023
Cooking food is probably #1
Also always upgrading phone and car, being a bad driver and paying insane insurance costs

>>49457082
Boomers don't know how to do any of these things.
How is it fair that my generation (I turn 19 in a few days) has to somehow do these things?
Boomers, Gen X, and Millennials are so lucky to get everything.

>>49476778
my boomer parents taught me to change the oil

>>49476787
And look how you ended up.

>>49460385
Not really familiar with Rose and Oasis. But they seem solid.
I'm holding Sylo especially now it's getting to coinbase.

>>49459547
Lmao let me know how it works out for you, I'm sure you'll make it any day now.

>>49463595
And 0 children

>>49463792
note that you are sharing the opinion of someone who is probably a boomer woman based on account name

>>49460883
Just walk 30 minutes to buy one bag of groceries two times a day bro

>>49458675
idk but id pay her $100 to suck me off

So I saved 5 dollars on making breakfast at home, this will totally save me from my 2000 dollar rent payment.

>>49477278
Stop eating avocado toast u entitled millennial

holding Lank instead of API3

>>49457023
Remove weed.
Weed is budget friendly.
Cheapest entertainment money can buy.

>>49457023
What is this black thing supposed to be?

>>49477790
urethral sounding device

>>49477790
That’s a juul, for vaping nicotine

>>49477790
A ledger for storing their shitcoins. If they never sell they never lose.

>>49465142
just buy steelies for winter

>>49458638
>There's nothing wrong with indulging in vices
enjoy burning in hell

>>49478201
4chan is a vice

>>49470691
facial feminisation surgery repayment plan. worth every penny

>>49464545
owning a car is fine if its an option. You are forced to own a car in the us whether or not you want to

>>49467349
liottle penis head lmao

>>49462303
those rubber pads are like 200 bucks

>>49471412
Chances are some water was still behind it or you didnt bleach it enough. I do my showers in two days to let it dry out properly. Some silicone is just shitty though.

>>49476778
I grew up in an upper middle class home, my dad still refused to let anyone work on his car (audis always). Most boomers know how to do this shit, from unclogging a drain to swapping brake pads. Doing cv joints or bushings I think is a bit over the top for most. I changed my first alternator at 17 using youtube and no help, get motivated.

>>49458709
>>49458925
My shower is sealed with mold

>>49479116
Okay dude if this is real, black mold is bad for you. Buy bleach and a spray bottle and if you can afford it spore/mold killer.

1. Bleach the fuck out of it, 50/50 with water. Let is sit 10-12 hrs keeping it wet.
2. Rinse wash and scrub nylon brush
3. Repeat until not black
4. Spore killer
5. Remove what might be silicone
6. Bleach again
7. Rinse again
8 dry for 24-48 hrs
9. Re silicone and fucking clean it once and a while

>>49457023
>video games ($70 at full price)
>vaping/cigs/alcohol
>sub services
>plastic figurines/overpriced merch
>overpriced tech they don't actually need or utilise

>>49479246
But then my shower wont be sealed. My shower was leaking through the walls and getting the baseboards on the other sides wet before the mold sealed it.

Is the dark gray mold on all of my air conditioning vents black mold? Pic related

>>49457082
This is boomer advice.

My time & peace of mind is worth more than any of these things cost.

But if you're truly broke then you should probably do these things yourself.

>>49457082
>save $20 on changing car oil
>spend like 30 minutes doing it
>lose $285,000 in Bitcoin over the past few months
>but hey, I saved $20

>>49479723
yes you fucking retard, you are literally shaving years off your life every day you live in that shithole. Kill the mold and use some fucking silicone sealant to patch the holes jesus fucking christ you live in an army barracks or what?

>>49457102
work harder

>>49476245
I might die of mercury poisoning but at least I don't blow fucking 20k a year on Uber eats like a retarded fucking millennial nigger

>>49458670
>silicone to clean a drain
lmao chudcels everyone

>>49472524
>>49472201
Sorry but you missed the point of the post. Perhaps I wrote it poorly.
Sure I exaggerated a bit, but the idea is that the biggest waste will likely lie with the biggest expenses. People take these things for granted despite going out of their way to chase frugality in the smaller expense categories. The opportunity cost is more than their savings.

>>49480677
Well then I'm screwed because this mold has been in/on my AC vents for 15+ years and all in my shower for about 8 years

>>49480974
dude.... clean that shit up

>>49480974
https://www.black-mold-guide.com/effects-of-black-mold.html

>>49475174
https://www.youtube.com/watch?v=vaVrNZa_Rco

>>49479723
Its hard to tell the mould type from a photo but certainly isolating your leak and repairing is imperitive.

A few things could be happening here. The wood in your walls is probably swollen up sealing gaps and festering with mold, beyond potential for rot, mold should always be taken seriously. I would consider looking into your ventilation situation before tackling the mold as its certainly contributing. Is the vent clear and moving air? Can a more powerful fan be installed?

Once the shower is cleaned im willing to bet a good week of drying without silicone is required or its just going to come back. Sorry for the bad news, but definately this isnt something you should ignore for your own health.