/biz/ - Business & Finance

Lrn2repair your shit. Seriously, you can save thousands just watching YouTube videos. Learn to repair your phone, small appliances, basic car maintenance, etc.

>>49774688
But you need 50 different special tools to fix a footwarmer

>>49775390
Start with something simple and work your way up. You don't and probably won't be able to fix an iphone but anyone can do basic work around the house or do an oil change.

Get the morning hours suscription at the gym. You can go in at any time they don't check.

Just got a new job so I can invest in the materials needed to DIY a pair of high ROI kneepads.

>>49775390
>I can't fix a foot warmer so I'll pay someone to change my oil and clean my gutters
Pathetic. I'm far from a handyman and there's a good chance in clinically retarded but even I can use some basics tools and save some money.

>>49774632
Start here

>>49775576
>Implying I'd hold a house or car in this kind of market.
Maybe you should make sounder financial decisions and you could just buy a new footwarmer

My grocery store had 60 chicken hearts for $3.40 yesterday
They're more nutritious than chicken breast and far cheaper

https://www.youtube.com/watch?v=UKfmRhfuI8g

>>49774632
Cook from scratch. Stews, pasta dishes, broth from saved meat bones and veg scraps, shortbread and brownies from scratch for dessert.
Repair your clothes. Learn to sew a button. Learn to tailor. Old clothes too worn to wear get cut into rags.
Grow your own herbs for cooking. Extra vitamins and health benefits plus store-bought can be expensive.

Take the ChrisFix pill
https://youtube.com/c/chrisfix

Grow your own veggies. I’m not talking about full on self reliance (though that would be nice), but you know, tomatoes, peppers, carrots, potatoes etc. that way all you are spending on at the store is meats and dairies.

>>49774632
you don't actually need to change your oil. it's a scam perpetuated by big auto

>>49774688
>>49775576
Dude only poorfags fix their own shit. I buy services because i can

>>49778011
Yeah, ok. That’s a quick way to kill your engine non-mechanically inclined anon.

Grow mushrooms and sell it to hippies. Costs almost nothing and gives a ton of cash.

>>49777879
Based heart eater. Wrap ‘em in bacon for a real treat.

>>49778040
>t. (((mechanic)))

>>49778023
Thank you

T tradie

>>49774632
wear your underwear inside out to maximize underwear yield by 100%

>>49778148
Kek

Line-dry your clothes so you don't get gouged by the electricity jew

>>49776703
My car and house have both been paid off for ages, thanks for your concern in these uncertain times.
>>49778023
Honestly it's for the satisfaction in knowing I can do it and am not completely helpless, they'll be times when you can't call someone for whatever reason, I'd prefer to be in a situation where I can fix a leaky pipe or get my car started than just sit there and cry.

I haven’t ate out for a few months but I spend about $200 on groceries $150 on gas monthly. $60 dollar phone bill and $500 car insurance every 6 months. Car is paid off, I live with my dad so no rent expense. I make about $5k a month but is there anyway I can save more money or should I just try and get a higher paying job. I also get $1500 a month in tax free disability plus free healthcare/medicine from the VA. (i’m sure if I reapplied I could get the max amount of disability which is $3500 a month plus dental and vision, but it would make me feel like a welfare leach so I don’t know)

>>49774632
Go to Aldi's and return all of the carts in the parking lot. You can usually make a dollar or two in 10 minutes.

I‘ve been very /frugal/ for the past 6 years. Here are my thoughts and things I do, it might help some of you dudes. It helps me saving 60% of my income despite having an absolute shit wage here in taxrapistan (Germany)

>small flat shared with gf
>embrace minimalism
>straight up steal groceries (weight and pay 3 bananas but take home 4.. it’s a victimless crime, call it personal inflationary adjustment)
>no car obviously, public transport only
>not regular public transport but the student version. You‘re not a student? Neither am I kek, just enroll in Uni. This way my transport comes out to 50€ a month which is alright here
>switch your electricity / internet / gas etc. provider every year. Saves you hundreds.
>drink tap water if it’s drinkable in your area. It’s the best thing for your body mind and soul, it’s almost free and you don‘t give in to the soda scam.
>cut your own hair, experiment or just buzz, either is fine for a man of confidence
>buy single razor blades instead of those Gillette bulshit scams. Also just buzz if you can rock a beard I guess
>if you need new cloths buy from Vinted, Ebay or similar, always negotiate.
>learn to cook, I haven’t eaten outside meals in more than 5 years and I’m fucking healthy
>do cardio, it’s free and important for your soul
>quick showers cold, it’s odd at first but starts to feel great after a few weeks. It saves money and improves health. Maximum 3 minutes, it’s cheaper and better for your skin
>use apps like to good to go and similar, you‘ll save a lot on groceries in the long run
>when commuting with public transport, use your time for Surveys on your phone. Call me insane but those dumb Surveys net me around 100€ a month. That’s twice my commute costs. I basically get paid to go somewhere instead of sinking hundreds and hundreds like most people.
>obviously no Netflix, use streaming sites for free. I‘d recommend one but these links are usually prohibited here
>books? Library

>>49774632
If you have a shitty local bank paying 0.001%, open an online bank to keep cash at at least 1%

>>49778555
give me the survey websites

>>49778589
bro my credit union gives 3% but I have to do like 12 transaction a month and have 1 automated payment which is easy as shit to do I just buy a soda from a vending machine or some other low price item to build up those transactions and use my 1.5% cashback credit card on everything else

>>49778736
I use pollpay mainly, then YouGov and then AttaPoll. rarely good Surveys on the weekends but plenty over the weekdays. Sometimes you have to do cheap ones to get to the better paying ones.

Paying for almost everything with a credit card and paying your credit card bill with a cashback debit card.

>>49778830
based, how old are you?

>>49778870
27 right now. Fucked up selling 2017 and ducked up selling again now. Still in 6 figures so maybe I’ll make it next run.. had sell orders set up but they were missed just barely. So I’ll continue to live like this till I’m 30 at least and then see where life is going

>>49774632
Here are some habits I picked up and kept during my NEET life, I work a wagie job right now and I manage to save about 2/3 of my below average pay thanks to it.

>no more sodas, soft drinks and alcohol
All you will drink is water from now on, preferably tap water, assuming you don't live in a third world shithole and tap water in your place is actually drinkable. If you are some dirty third worlder you'll have to buy your fucking water like the animal that you are, maybe try not shitting in the streets so much. If you really need a flavor in your drink get some tea or milk. You are not allowed to add anything, especially sugar is off limits fatass.

>no more restaurants or ordering food
You'll cook for yourself as much as possible, >>49777964 gives great advice and you should listen to all of that. I allow you to not make noodles from scratch as a time saver, but making them yourself would be way healthier.

>eat lots of fresh vegetabiles and fruits and be a based organ eater like >>49777879
all that stuff is cheaper and way more nutritious than the twenty kilos of deep frozen chicken tendies you eat every day, fatty.

>no monthly online subscriptions to Jewflix or any of that shit, no buying video games retard
If you absolutely need to play a video game/watch a series (you don't, but I guess you are an addicted consoomer) you of course pirate that shit, you'll learn how to if you are not retarded. Same goes for books, just go read the sticky on /lit/ and never pay for a book again, if you really need a physical copy of a book, buy it used or get a membership at your local library which are dirt cheap anyway, in my town it costs €15 for a year.
>inb4 I don't like reading
You do now, it's your new hobby, you should read more, especially if you don't want to dummy.

>>49779855
>don't have hobbies that need a ton of expensive equipment/memberships or entry fees.
For example a real expensive hobby would be skying or golfing. A cheap hobby would be running, you can run basically anywhere and all you need are some decent running shoes and some cheap sports wear. Also you can buy some dumbbells and maybe a pull-up bar (or use a tree branch) used very cheap and you can start doing a whole workout routine just with these two. Also I agree with >>49778555 on cardio, while muscle workout will give you a better physique, cardio will give you mental gains. It's hard to describe for me, just do cardio.

>Cut your own hair
"but anon I can't do that" just shave it to 1mm, no hair isn't why you can't get a gf, ugly. I saved hundreds of euros already, because I stopped falling for the, "that's € 20 plus tip", barber-jew. Seriously fuck barbers.

>Only have a car if you absolutely need one.
Cars are expensive as fuck, especially with the gas prices right now, but there is also repairs, insurance and of course the initial acquisition cost.
>inb4 muh car gives me muh freedom
Congratulations you fell for the marketing, also instead of a car you should walk or use a bicycle, because you will burn calories and we both know you badly need to lose a few hundred pounds, butterlord.

and finally if you want to buy some useless piece of shit, just ask yourself the flowing question "Do I really need it?" If you are being not a faggot and honest with yourself the answer will almost always be "No" and then ask yourself why you feel the need to buy useless shit. Being a Boomer-consoomer won't bring you happiness, just so you know. You'll keep buying shit to fill the void until you die angry and alone.

>>49779855
>>no more sodas, soft drinks and alcohol
Can Do

>no more restaurants or ordering food
Can Do

>eat lots of fresh vegetabiles and fruits and be a based organ eater
Can Do

>no monthly online subscriptions to Jewflix or any of that shit, no buying video games retard
Can do, already a piratefuck

>inb4 I don't like reading
I do

Good thing is I already have a big collection of games, books and shit to go through.
My issue is I vape, which is a total waste of money and a bad addiction which I want to drop.

>>49779881
>>49779923
Don't have car, hobbies are free.

I've always been a jew turns out.

>>49779923
Very based overall I would say anon
>My issue is I vape, which is a total waste of money and a bad addiction which I want to drop.
It's not that hard anon, just stop. I used to smoke cigarettes. Just don't buy it anymore. The moment you are about to buy it I want you to stop yourself and remind yourself that you actually want to stop. It will be a struggle for some time but eventually you will get over it.

>>49778589
>open an online bank
who do you recommend?

>>49780113
Will try king.
I picked it up during the most stressful time in my life, felt completely broken and weak.

I've picked myself back up, just a bad bad vice I held onto.

>>49780202
Ally or Marcus.

>>49778460
Take what you get moron

>>49774632
Thinking about joining the military, unironically. Get a comfy air force position. Meme around for 4 years. Minimal expenses. Is it worth it anons? I feel like the current economy makes it the best time to join.