/biz/ - Business & Finance

"free"

>>53677715
Stop focusing on "saving" money and focus more on increasing your cashflow. If you make 10k/month you don't give a fuck about pinching pennies, not buying your daily coffee will not make you rich. Obviously if you waste money on dumb shit tighten up but cashflow>saving

>>53677741
>Stop focusing on "saving" money and focus more on increasing your cashflow
How do i do this if i am a talentless, skilless adult loser?

>>53677715
I just don't buy anything randomly
but I make enough that I don't really think about it much.

when I put money into investments I'm basically taking it out of my "spending" pool anyway

>>53677715
Wouldn't the smart thing be to give each of them a different birthday?

>>53677777
Doesn't matter how many digits your income is, you can still WASTE them.

>>53677715
no, the best way to save money is to get a better job and avoid lifestyle creep at the same time

>>53677741
only partially right.

cash flow without a proper investment strategy is capital wasted.
savings accounts especially in the US are brainless as the interest rates are below 1%.
savings accounts in places like Uruguay are actually smart as interest rates are near 8-10%

what separates the avg man from the rich man is the simple matter of HOW they use money to work FOR them as opposed to doing nothing like sitting in a US bank.
if you arent investing upwards of 70% of your income into crypto right now you are a retarded manchild who is about as financially illiterate as Jim Cramer or Dave Ramsey

>>53677773
If you live around a major city, see if there are any paid consumer studies you participate in. We have Curion, Jackson Associates, Compass, and CIC in Atlanta. I made $6000 from them last year just by sampling and rating random foods and drinks.

>>53677837
Oh also if you want to go deeper here's some more info:

>>53677837
Sounds too good to be true desu

>>53677715
>Don't forget your birthday slop!!!

>>53677715
I can tell the time down to the minute, so I don't need a watch anymore.

>>53677777
>>53677800
>>53679633
out of the way niggers, this is now a get thread

>>53677715
>cooking at home instead of food delivery
>not buying useless consumer shit like funko pops or the newest tech every year
>no subscriptions (there are other ways for free stuff)
>fixing broken stuff myself

these things save me a few hundred dollars per month

>>53677741
Interesting
Kinda like what's more important
Calorie deficit or working out

>>53677803
70% ?
WRONG
T
F

>>53677741
Keynes stranglehold everybody

>>53677741
This

>>53677741
This is why we have retards making $200k/year living paycheck to paycheck.

>>53677741
>$120k/ur not giving a fuck about budgeting
Anon, I...
I do agree though. Avoiding wasteful spending is super important but it only gets you so far.
It’s better to save 20% of income at $500k/yr than 100% of income at $30k/yr even if it’s far less efficient

>>53677803
>put all your money in a uruguay bank
>monthly socialist revolution happens and they appropriate your western pig dollars
whoops no more money

>>53677715
I cant stop wasting money on taking cabs
I blow like $20-40 a day on cabs
I works out to like $8-10k a year. But in my city car insurance is like $3k a year and then you gotta consider the cost of the car itself, gas, maintenance.
Then there's the whole hassle of parking and dealing with other drivers. For $10-20 a day the luxury of getting to take a nap and wake up at work in 15 minutes is worth it.

>>53677715
Each money I limit myself to a certain amount of "random" expenses each month, which is everything that is not rent, utilities (incl. cell), and car insurance. Currently, I made about $7,000 a month post taxes, and allow myself $900 of "random." This could be anything from gym membership, to banjo lessons, to eating out, to a case of beer, to some product I buy. I used to be in the bad habit of seeing some product, then just immediately buying it. Now, when I want something, I write it on my "Buy" list, in the small notebook I also use for daily To Do lists. If I do buy something from this "buy" list, then the rest of the month, I need to spend less on other "random," to still keep within my limit. This lets me buy things, but in moderation.

Also, keeping my rent cheap, either from roommates or cheap apartments (usually further out in the city and smaller, perhaps in a higher crime neighborhood), has saved me a ton. The difference between $900 solo rent or $400 roommate rent versus some bougie $1,600/month place is huge.

>>53677715
Eating real food (from ingredients that don't need a nutrition label) amd never eating at restaurants saves me a crap ton of money.

>>53680197
Ride a bike, you fat fuck. You can buy a top tier mid 80's Japanese double/triple butted frame road bike for $150 to $400. All repair can be done yourself, easily, using cheap used parts from your neighborhood bike coop. Every time you travel, you get free cardio and a nice dopamine spurt. Biking is also refreshing and freeing from the usual drywall confines.

>>53679633
Where's the info bro

I make 225k a year I dont bother with this penny-wise pound-foolish shit

>>53677741
"Increasing cash flow" takes time, effort, and usually skills that most people don't have. You're right that you will not get rich doing this and there is a limit to how much you can reasonably save but for the vast majority of people cutting some discretionary expenses or just spending money more efficiently would go a long way in stabilizing their precarious financial situations

>>53677715
If you patronize the major goyslop chains get their apps. McDonald's throws free food your way all the time and there are sales they run only through the app. If you play your cards right you can often eat for less than the cost of cooking at home

>>53680274
>ride a bike
>get murdered by some fentanyl addled housewife because she was texting one of her baby daddies and didn't see the stop sign
nah im good

>>53677715
you can get free food every night from your local sewer
people literally throw that shit away

>>53680307
Once you get good at biking, you own the road, traffic or not. You learn to move with and through the cars, like water, so if a car suddenly changes its flow, you instinctively do as well, as with a changing current, and that's that. I love biking in the city, blowing through traffic, past buses, and it costs me nothing except the occasional $6 for a popped tube or $12 for a new chain. If you're that afraid, wear a helmet. In my 12 years of city biking, I have been hit a couple times (no helmet), usually my own fault, but it's never even resulted in a broken bone. Usually, just some painful road rashes and deep bruising. Stop being such a bitch, Anon.

>>53677715
I starve myself every other day because I can't afford to eat everyday

>>53680301
Nigga I was hooked on goy slop not that long ago and this sounds like a terrible idea for your health

>>53677715
Free goyslop, yaaaaaas!

>>53679660
Not at all. Here's a recent email from Curion. They pay us with Visa prepaid cards.

>>53679660
And this is a recent payout from one study I did for Jackson.

>>53677741
Within reason saving money is as important. I make ~70k wfh and its hard for me to get above that without giving up the benefit of wfh. So saving money goes a long way to letting me live a life I want

>>53677803
>if you arent investing upwards of 70% of your income into crypto right now you are a retarded manchild who is about as financially illiterate as Jim Cramer or Dave Ramsey

Based

>>53680273

It also prevents you from falling ill more often and just spending money to see a doctor in general. Its one of the most obvious red pills. Wholefood diets with high quality meats, fats, some veggies, fruit, dairy eggs etc Rice and potatoes are a staple too. I cook from scratch daily. I made a chuck roast the other day with bone broth.

I seared that bad boy on all sides for a few minutes and then steam pressured cooked. Used the broth to make some gravy with mushrooms and onions sauteed. Roasted potatoes and a small spinach salad.

Everyone says cooking is a waste of time but in the long run its a high ROI activity if done properly.

>>53680341

Bikes are great but if he is working in a highly professional setting where image is paramount then it will fuck his clothes, hair, and cause him to sweat most likely.

>>53680177
Eh I’ll only be out a few bucks.

>>53677724
"food"

>>53677741
income is taxed
savings are free

>>53677741
>10k/month you don't give a fuck about pinching pennies
Most human beings find out how to spend money as fast as they get it. This is bad advice. Learn to save first.
Frankly if you can't cook, you're poor in my book.

>>53677715
I bet most, if not, all these products were given for free after registering an account on their mobile app to redeem the birthday offer. No thanks, I will not give out any data, whether it's fake or real, to corporations for some freebies.

>>53680343
According to aging research you’ll live love laugh forever that way anon! https://lifespanbook.com/

>>53683064
But I want to die before I turn 30 though.

>>53677837
Literal lab rat lmao

>>53680802
>logging into a portal
>driving to some random place
>45 mins session

youre making like $20/hr at best unless you live right next to the place after factoring in costs, and its for a one off irregular type of thing. this is as much of or more of a waste of time than the OP pic. a job at mcdonalds mogs the shit out of this

>>53680341
Someone posted a webm on here one time of a cyclist getting sucked under a bus and the tire popped his head like a cherry tomato.

>>53677803
>retarded manchild
>crypto
ROFL
pick 2 fag

>>53677715
wonder how many hours they spent driving around, an dhow much they could have made if they just worked instead. If those were all in one or two shopping centers nearby then ok but fuck spending 2 or 3 hours out getting all that shit

>>53677715
I've never tried this before on zogchow and goyslop. My birthday is in a few weeks I need to plan this shit out.

In 2017 I would buy dollar pizza and bagels to live off. Every penny I saved I have now 20xed plus and that’s being relatively unlucky. All these mfs don’t get it
> buy your coffee and make more money
NGMI you need to learn the art of sacrifice and using all means at your disposal. Unless you have some stupid mental attachment you shouldnt be treating yourself if you’re broke. The whole idea is you should be so insanely ambitious and motivated that any single thing inhibiting your success should disgust you. So that’s going out for meals every night, buying coffees, basically living like a girl, start living like a Spartan and embrace hardship, it will make you tougher and your break even will be much lower, even if you’re broke before you know it you will have saved 10k which is above a lot of average wagies savings, then you start to invest alongside and compounding your income and using it to make moves for yourself

>>53680274

This. The bike pill is real. When you drive a car you envy others in nicer, better cars. When you ride a bike you envy no man. It’s like you are in on the worlds biggest secret. You bike to work or running errands and every trip is an adventure. You aren’t phasing out or in a mind numbing commute - you’re fully aware of your senses. Taking in your surroundings like never before, appreciating nature and landscapes you take for granted in a car.

Being fit and biking to work, passing overweight sally and Greg in their European copemobiles , stuck in commutes and hating their life, is the ultimate feeling.

The bike pill is so real that if you have to commute to work you 100% should bike (weather pending) and if you live too far away then either move closer or get a new job that’s closer. The bike pill is that real

>>53677796
They'll never believe a white man isn't carrying ID to prove it.
>t. got carded at a cici's

>>53677803

The reason uraguay pays crazy interest is because their currency is dogshit and inflation eats your earning

I adopt elderly and unwanted pets to save on my meat groceries

>>53677715
I actually save a pretty decent amount by having monthly Amazon Prime subscribe and save orders. You just need to fudge and shuffle items so that you're getting month after month 15% savings on all of the items.
Write down a list of regular purchases thing like shampoo or paper towels, buy them in large packs where available and sometimes hoard when necessary.
I also min max my credit card rewards. Have a Prime card, run of the mill card and a Amex Platinum. The Amex platinum pays you back in terms of rewards which ends up negating the price per year. I get Uber cash, my streaming services paid, etc. If you only buy as much on the cards as you have in your account and pay it off once the transactions settle you can exploit them for so many benefits.
For food items I go to the grocery store and every month they mail me coupons based on my purchases and I get a very small amount of cash back for gas.
When I go into the city near me or out to drink I take the metro for a few bucks even though it takes an hour because it beats paying $25 for every trip in either direction.
I also cook for myself almost always, I don't eat meat or dairy products so I just save tons of money eating grains, pasta frozen veg, etc. Padding your daily meals with ramen, rice and cooking deserts for yourself like Jello is really cheap. On an average day my food expenses are only like $6-7 factoring in energy drinks, coffee, etc. Avoid eating out as much as possible.
Also don't listen to the retards who are telling you to burn your cash on stupid shit. I used to be a personal assistant to a CEO and I guarantee you that outside of flashy shows of cash or social media zoomers who project wealth millionaires are the cheapest fucks on the planet haggling over everything and going to Costco and shit.
Also when you get things like research studies or Nielson surveys take advantage of them when you have time on your hands (like time you'd be posting here because you're doing bullshit).

>it's my birthday so I drove all around town spending my time and gas to get a bunch of goyslop
I value all of that food at like...$8, realistically. Only the sandwich, wings, and maybe whatever Moe's is are worth eating. How is this worth doing unless you're actually homeless?

>>53677715
here is a bunch of shit you can do to save yourself a couple bucks
>cook mostly at home
you spend more money eating out than you should, especially at work
>stop buying shit you don't actually need
cut down on energy drinks, cigarettes, weed, what-have-you
>do not pay for subscriptions if you dont use them
stop paying for normie autist streaming services
>check what you are paying for at the end of the month
check your phone bill/electricity etc, to see what you could save money on

this isn't pinching pennies, as much as it is just unfucking your unnecessary spending, which always benefits you.

>>53679660
i got a $250 prepaid visa for 2 hour us mint survey in san francisco about the 250 year US centennial coming up special gold and silver coin designs (i had bought something from the mint a year ealier). ez money.

>>53677715
iHOP free veterans day pancake stacks.

Thank me for my cervix

>>53677715
>let’s their cat on the table
fucking reddit

>>53685266
Having a company vehicle is the final redpill

ill bet they would have come out ahead making 15 bucks an hour and just buying that stuff compared to driving all over town.

do a budget. watch the big expenses, where you live, car, and insurance costs. allocate fun money in a budget per month and don't ever go over it, wasting money on stupid bullshit isn't a problem in moderation. its a problem when you blow every last penny every month. invest in RE and a low fee index fund.

>on track to retire early 40s

I'm gonna go hardcore and just eat rice and beans forever and be very cheap. I'm starting to not see the point in buying stuff anyway. It's always underwhelming.

>>53686219
this is (you)

>>53686286
what does eating rice and beans and not buying stupid shit have to do with overworking?

>>53686301
i m wasting my time on you. just KYS already

I spend $500 on groceries every month for myself...

>>53680274
Until you get hit by a car driven by a vax maxxie looking down at their phone while their stroking out

>>53686389
you're quoting npr of all things? also, just throw in some veggies every now and then. take vitamins. >>53686398
that's too much

>>53685266
But when karen crashes into you with her prius you're gonna die

>>53686042
>millionaires are the cheapest fucks on the planet haggling over everything and going to Costco and shit.
This. Limit the microtransactions to nill to immediately improve your financial situation

>>53686402
*they're
srry

>>53680274
I saw this one webm of a guy on a bike who got clipped by a bus, went under it, and exploded like a watermelon. I'll never ride a bike in a city setting

>here's some free goyslop

>>53686389
You know that entire civilizations have survived famine on those perfectly fine right? You're not going to die if you eat some rice and beans every day.

>>53686405
I like to cook everyday so it adds up.

>>53686405
First google result. ask your parents. they will probably tell you the same (hopefully with KYS too) Pic is the real reason why you don t eat meat

>>53686490
survive famine. not going to die....good spirit anon !

>What deals do you utilize to save money?
I don't date, I won't marry, and I will never procreate

this thread is amazing...i stop taking shower to save money. give me your amazing trick now

>>53677803
>70% of income
Let's see...
>rent: 30% of net
>bills: 10% of net
>groceries: 10% of net
Just from those 3 my income is already 50% spent. And that's assuming you meant net income, because the taxman takes 35% of my gross before I even get my hands on it.

>>53677741
NGMI

>>53683708
Factoring in what costs? I drive an electric car so gas isn't an issue. Neither is time to drive there and back since I do this during the day in my free time when I wouldn't be doing anything else and they're very close to where I live. I consider it fun and an easy way to bring in $500+ per month.

>>53681976
they already know it all anyways

>>53685266
Saar I live in tropical shithole with mean temperature in the 32 degrees. You want me to die looking poor bloddy bich???

>>53677715
this post is gold. I drin piss to save water. Full biz spirit

>>53677715
I invest 40% of what i make into crypto assets like QNT,ALBT and BTC.

>>53680341
pastaworthy and saved

>>53685266
bike pill only works in a city where there is both a grid neighborhood street layout (cut through neighborhood, save time, avoid traffic) and a grocery store within 1 mile. Thats how I've gone for close to 6 years on the bikepill. heck on heavy traffic days, I travel faster than cars, traffic has no effect on my times.

>>53677741
I'm a millionaire that spends 10eur a day on coffee with my gf. That shit adds up to 3.5k a year and it pisses me off.

>>53677715
He must be chinese because he's eating a cat.

>>53689141
>not using pastaworthy
wtf are you doing

>>53677773
learn trading, not crypto, but forex/cfds

>>53677777
Substantially checked.