/biz/ - Business & Finance

[Anonymous No.14015806]

Frugal tips? Let's talk about something other than crypto for a minute

[Anonymous No.14015818]

>>14015806
NO

[Anonymous No.14015827]

>>14015806
Buy essentials in bulk and make sure to budget your money.

[Anonymous No.14015828]

>>14015806
no

[Anonymous No.14015831]

Fuck you, you degenerate piece of shit.

[Anonymous No.14015837]

>>14015806
https://youtu.be/bC2DcpLRTj4
Unironically got redpilled on shaving by ranjay

[Anonymous No.14015835]

>>14015806
Just don't be a retard and buy things you don't need. Learn how to cook if you don't know how. Don't increase your spending just because you increase your income.
And for the love of God don't get married.

[Anonymous No.14015847]

also, being frugal is a poor fag habit. focus on how you can grow your earnings, not on how you can limit your spending.
there is only so much you can skimp and save. there is no limit to the amount of money you can make though.

[Anonymous No.14015871]

Wash your clothes in the shower

[Anonymous No.14015875]

>>14015847
which is to say... instead of focusing on how you can save another $100 a week, focus on how you can make another $100 a week.

[Anonymous No.14015891]

>>14015875
Spending less = more money to invest.

[Anonymous No.14015904]

How do i get better at budgeting

[Anonymous No.14015910]

>>14015806

Linkies, i ordered a Sergey Nazarov real doll fat version, 34cm penis.
Now i'm thinking to sell it away, msg me for further info

[Anonymous No.14015916]

>>14015806
>dont have kids
>save, then spend the remainder, then save the remainder of that
>most importantly: dont be born poor.

[Anonymous No.14015925]

>>14015806
my jewish parents taught me everything i know, ive since converted to islam.

[Anonymous No.14015929]

>>14015891
sure thing poor fag. I'm not suggesting you spend more than you have or buy things you don't need. what I'm saying is it's smarter to focus your energy on earning more, not saving more. people whose attention is consumed on saving money never have enough. it's a poor fag habit

[Anonymous No.14015951]

>>14015806
unironically bagged lunch, can eat for $2-$3 a day

[Anonymous No.14015956]

>>14015806
Don't get married until you're safe to bleed cash (all debt gone, emergency fund etc)

GF / marriage is great, but get the financials taken care of first

[Anonymous No.14015958]

>>14015806
Unplug absolutely everything that is not in use. Lamps, phone chargers with no phone plugged into them, unplug your PC and router/modem when you're at work, unplug television when not using it, just anything that is plugged in when not in use

Run your washer on the lightest (shortest) setting. Instead of laundry detergent (expensive), use a quarter cup of borax and a quarter cup of white vinegar. Let the wash tub fill to the top and let your clothes soak for 5 - 10 minutes before washing. Cut dryer sheets into 3rds. Run your dryer on the lowest heat setting. Use ONLY cold water to wash clothes.

Turn your current refrigerator and freezer settings to half of what they are now. Lower the thermostat on the water heater 5 degrees. Avoid using central A/C and heating as much as you possibly can. A window unit and strategically placed fans will go a lot, lot farther than you think.

Maximize power savings on your PC. Screen set to dim after 3 minutes, turn off at 5 minutes, standby at 10 minutes.

None of you fucks will do any of this because none of you own your own house or do laundry or cook or clean or any of that.

[Anonymous No.14015965]

>>14015806
s o y l e n t is a cheap way to replace a meal and get a lot of nutrition. the powder, not the ready to drink stuff
not even memeing

[Anonymous No.14015966]

>>14015904
Use a tool, track you expenses, make realistic budget estimates and reduce unnecessary costs, improve over time, BOOM

[Anonymous No.14015972]

>>14015835
>And for the love of God don't get married.
unless you are marring for money

[Anonymous No.14015981]

>>14015958
imagine putting this much effort into 'saving' $20 a month.

[Anonymous No.14016007]

>>14015958
noted on the fridge settings
t. $15 water bill, $100 elec bill

[Anonymous No.14016070]

>>14015958
>saving $10 a month which translates into a lower quality of life that diminishes your ability to perform well at a job or advance yourself
>net negative loss $10,000+ easily
Kek I love how peasants think.

[Anonymous No.14016073]

Savings will go further than earning because of jew taxes.
If you cut spending by $100, that's an extra $100 you can invest.
If you earn $100 more, that's an extra $70-$80 you can invest.
The takeaway is keep your ongoing costs minimal but don't ruin your life over it, keep your focus on earning more.
Value your time, be more willing to spend money on things that save you time, especially if you can use that time to make yourself more money, or if you're using that time to invest in yourself.

[Anonymous No.14016087]

Use a high yield savings account. It's free risk free money.

Buy your white monsters in bulk from Sam's/Costco instead of paying more than $2/can. Bulk buy non perishables (this includes frozen food). Use Aldi/ruler foods/discount groceries for staples

Grow your own herbs, they're a fucking ripoff to buy fresh.

Pack your lunch wagie, don't give money to Jimmy John's

Hit up thrift stores for clothes. Buy most of your non consumables second hand.

Drive a relatively modern shitbox like a carolla/civic. Luxury cars are for conceited fags.
Don't think of a house as an investment, it's a place to live, not very liquid, and a pain in the ass if you do sell it.

[Anonymous No.14016199]

>>14015806
>Move out of high cost of living areas
>Use simple.com bank to budget
>bag lunches/never eat out
>don’t get raped on utilities
>Get 8 hrs of sleepy every night. Helps reduce impulse purchasing.

Aside from that, Housing, utilities, groceries, and gas will eat up most of your budget. Don’t waste time trying or make yourself miserable by trying to cut out tiny ass recurring expenses. Move to a low-rent mortgage area is way more effective than switching from Verizon to Sprint (for example) Some things are worth the premium you pay for them.

[Anonymous No.14016214]

https://beta.forkdelta.app/#!/trade/0xb108c02a74e525ab0a59ccd3d208d2de4699a055-ETH

>not buying TRUE for 61% cheaper than other exchanges
>Doesn't know how to use real decentralized IDEXs
> Not shorting OKeX
No wonder you're poor

[Anonymous No.14016220]

>grow your own weed on window sill and buy portable vaporizer to cut expenses for entertainment by 99%
>drink only clean water
>do water fasts
>only one big meal per day

[Anonymous No.14016236]

>>14015806
Also it should go without saying that you should get out of any retard debt you have
>Car loan
>Credit Card debt
>Student loans
You’ll unironically never make it if you have any of that shit.

[Anonymous No.14016293]

>>14016073
>Savings will go further than earning because of jew taxes.
bullshit. there is a hard limit to the amount you can save, and that is 100% of your earnings.
there is no limit the the amount you can grow your earnings though.

[Anonymous No.14016386]

>>14016293
t. nigger tier reading comprehension

[Anonymous No.14016402]

>>14015956
Also in case any one was wondering... Yes, these were real numbers from having my GF move in with me in 2016. the slope of the line was average daily rate of savings after all expenses and spending.

Despite having an additional income to split rent & bills, my savings rate decreased from 36 $/day to 24 $/day.

Having a girlfriend literally cost me ~14 $/day, and now that she's my wife I know that number is worse.

It's worth every penny, but if I could do it again I would have worked myself out of debt first.

[Anonymous No.14016502]

>>14015875
Both is best.

[Anonymous No.14016530]

>>14015806
Use Groupon for dates, spa days and fun things to do.
Buy an instapot.
Cook large portions of meat, chili, and buy packs of chicken breasts and chicken thighs for cooking.
Get a discount on anything.
If you can find a small blemish on an item at winners bring it up at the cash register and get 10% off.

[Anonymous No.14016552]

>>14015806
Use kajiji. We got a massive t.v cheap.
Only new money and poorfags buy everything new. I know billionaires that get things uses in great condition. This is especially good if you get a baby.
Network with friends well. Baby shower will be flooded with gifts and you'll save huge amounts of money with that when you start a family.
Save all that stuff so each child is cheaper.
If you're white make sure you have a minimum of 3 kids to replace yourselves and boost the population with the third.

[Anonymous No.14016578]

>>14015806
Kill credit card debt
Stop bleeding money in interest and fees.
Boost your credit by putting 1-200$ a month on bills and things you need to pay off in full every month. 0 interest 0 fees.
Pick credit cards wisely. Get a good score so you don't get one with a yearly fee.

Only buy what you need.

[Anonymous No.14016591]

>>14015806
Get a costco membership. It's well worth the cost.
Make meal plans and a budget
Make sure you have a minimum of 3 months living expenses saved and don't touch it. Add to it once you get more money.
Don't buy huge items until you have that at a minimum in your bank.

[Anonymous No.14016595]

>>14015806
i wish i could fuck this cartoon woman

[Anonymous No.14016610]

>>14016220
At my local food lion they do managers specials on the meat weekly which cuts the price by a third of you're looking to grill. Also, watch for when your neighbors grill out so you can sneak on their porch and use their still hot coals

[Anonymous No.14016619]

>>14015965
Onions.
Lmfao.
Poor flags meal plus all that onions.

[Anonymous No.14016657]

>>14016619
Why did onions autocorrect to onions? Wtf

[Anonymous No.14016679]

>>14015827
>Buy essentials in bulk
this, shop those discounts.

[Anonymous No.14016688]

>>14016502
this

[Anonymous No.14016848]

ALWAYS pay in change

[Anonymous No.14016979]

Have job

[Anonymous No.14017040]

>>14016657
Get out newfag. You can't use onions here.

[Anonymous No.14017059]

>>14017040
Mmm...
Onions
Soi
s o y
50Y

[Anonymous No.14017153]

Rice, pasta, chicken breast and pork are usually dirt cheap. Cut out streaming services altogether if you can. Quit smoking/drinking. Don't be afraid to buy short-dated items at a discount at your grocer. Grow a garden if you have land. Save and use coupons. Don't go to college, go into a trade instead. Buy what you need, so you can afford something you really want when you can afford to do so.
It's not hard, but zoomers have no impulse control.

[Anonymous No.14017211]

>>14016087
>white monsters
How about not buying your sugar water, at all?

[Anonymous No.14017244]

>>14015871
i get this reference

[Anonymous No.14017248]

>>14016087
agreed on everything except
>Don't think of a house as an investment, it's a place to live, not very liquid, and a pain in the ass if you do sell it.
this is dependent on where you live and not applicable in all states/counties/towns, even. Helps to know people and have friends and family in real estate to help you sell and move quickly.

[Anonymous No.14017296]

>>14015837
quit shilling your video

[Anonymous No.14017327]

>>14015958
All of this is pointless. This is just being more jewish than an actual Jew. It's chasing pennies, when you should be chasing dollars.

[Anonymous No.14017348]

Take pets from areas near me, wait for owner to post reward. Easy money, most time they also pay extra for food etc.

I have usually 3 or 4 dogs at one time, one week i made over $1000 as one owner paid $500 for her doggo, plus gave me another $200 tip. kek

Luckily I have large field behind my house where they can run and fuck around at night they in my garage.

If after two weeks the old stingy bastard doesnt offer reward I just take doggo back and leave it near where i picked it up.

[Anonymous No.14017360]

>>14015837
his English is kinda remarkable for a pajeet desu.

[Anonymous No.14017459]

>>14017211
>sugar
he doesn't know
*sip*

[Anonymous No.14017482]

>>14015806

Most frugal stuff is insane. Here's some simple stuff everyone should do:

> never finance a car (unless they offer 0% financing without fees). Always pay cash, even if that means a $2k old honda civic.

> don't eat out. If you spend $25 a week eating out, that's about $1,200 per yer you're wasting

> when you buy food for your home, buy fruits, vegetables and whole grains. Everything else is overpriced AND bad for you

> If you date, don't spend a bunch of money on the woman. It should be 50/50. And if it's a dynamic where you HAVE to spend money on her to get her then the situation is prostitution ANYWAY and you should just start fucking whores from seeking or something like that. Then budget it and get your cock off when you need to.

> If you're renting, don't get an overpriced apartment. Look around for someone who is renting a room in their basement or something like that. $500 a month is a lot better than $1,500 a month. Consider the extra $10k in your pocket at the end of the year and how you could buy a house with that money as a down payment

That's pretty much it. If you're not self-employed or have your own business, then you probably should. The ONLY reason to work for someone else is if they are paying you very well. I know guys that do landscaping and make $60k a year. It's all about doing something well, then pushing your business cards and word-of-mouth FUCKING EVERYWHERE. Wrap your car and get a website.

Godspeed Spiderman.

[Anonymous No.14017519]

>>14015958

> Unplug everything

I read a long study on this. Most appliances that are "off" aren't pulling any power or if they are it's like 1 penny per day. The guy even used a meter to test all the appliances in his home.

I do agree on A/C and refrigerator though. A/C uses a LOT of power.

[Anonymous No.14017522]

I replaced expensive solid meals with onions for 2 of my 3 meals a day.

[Anonymous No.14017613]

I eat once a day maybe twice max, don't fall for the 3 square meals scam, this is a modern concept to sell more product.
The ancient greeks and Romans all ate one large meal a day during the afternoon, as do
Primitive hunter gatherer societies.
Your just supposed to eat when your hungry, when you're used to eating so much you will get hungry at lunch time, but your body gets used to it.

Easy way to save 66% of your weekly food cost.
And beneficial for all you fat asses to lose weight in the process.

Bonus -fasting is fucking amazing for your body and health

[Anonymous No.14017646]

Don't pay bills late (and NEVER ever eveeeeer pay CC bills late!), so many people get fucked up the ass by this much more than you'd save by wasting all your precious time living like a fucking pauper like so many of these posts suggest.

[Anonymous No.14017805]

>>14017459
>>14017248
I'm trying to take anons advice and I didn't buy a white monster today T_T
I felt like shit all morning.

[Anonymous No.14018195]

>>14015806
Look at the BLS numbers to check whether your budget is reasonable vs. other people in the same salary range and household size.

[Anonymous No.14018238]

>>14015827
>>14016679
almost always a good idea, but careful not to overextend too

sometimes it's best to not spend money until you have to, something I've learned in the restaurant biz - buying too much of something ties your money up, money that could be used for something else

so keep both in mind

[Anonymous No.14018258]

try not to spend as much money
at the end of the month, you will see that you have more money, because you didn't spend it

[Anonymous No.14018260]

>>14017348
fucking based

[Anonymous No.14018285]

>>14017348
lmfao the dogs probably have a great time too

[Anonymous No.14018300]

>>14018258
>"why's there so much month left of the money, lol"
>start in February
>gain one day
>March appears
>months are getting longer
Demotivated.

[Anonymous No.14018320]

here is an actual tip, instead of just taking the shit from you goobs

stop buying energy drinks, instead, buy energy drink powders which you can mix into water at the potency you want, for like 1/20th the price, some of them are really fucking tasty and generate their own fizz

[Anonymous No.14018353]

>>14018320
Any recommendations or hyperlinks anon? I'm trying to get off energy drinks, but because of saving money not health.

[Anonymous No.14018377]

some basics that I used to neglect:
if you buy things for, for example, your place of work or your home where you live with your parents, get them to pay for it.. ESPECIALLY your boss (my boss actually gets kind of offended when people try to pay for things that he should be paying for) when it's not your responsibility, don't foot the fucking bill
don't let money burn a hole in your pocket.. don't guy buying some random shit calling it an investment, like "oh I might start a lawn business in 2 years so I'm going to justify buying this trailer and let it sit there and rust", instead just fucking pile your cash and let it get bigger and bigger
don't overpay for things to get them NOW.. be patient and make better buys

next time you have an urge to buy something, try not buying it.. wait a week and see if you still really want it.. and stay the FUCK out of convenience stores

the biggest thing is just to realize that there isn't much you can buy that is going to make your life any better, and you're better off just having more money

[Anonymous No.14018396]

>>14018260
>>14018285
They unironically do, i'd never actually hurt the doggos. I love animals and they get whatever leftovers are starting to go in the fridge

[Anonymous No.14018404]

>>14018320
Name some brands you like anon

[Anonymous No.14018438]

>>14016214
not getting scammed is pretty good tip

[Anonymous No.14019015]

>>14017059
_soy_

[Anonymous No.14019056]

Drink Coffee so you dont have hunger

[Anonymous No.14019142]

Fasting has saved me so much money in the long run.

Also home gym master race

[Anonymous No.14019250]

>>14015951
The fucking dipshits that eat out everyday

[Anonymous No.14019386]

>>14015827
>Buy essentials in bulk
To expand on this, invest in a freezer and buy your veggies/meat frozen in bulk. Only takes the foresight of planning your meal a few hours in advance to let your food thaw before you cook it and you will save 5-10x on groceries depending on where you live.

[Anonymous No.14019471]

>>14017348
I hope you aren't larping

[Anonymous No.14019510]

>>14015847
This is WRONG. Most wealthy people are cheap bastards and there is a reason for that. If you are an easy spender you are legitimately never gonna make it.

[Anonymous No.14019720]

>>14016402
Your girlfriend doesn't contribute anything?

[Anonymous No.14020128]

>>14017348
I want to believe.

[Anonymous No.14020151]

Thus I have heard some gentlemen urinate in the sink to save water, and some have been doing so for years, without their significant other having knowledge of this.

What a bunch!

[Anonymous No.14020299]

>>14019510
Eh. Somewhat. The key point is living within your means. Wealthy people I know still spend on frivolous shit like a 6 figure car or yacht or home theater. You know, shit that depreciates by 50% the moment you pay for it. But they have the income and net worth to afford that kind of shit.

Meanwhile, poorfags will buy a new phone, laptop, tv, and subscribe to more entertainment services every 1-2 years when they have negative assets and only make enough income to survive month-to-month.

[Anonymous No.14021176]

For the new fags that don't know the 4 channels has word filter censorship. You can't write these in the usual way:
S O Y
S O Y BEANS
T B H
F A M
What it comes out as:
ONIONS
BASEDBEANS
DESU
SENPAI

[Anonymous No.14021982]

>>14015981
this

[Anonymous No.14022024]

>>14015806
So do you cheap fucks ever get laid ever or do you just fuck a second hand used fleshlight you bought on Craigslist for $6 and sit in the basement?
>>14015847
This is correct. Focus on earning dollars not on saving nickels.

[Anonymous No.14022047]

>>14015806
be frugal and buy bitcoin at a discount -anything under $250,000/BTC

[Anonymous No.14022055]

>>14021176
tbhfam isn't censorship kek

[Anonymous No.14022679]

>>14015847
this is just dumb poor dad rich dad advice.
growing your earnings as a wagie is not possible. you can grow skill over time but promotions/hopping only come once a year max.
owning a business is a different story but the advice only applies if your customer count is actually growing and there is actually demand for you to buy a bigger warehouse. even for most people in businesses this is just generic stupid advice.