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/biz/ - Business & Finance


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22442554 No.22442554 [Reply] [Original]

lets get a new frugal/ money saving thread going. I don't care about normal stuff like growing your own veg, riding a bike to work or using coupons. whats the weird shit you do?

In the morning I shit just before a shower to save toilet paper and I piss and wash my hands in the shower to save water. I always shit at work. If I need another piss at home in the day I go in the garden, If I need a shit I walk to the Vegan cafe down the street and don't buy anything.

>> No.22442630

>>22442554
I changed every lightbulb in the house to LED, added half a brick to every toilet tank to reduce the water. Save every processor, ram stick and heat sync I find in the ewaste pile at the dump. I crush every popcan and save it to make money. I collect other people's empties.

>> No.22442769

>>22442630
do you strip the gold yourself? how much do you manage to collect? do you melt your cans down?

>> No.22443017

>>22442769
I take the cans to a recyclers, essentially I fill barrels with the cans and take several full barrels at a time. I've thought about making a machinen to crush them but that would probably cost too much money. I've been saving the ram and processors for about 20 years now and have never recovered the gold. I have 12 Intel Pentium Pros in my collection. I would someday like to recover all of the gold with acids etc. I also save graphics cards and motherboards with built in graphics chips because I know there is plenty of gold in those too.

>> No.22443051

I literally don't ever buy anything. My only expense after rent is food. Haven't bought clothes in like years

>> No.22443161

>>22442554
move to brazil
things are cheaper, people are friendlier, women are hotter
that's all

>> No.22443238

>>22443161
And you'll only get paid $0.2 per hour.

>> No.22443398

>>22442554
i eat at restaurants and claim there was glass in the food to get my money back

I sleep on a math on the floor and sold my bed

eat as many times at parent‘s house

i let my pee on toilet paper dry up and use it again

i grab food from the garbage of grocery stores after midnight

>> No.22443479

>>22443161

...and get murdered by a bunch of ahuehue monkeys.

>> No.22443585

>>22443398
dino tendies is that you?

>> No.22443902
File: 1.70 MB, 3264x2448, 20160704_212133.jpg [View same] [iqdb] [saucenao] [google]
22443902

I used to work at a gym on a US Army base in Germany. Unlike other civilians, I was not given housing allowance, so had to pay ridiculous german rent prices. The gym job was cozy and I was completely unsupervised. I had experimented with spending a few days and overnights in the gym. I gradually sold all of my shit and one month just abandoned my apartment and built a cozy space in the attic utility room. I lived there for about 9 months.

Gym obviously had showers, electricity, heating, and had the free MWR wifi and cable. I kept my cloths between a few lockers. We had a full kitchen in our breakroom. On base was the commissary and 24/7 PX-tra (gas station). I would usually do the nightshifts, so just lock up and go up to bed. I'd get up around 4am before the morning shift and go sleep in my car for a bit.

I saved around $17k in those 9 months.

>> No.22444261

>>22442554
most of these people here are just doing petty boring shit that isn't worth your time.

big brained moves

go to a food pantry. literally free groceries for two weeks. I guarantee your uni has one too.

live around miniorities and rent two rooms. they destroy pricing in real estate.

go donate plasma for cash. this could net a few grand per year and its worth your time per hour.

if you shop at Walmart, make sure to swap food for less expensive equivalents. get honeycrisp apples and charge them as the cheapest fruit. be careful though, if you miswipe and item and cancel it. an employee will come over and scan every item for you. you could get caught this way. they might not give a shit. just play dumb. you can save like 20 to 30 bucks doing this.

don't eat out. for real dude, you can spend like $15 on shit you could just make yourself. most of these restaurants are complete fucking scams. mcdonalds is not fast food, it takes 15 to 30 mins realistically to get the meal.

drive a cheap ass toyota corrolla. don't fucking buy 20 year old jeeps cuze its badass or something.

>> No.22444302

>>22443902
Speaking of frugal, in order to explain why I was always there, I would say I was in between university classes. I convinced everyone I was working on a masters degree from the public german university right next to the base. I was never enrolled but should have.

Free degree programs in english for international students who can provide their own residency. If you're american with a job on base you get SOFA status.

>> No.22444434

>>22444302
why were you there if not a student or in the forces? did you atleast get ripped?

>> No.22444491
File: 1.89 MB, 2976x3968, IMG_20200809_084916.jpg [View same] [iqdb] [saucenao] [google]
22444491

Old pic but homeless linklet reporting.

>> No.22444508

I still live with my parents. as such, being truly frugal is still something I just fantasize about. I'm a little scared how far down the rabbit hole I can go with frugality.

Do those of you living on your own, do you shut off the circuit breakers before leaving the house? Electronics and appliances on "standby" are draining electricity (money) from you.

>> No.22444521

I use a cash rewards credit card for every expense like food, gas, bills, etc. My favorite card gives me back 2.5% so that's $375 saved if I spend $15,000 per year.

>> No.22444574

>>22444521
I've never had a credit card before. are there any strings attached to that? are there any hidden fees that I have to be careful of or is it literally just free money? does a credit card get paid off automatically or do you have to pay it off yourself? how does that work?

>> No.22444577

>>22444508
Its not just a money saving tip, but a safety move. Keep doing it.

>> No.22444586

You guys are fucking disgusting. There's saving money and then there's just living like a hobo.

>> No.22444613

>>22444574
It's free money. I have auto payment set up so the balance gets paid off automatically every month. The only negative is if you're poor and unable to pay the balance when it's due. Then you start getting charged interest.

>> No.22444648

>>22444613
which credit card do you recommend? what should I look into? through my bank (Bank of America) or some place else?

I've been tempted to get an Amazon credit card for a while, since they give you a free $50 amazon credit, but I've been scared because the terms and conditions page is SCARY

>> No.22444665

>>22442554
Save money on toothpaste by not brushing your teeth

>> No.22444686

>>22442554
I drive with my headlights off at night to save money on electricity

>> No.22444709

>>22444665
lol, this is retarded. toothpaste is stupidly cheap.

sometimes I wonder whether toothpaste is really that cheap because it's so easy to make or if it's subsidized by the government. It's a product that everybody buys.

>> No.22444739

>>22444491
Imagine living in the woods.
I bet on the sunny days it might be not bad.

>> No.22444749
File: 44 KB, 782x379, Screenshot 2020-09-12 184734.png [View same] [iqdb] [saucenao] [google]
22444749

>>22444648
I've accumulated over a dozen credit cards because they have nice bonuses if you spend a certain amount within 3 months. My favorite is a USAA credit card that has a 2.5% cash reward.

There are entire websites out that show you the best cards based on your preferences. Bank of America or Amazon are good. Just search google.

This is my Excel spreadsheet that shows some of the cards that I have/had.

>> No.22444774

>>22444491
>>22444739
based and thoreau-pilled. this is true wealth

>> No.22444878

>>22444739
It was raining tonight. Under a tarp I was cooking beans and ramen on my makeshit oven setup, made of stones and an empty tuna can, browsing /biz/.

Rain used to make me down, but now whenever it's raining i just keep refreshing on coinmarketcap and it wards off the despair, looking at the price of LINK.

This might sound like a meme joke, and really i feel like a cartoon character sometimes living like this. True story tho.

>> No.22444916

>>22442554
wow dude i bet you save so much money from shitting right before you shower bro. damn guy, youre really saving dollars on your end eh pal. kys you stupid faggot bitch what the fuck was the point of making this thread with the gayest fucking shit ive ever read about being frugal fucking faggot. oh yeah, just incase you missed it, youre a faggot.

>> No.22444937

>>22444491
how much link do you have

>> No.22444977

>>22444937
382 LINK + 1 YFL. Holding since 2018.

>> No.22444986

>>22442554
I started stealing food when grocery shopping. Only a little here and there but it adds up over time and saves me like 50$ a month. Also I don’t own a car but am officially a student (for free) while working and I only have to pay a public transport ticket dich is much much cheaper for me than any other option. Only works in Germany as far as I know..

>> No.22444997

if you want papa murphys pizza for free, because of covid, they put carryout orders on a rack by the front door and they are already paid for. just walk in and look at the rack for the name on the receipt and take the pizza, they may ask your name and you just say the name on the receipt and they go "ok cool".

>> No.22445062

>>22444997
There's frugality and then there's stealing...

>> No.22445084

>>22444878
I remember you from last thread
Not much to say other than I am passing out in my comfy bed but I hope you stay alive until we make it

>> No.22445151

>>22445084
Thanks fren, we'll make it for sure.

>> No.22445463

>>22445062
Go to church if you want morality lessons, I'm here to save money.

A good trick I've found is breaking into people's homes when they're not there, stealing their stuff, and then reselling it at pawn shops.

>> No.22445531

Unless you need to drive and can profit heavily from driving, I think it's cheaper in the long run to just use ridesharing services.

It is pretty steep to pay $20 to be driven around by Uber/Lyft, but factor in all of the costs of owning a car and that shit really adds up

>> No.22445554

>>22442554
I buy pistachios in bulk and self checkout and type in the code for sunflower seeds
I get $20 worth for $2
Send emails to fast food saying you were shorted on your order but you lost the receipt
you'll get a free milkshake or a lot more free food coupons depends on your demeanor

>> No.22445635

>>22445531
not if you drive 5-7 days a week
$15 to work, $15 home
5 days is $150
1 month is $600
just to work and back

>> No.22445674

>>22445635
price of car
insurance
fuel
fluids
registration
car inspections
general maintenance

>> No.22445714

>>22444665
Melt Coconut Oil and add baking soda into a small bowl.

>> No.22445792

>>22444491
You're the antifa tranny right?

>> No.22445878

>>22444986
N

>> No.22445899

>>22443902
Sounds incredibly cozy. Did they eventually find out?

>> No.22445909

>>22444302
Good story, anon!

>> No.22445939

>>22444686
Actually that saves money on vehicle fuel, not on electricity

>> No.22445993

>>22445151
Do you have a weird thumb or is the picture distorted?

>> No.22446005

>>22443902
Comfy af

>> No.22446046

>>22445531
Buy a Toyota. I own mine, no payments. Insurance is like $50 a month, oil change and maintenance is worked out to another $50 a month, that’s factoring a repair job maybe 2x a year max. Plus gas. So ~$200 a month. Worth it

>> No.22446085

>>22444574
Treat it like a debit card and you will never pay more than what you charge, plus whatever benefits your particular card has.
So many people get fucked trying to charge more than what they have in the bank, it’s pretty amazing.

>> No.22446089

>>22445674
still more expensive than ubers
How do you think they make $ dumbass?
>>22446046
Same, paid $5g's for my pos gas saving toyota

>> No.22446105
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22446105

as motivation and expansion of the dancing wagie memes, i found this today: https://www.youtube.com/watch?v=hCJhT4FaThI

we allr emember finding out texas roadhouse makes servers dance to cottoneye joe, but apparently they also have fun-filled corporate days where you have to compete against other franchises. stay frugal, lest this be your destiny

>> No.22446195
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22446195

>>22445899
One of my coworkers did find out. He was cool with it. The whole crew was retired 60+ yr old boomer black guys who retired in germany to be with da white bitches. We all had a scheme going where we covered the double shift with just one person. So basically 40 hours pay for 24 hrs on the clock.

>>22444434
I initially YOLO'ed over there for a girl. We broke up after a few months so I stayed, met another girl, broke up. Yes I got ripped. My job was to unlock the doors, turn on the lights, then 8 hours of working out, eat at the DFAC, then workout some more.