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Things I've done this year to save money
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2 Cool 4 U Offline
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Post: #126
RE: Things I've done this year to save money
- Rented movies from the redbox instead of buying them
- Put spare cash in a bank account
- Borrowed college textbooks from the library
- Printed stuff from computers on campus (beats trying to spend a fortune on printer ink and plain paper)

Make our guns illegal and we'll call them "undocumented"
(This post was last modified: 08-23-2018 04:16 PM by 2 Cool 4 U.)
08-23-2018 04:14 PM
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Crash_Bandicoot Offline
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Post: #127
RE: Things I've done this year to save money
I haven't started doing this, but here's one thing I will start doing:

Start using my CVS coupons. This applies to Americans only.

I have always purchased an item at CVS, gotten the long string of coupons on the receipt after purchase, and then never used them because I would just throw them out. But after seeing the coupons, I've come to realize that they are actually very useful.

The coupons are based off of an algorithm where CVS tries to give coupons based off of spending habits. So, for example, if I bought shaving blades, the coupons would have coupons related to shaving blades. The coupon values are actually pretty good. Even better - the Extrabucks can be used for anything.
08-24-2018 05:10 PM
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ChicagoFire Offline
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Post: #128
RE: Things I've done this year to save money
Just came from Costco all I see are a couple somewhat useful gift cards to Jiffy Lube and a spa. Rest are garbage eateries.

Here's a couple more:
* I shave my head with a $15 hair clipper. Not practical for too many people but since I'm not white I don't come across as a skinhead. After about 3 years I may have to replace it. Perfect example of not only saving money but time going to a barber. I'd argue this and my bus pass have massive ROI.

* Use the library to borrow books.

* Don't buy clothes at a whim. We're not women here and guy's style tend to change about every decade.

* "Live" at my job and at the gym. Use bathrooms, take showers at the gym, take sweeteners like Stevia so I don't have to purchase them, etc. I work in food industry so one of my favorite tactics is grabbing disposable containers and storing my food in them. Now I don't have to do dishes when I get home and it's just another way to piss off the higher ups. We all hate our bosses Wink I take this point to an extreme, even going as far as to bring outside drinks I bought at Costco, drink them throughout the day, and dump the trash out so the janitors have to do more work.

(09-21-2018 09:31 AM)kosko Wrote:  For the folks who stay ignorant and hating and not improving their situation during these Trump years, it will be bleak and cold once the good times stop.
08-24-2018 09:29 PM
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Robert High Hawk Offline
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Post: #129
RE: Things I've done this year to save money
I love this thread.

The "penny wise, pound foolish" concept is key. I think the goal is to maximize your investments of both time and money. Some things like chores can actually be a good personal development, like cooking for example, or even tidying up your house to improve your organization and get rid of random crap.

Bringing food to work, cooking at home have all been big money savers.

Some things, like a popular coffee shop where you can small talk and meet new people or simply interact a bit, may be worth the $3. You don't have to buy something expensive, but maximize that opportunity to talk with people or read your book and grow your mind. If you are wasting $3 on coffee just cause you want coffee, then that of course is a waste.
08-24-2018 10:28 PM
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tycotacos Offline
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Post: #130
RE: Things I've done this year to save money
The biggest thing I've done this year to save money is get divorced. Unreal how much $$$ she was spending.
08-25-2018 03:20 PM
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ChicagoFire Offline
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Post: #131
RE: Things I've done this year to save money
^
LMAO! Even just looking at social media I see girls spend money on stupid pathetic stuff like fancy dinners, $10 print bags that end up in the trash. Then they wonder why they're fat and slowly dying (hydrogenated oils, subpar meats, etc). Believe me, I'm not stupid and can see if a girl is insecure about her body by the way they dress. I will NEVER marry a trust fund baby or someone who treats money like toilet paper.

@Robert High Hawk
Well yeah that's a fair point. For example, you could save money by going to the local park district and playing basketball or you could go to a gentleman's league where rich men pay $500 to sign up. It's to keep the hoodrats out and to make high quality friends. This thread is great to bounce around ideas but once you move up the ladder you don't want to be penny wise, pound foolish.

(09-21-2018 09:31 AM)kosko Wrote:  For the folks who stay ignorant and hating and not improving their situation during these Trump years, it will be bleak and cold once the good times stop.
08-26-2018 02:43 PM
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godzilla Offline
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Post: #132
RE: Things I've done this year to save money
Planet Fitness - Cant beat 10 bucks a month for membership and 21 bucks anywhere

Transfer debt - I keep moving debt on 0% credit cards, have paid interest 4 years now

Cook work lunch at home the night before

Cut the cord - No cable. Don't need. Plenty of free online sites if you need sports
08-26-2018 02:58 PM
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Crash_Bandicoot Offline
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Post: #133
RE: Things I've done this year to save money
(08-26-2018 02:58 PM)godzilla Wrote:  Planet Fitness - Cant beat 10 bucks a month for membership and 21 bucks anywhere

Transfer debt - I keep moving debt on 0% credit cards, have paid interest 4 years now

Cook work lunch at home the night before

Cut the cord - No cable. Don't need. Plenty of free online sites if you need sports

Planet Fitness is a huge money saver.

Not only is $10/month a steal, but they also have many nights a month where free food, such as pizza and bagels are served. If you factor in the amount of free meals you can get, it's well worth the membership even if you don't go to the gym at all

On top of that, free showers and massage chairs are a huge plus. Some are even open 24/7.

Of course, for the true gym buff the gym may not suffice but it's a solid choice for most people.
08-26-2018 10:56 PM
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joost Offline
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Post: #134
RE: Things I've done this year to save money
I like this thread. It’s not about being “Penny Wise, Dollar Poor” since it’s not about decreasing standard of living. Spending an hour Sunday to cook your weekly meals is cheaper, healthier and give you more free time than going to a fast food chain. I see plenty of overweight and poor people (by the neglected car) leaving fast food chains with huge bags. They rationalize thinking it’s best to spend $15 at McDonald’s (an hourly wage) instead of spending an hour cooking (+ paying for the ingredients).

Groceries:
I buy my food online from Walmart’s Groceries app. They charge you $7 to deliver and you can save your favorites in the app so you don’t waste time looking. You don’t have to waste time (time is money) shopping and you choose when to deliver (they’re very punctual).

Cellphone Plan:
I was paying $45 for my cellphone plan (TracFone Wireless). I find it expensive since I barely use my phone (plan). Recently I discovered Mint Mobile. They use T-Mobile network so it has good coverage but they charge $15 (unlimited calls + 3GB internet). You can port your number if you want and they give you a SIM card so you can try the network for a week (to make sure you have decent coverage). I gave it a try and now I just registered.

It’s the same service (as T-mobile), but 3 times cheaper. Don’t want to sound as a salesman but If you use this referral we both get an extra month ($15) of credit.
http://fbuy.me/mq-uw
04-04-2019 10:53 AM
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ArloDash Offline
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Post: #135
RE: Things I've done this year to save money
Moved to Eastern Europe, began working online, paying a very small amount of US income tax and started saving and investing $25,000 a year with the eventual hope of creating an index fund (and a few other outsourced business tasks) that pays my bills in entirety so that I no longer have to work.

Mind you, I do this while living pretty lavishly (frequent means out, my own new apartment with no roommates, gym membership, haircuts every two weeks, new clothes).

This is all done for about $1,500 a month and that's if I'm going hard. It's usually less.
04-04-2019 11:55 AM
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Leads Offline
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Post: #136
RE: Things I've done this year to save money
Phone
Ported my phone number to Google Voice like 4 years ago for a one time fee of $20. Since then, I've had no phone bill (I only use an iPod touch on wifi)

Food
skipping meals and postponing eating in general. Simple meals (soup, sardines, crackers, etc)

Transportation
Car free for 4 yrs now and just bought a fat bike. Now I get fresh air / exercise for free while riding to the store or just wandering
(This post was last modified: 04-05-2019 12:07 PM by Leads.)
04-05-2019 12:06 PM
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bootyhuntah Offline
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Post: #137
RE: Things I've done this year to save money
Cut the home wifi service this month. Was paying $50/month for that. I instead got Ultra Mobile unlimited plan for my phone which is $50/month and has unlimited data and talk/text.

I now use my phone as a WiFi hotspot whenever I need WiFi at the house.

Latin American Coffee Guide
-What other people think of you is none of your business.
04-05-2019 07:31 PM
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joost Offline
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Post: #138
RE: Things I've done this year to save money
I don’t shave as often as before since I mostly use a hair trimmer. But when I shave I use an old-type double edge razor. You can buy them in bulk for cents each. And now you can get a Chinese version of the Merkur Futur ($70) for $15 with your name engraved. The Chinese brand is called QSHAVE (Amazon or AliExpress).

The razor is beautiful and works great:
You can find plenty of reviews on YouTube.

[Image: 4696-BE9-F-A2-E9-4-AEA-8-E64-A6-FE87528-F02.jpg]
04-11-2019 05:23 PM
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richshearer Offline
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Post: #139
RE: Things I've done this year to save money
we live in a rv towed by a 4x4. every town we pass thru has an op shop/goodwill. we swap and buy books and all our seasonal clothing etc. most stuff is new or low use. bought a fully lined sueded leather bomber jacket for twenty bucks last week. now I can look well dresed and stay warm this winter. we pay no sales tax this way either. bonus.
04-11-2019 10:15 PM
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ChicagoFire Offline
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Post: #140
RE: Things I've done this year to save money
My job has a condition where I can get room and board. I don't qualify for it for certain reasons but I appreciate it for what it's worth. Something I've been thinking about is finding a place to sleep in peace in my car since I'm stuck on the graveyard shift. It would cut my commute time and help with my current project of finding a job that pays in the 150K range.

Taking advantage of the annoying commute so I don't burn gas excessively and increase wear and tear on my car:
Listening to podcasts and audiobooks.
Commuting earlier to avoid the evening rush.
Using my toll pass judiciously. Last thing I want to do is get into an accident because my employer kept me at 14 hours.

(09-21-2018 09:31 AM)kosko Wrote:  For the folks who stay ignorant and hating and not improving their situation during these Trump years, it will be bleak and cold once the good times stop.
04-15-2019 02:50 PM
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TopPanda Offline
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Post: #141
RE: Things I've done this year to save money
Some great tips here but I am guilty of trying to save a few cents here and there instead of looking at the big picture stuff.

So I've just sold my rental apartment. Excel says I'll make a lot more money by investing in income generating stocks rather than keeping the rental property. The best thing is that in a few years all of my money will be in tax except accounts, which will save a fortune. Plus I shouldn't have to pay any tax when I retire. Too many people forget about that.

Stuff I've seen on my travels...
Chinese Ladies Mapped by Province
04-20-2019 07:56 PM
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GT777733 Offline
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Post: #142
RE: Things I've done this year to save money
@thoughtgypsy outlined it already

But, when it comes to saving money, if I had my time again - I would look at the place I live in like an investment in myself, even if I'm paying rent and I don't own the property I'm living in

I've tried saving 20-30% in rental costs before by living with an extra housemate in a small house, or by living in cheaper places - and it was rarely worth it looking back.

The wrong housemates (or landlord), or a cramped share house can severely impact or even destroy your freedom, happiness and mental space (especially if you get the wrong place or wrong people).

Pay a bit more for the place you live in, and you can experience far greater life returns proportionately than the extra monetary price you pay.
(This post was last modified: Yesterday 06:10 AM by GT777733.)
Yesterday 06:00 AM
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