Let's have a real /frugal/ thread for once
>get a coffee maker and brew at home. Dont ever buy coffee. Do the same for water. Buy 5 gallon jugs and refill smaller containers to bring to work
>cut open toothpaste, hairgel, shampoo, etc bottles and use the last bit stuck to the inside of the bottle. You can get an extra week out of each bottle this way
>vote for Bernie Sanders to get a bunch of free shit
>search your loose change for silver coins. They are getting rarer, but you won't find them if you don't look
>buy clothes at the fleamarket. 5 for $10 tshirts are a great deal
>find the cheapest gas station in town and always get gas there. To save more money, watch crude futures and if crude is rising, fill up. If it is sinking, only buy a few days of gas at a time
>>1131246
>vote for Bernie Sanders to get a bunch of free shit
Come on Shill
You gotta do better.
Go back to /pol/ please.
>Buy a cheap haircutting set for $25 and cut your own hair
>Photocopy bus pass onto good quality paper and use it
>Steal homeless people's jars of money
>>1131252
Fuck off commie. /biz/ is a capitalist board. We're all about the money here
Does the bus pass thing actually work?
>>1131262
This.
>Not voting for Bernie to maximize your savings while you're saving up/in college then NEXT election voting for Libertarians when you already have/make good money
Fucking idiots man I SWEAR
Well?
I buy my jeans and shoes for really cheap on Black Friday. It's a great time of the year if you can see through all the bad deals and find the good ones.
yaaay jew thread!
>>1131336
The days after Christmas are actually much cheaper than black friday sales. Many clothing manufacturers actually use lesser quality fabric on the clothes sold on black friday to make their margins
This is what my life is like, or my checking account.
I live at home. Pay for my own gas, but not my own car insurance. I live in my childhood bed. I earn so little my parents don't even charge rent.
I worked a minimum wage job until I quit today because a coworker - subordinate got into a fight with me today, and my manager sided with the subordinate. I had to apologize to a person who stuck his face in mine, and told me to get to the back so he could knife me. I told him I'm going to quit unless the subordinate/temp worker was fired. He wasn't, so I quit.
>>1131371
Das it my nigga.
>>1131371
Wth Did you work at a prison yard?
>>1131379
Yes the people work with are low class cholos, basically ex-cons at a warehouse. It's not easy being a white man working in a warehouse, especially if your manager is a Mexican who hates all gringos, and your boss is a Chinese guy who gives no fucks about what happens. It's worse when my Mexican manager refuses to give me any help, and my weekly task includes assembling 5 pallets everyday of oversized items.
As far as my expenses:
My miscellaneous fees are education. I used that to deduct my taxes.
I used to bring lunch everyday.
My outgoing transfers are to my roth-IRA.
My office supplies are the warehouse knives I used work because those fucking beaners also stole my shit.
I've hit rock bottom friends. I'm fucking tired. My back hurts again -- I already had back surgery after visiting the ER.
Flush your wc every two-three times you pee in it to save water. This is the real thing to do, not doing your business in the sink
>>1131367
This. I've got deals 80% off just because stores are trying to unload left over Christmas inventory.
>>1131544
>landlord pays water bill up to a a certain figure
>spilt house, one water meter
>neighbour is frugal with her water
Gonna go have a shower right now.
>>1131254
This tbqh.
Last year brought from my grandpa's house his hair clippers and cut my hair by myself
So far saved roughly 137$, but the real win is that once you practice enought you can keep one hair style by yourself and save some time.
>>1131371
what program is that, my man?
Why buy shampoo if you can just shave your hair with a clipper? It saves you time and money.
>drinking coffee
>indulging in personal vices
>frugal
Just take adderall or an amphetamine if you need a boost or motivation.
>forget the value of money and gold
>stop being a jew
>take some drugs
>fluoride is toxic
>jews did 9/11
>>1131554
Same here.
Haircuts are~20€ (~$22) where I live, and I work in luxury hospitality so every two weeks is a minimum. Over 450€/year saved by cutting my hair myself, and I do it at home, no need to cope with the yipyap of the hairdresser and having to waste my day off getting a haircut.
>inb4 not worth it for so little savings
find five things in your life that spare you $500/year each and in 20 years time at 7%, that'll be an extra $100k in your index fund
>>1131246
>but you won't find them if you don't look
You wont find them at all, at this point in 2016 the only way silver coins are going to be in circulation is if some little brat raided his dads coin collection and actually spent the coins and you happen to come across them.
God damn, I remember spending some of my dads silver Kennedy half dollars.... fuck.. and some bicentennial 2 dollar bills.....
It hurts to think about...
>>1131269
No.... normal people dont live in fuckhuge cities where thats a thing.
I live in Western NC, we dont have or do buses. You either have a car or you walk and you wont get anywhere walking.
>>1132029
Its alright anon Im sure your dad forgave you.
>>1131544
>Flush your wc every two-three times you pee in it to save water.
This isnt a thing where I live. If you pay for water you are doing it WRONG.
Not having a well on your property...
>>1132045
That's not how it works in the city you country bumpkin.
>>1132054
Hence why I dont live in the city. Cities are cancer.
>>1132063
How are cities "cancer"?
That's where the jobs and people are.
What about time banks? Ever heard of them? They could help you get things done without tax & without spending cash
Don't wash your clothes in a machine and don't use expensive washing agents. Just use soap and wash your stuff in your kitchen sink. Then let your clothes dry under the sun - everything will become just as clean and it's a faster procedure.
Also don't change your underwear every god damn day. I change socks and ungergear every fourth day and shower once a week. Never has anyone made any comment on my smell.
Make a grocery list everytime you need food
Keep a log of the prices of everything you buy (there are apps for this) so that you know exactly how much you'll be spending
Cook your own food (the only time I spend money that's not on groceries is when it's a special occasion or just a stressful day and I need a milkshake)
>drinking coffee
>not just taking caffeine pills instead
>>1132368
>not enjoying the health benefits of the coffee plant
>>1131556
I think that's ynab
>>1132307
>no election has been won by a single vote.
This has happened more than twice in my country.
>>1131857
But I can almost promise your hair looks awful. How do you do the back?
Fair enough if you have a friend or partner neaten it up every few weeks but to cut the whole thing yourself is retarded unless you're literally just shaving it all.
>>1131857
I get my hair cut about twice a year. Hah, so men actually fuss over their hair more than women.
>>1132347
This. My professor told us he was spending $200 a week USD on eating out, in addition to his regular groceries. Now he drives back to his house ??? for his wife to make him lunch in an attempt to save money. He lives a minimum of half an hour away. Idk why he can't just pack something, because he's still wasting gas, not to mention time... Brilliant guy, but keeps money like water in a sieve. I spend $30 a week on food and rarely eat out, maybe a handful of times a year.
Penny wise, pound foolish. Look at your biggest expenses first. They have the most savings potential and are the best investment for your effort. Housing, food, car/transport, and medical, typically.
>private room in shared place
>rent cut in half
>can still masturbate in peace
Or for housecucks, I guess rent out rooms of your overpriced moneysink.
>>1132337
That's because you have no friends because you smell so fucking bad.
>>1132784
I look at this a little differently. I have a nice truck that i make what some would consider exorbitant payments on. But i dont drink alcohol, dont smoke, and brew my own coffee and pack a lunch and water every day. Just on the last 3 things I save:
> $7/ wk water
> $30/ wk lunch
> $15/ wk coffee
Thats over $200/month. Add the money I save never drinking or smoking and I can more than make the truck payment by eliminating expenses that most people think of as part of their bottom line.
To me being frugal is about not being wasteful with things that dont noticeably change your everyday life and using the money saved to improve your quality of life in bigger areas.
This seems like a casual enough thread. What are some good books to read if I want an entry-level approach to economics and want to read more complex stuff eventually? I'm trying to use Wikipedia but it's a bit of a headache to try to juggle learning new terms, concepts, and trends at the same time.
>>1132876
The Art of the Deal
>>1132876
The Deal of the Art
Follow all these to save/make money.
1. Do not drink or do drugs. If drink regularly and you find yourself here and broke, there's your problem. You need to deal with that before you can fix your money problems. No thrifty living tip will keep you wealthy and drunk or high, ever.
2. Use reusable house ware items. Do not use paper towel or plastic wrap. Ikea has kitchen towels for $0.50 each. Get about 5 and use them to wipe messes, blow your nose, everything. Get some cheap plastic containers to store food.
3. Shop around and identify the value retailers. Some grocery stores cater to the middle and upper class, and others lower, so find the lower. Depending on your location, there might be small family-run markets that sell fruits and vegetables a little cheaper.
4. Break the spending habit. Stop the psychological justifications your have to buy games, clothes, computer shit, etc. You may need to give all your money for a trusted friend/partner. You should be buying groceries each week and that's all.
5. Always be learning. You can go from zero to a $50k job in a few months if you commit yourself to learning software development online. This may take a large lifestyle change that means no more LoL, Youtube, chans, etc. For starters, see Codecademy and CS50.
6. Don't drive a car. Ride the bus or bike and move if necessary.
Here's a 1 week shopping list (priced from an expensive region, store brand stuff):
2 loaves of bread = $3
500g sliced bologna - $4
24 sliced cheese - $3
Mustard or mayo - $2
3kg of Apples - $6
Chicken soup mix - $2
Only take $20 to the store and go once a week. Notice no frozen pizzas, soda, chips or other kids junk food. Do not buy bulk either. I also suggest but wipes ($3) over toilet paper. You'll need dish soap ($2) and laundry detergent ($4), and learn to use as little as possible. If you don't replace those for months, you're doing it right.
Utilities: T-Mobile has a $40 plan (USA) and Koodo has a $35 plan (Canada).
>>1132784
Owning property can be far more economical than renting. Provided your not a retard who goes out and buys a 40 year mortgage McMansion. If you can provide the labor and materials you can pick up cheap fucking houses, slowly fix them up, and own some thing worth a pile of money while paying no rent. You just have to be ok with living in a crack shack for a few years and learning how to do a lot of shitty jobs you then do on your weekends.
>>1132913
>priced from an expensive region
>2 loaves of bread for $3
HAHAHAHA
You meant $7, right?
All you cats eating Ramen Noodles every day
don't have to kill yourselves after all.
1. Boil your brown rice.
2. Cut up vegetables; almost any will work.
3. Lightly oil the pan.
4. Add chicken, beef, pork, or shrimp of almost any kind to the pan and cook until browned.
5. Throw cooked rice into the pan.
6. Drop and scramble two eggs into the pan.
7. Mix it all up.
8. Add soy sauce.
9. Enjoy.
10.Profit.
>>1132931
You're shopping at the wrong store. Even Costco has 2 loaves of good sourdough round for $5
Protip: go to Entemans or such wholesale bakery stores for super cheap baked goods
>>1132913
Your shopping list is shit tbqh. Removal of processed snacks and such is always good, but advocating poor health in the name of savings crosses the line into jewery. Your shopping list is the absolute last thing you should be looking to pinch pennies on because of its obvious importance. The weekly shopping budget that will allow you a diet that will take you past 40 years old is about $40.
>>1132942
This is true for me. My family of 3 eats very well on $100 to $120 a week. We almost never eat at resturaunts. There are some things you can save on with food, but you need proper nutrition for a strong body and mind to be able to make money in the first place.
>>1132940
>America
Not everyone is so lucky to live in the land of opportunity, m8
Even renting out property here is next to illegal.
>>1132975
Im sorry, bro. What hell do you live in?
>>1132983
Sweden. It's not that bad, it's just that food is expensive and the housing market is basically a monopolized market locked down by government regulation. We can buy other financial instruments just fine, and capital gains tax is "just" 30%. I just get really riled up about the housing market, since there's a huge shortage, about half a million new homes need to be built by 2020, and that was before the immigration crisis that started around last year, and this is in a nation with 10 million people. At the same time the government has basically made it illegal to purchase property to rent it out for profit, unless you own the entire apartment complex. This means all housing in Sweden is owned by about 1-2 monopolies in each city, and they build no new housing to keep the prices up. So stuff like condos don't exist here, since you never "purchase" an apartment, you simply purchase the right to live in it, which I think is fucked up, but it's a relic from 60s socialist Sweden.
>>1131262
Firstly, pol is only right wing. The only differance between their faith in gov, which ranges from fascism to libertarianism.
Secondly, capitalism isnt really a modern political idea, its already won and new issues are around. Not even nigger voters buy into bernie socialism. You can still only care about the economy and call yourself a capitalist, but its a tad meme at this point.
Thirdly, distinct capitalists and meta capitalists
>>1132992
Oh, and to add, the prices of these rights to live in the apartment basically costs the same as actually purchasing a condo overseas. So fucked up.
>>1132993
Bro, learn English
>>1132992
That sucks, bro. Our most affordable areas in America are those with the easiest building environment. It's simple supply and demand. More people, less housing, pricier rent. Liberals are literal retards
>>1131392
I know that fucking feel man. I was making peanuts doing factory work too and everyone there hated you if you weren't black. I got fired though when they started downsizing.
>>1132998
Typing from phone
>>1132768
Where are you from and why was it so close?
>>1132913
>5. Always be learning. You can go from zero to a $50k job in a few months if you commit yourself to learning software development online. This may take a large lifestyle change that means no more LoL, Youtube, chans, etc. For starters, see Codecademy and CS50.
Really? A company would accept you without a degree?
>>1131246
OP some of what you posted is just stupid as fuck. So fucking stupid I can't even think of a metaphor to describe how idiotic it truly is.
>>1133030
Stay poor and wasteful, loser
Post more /frugal/
And less argue
>>1132033
In WNC? You talking about Waynesville or something? I'm in Asheville and all the busses are hybrids
>>1133027
persistence and show them you are up to snuff
>>1131246
>get a coffee maker and brew at home
i don't even drink coffee bro
For men who shave, single blade safety razors. $30 up front for a good, solid brass Mekur, Parker, Edwin Jagger. $10 for a packet of 100 surgical quality blades. $40 the first year and then $10-15 for the rest of your stinkin' life.
Beats the shit out of paying Gillette $15 for a Fusion or $10 for a Mach3 handle, then between $2 and $7 a cartridge which will last only a month before tearing your face off.
>Save lots of mone by changing your motor oil yourself
>borrow a skate board and a wrench and you're set
>you can even get cheaper by using regular vegetable oil instead of proper motor oil
>simple coffee filters can be used in place of your engines filter
Saving 50 bucks a month easy
>>1133073
>>Save lots of mone by changing your motor oil yourself
Yes
>>borrow a skate board and a wrench and you're set
Yes
>>you can even get cheaper by using regular vegetable oil instead of proper motor oil
No!
>>simple coffee filters can be used in place of your engines filter
Nigga, what?
>>1133070
You can also buy a knock off Trac II handle, like BumpFighter, and get budget Trac II blades for like 5-6 for a $1.00 at dollar stores.
>>1133073
Sometimes I feel like these threads devolve into Vince the Shamwow guy
>"You're gonna spend $100 bucks a month on paper towels anyway"
>>1133107
I've always found those to be no better than shaving with a Bic disposable. Can't clean them well, handles are easily broken, blades rust.
>>1132781
I can almost promise your your hairdresser overcharges you for something a blind monkey could do.
My hair looks fine (as I said, I work in luxury hotels, freak haircut is an absolute no-no), people are actually surprised when I tell them I cut my hair myself.
You can adjust length to the mm, from 3 to 35 mm. Long on top, short on sides, even progression from long to short, trim the back and sides for a straight line, done.
Q
>>1132876
Naked economics is good for very very basic things. I'd suggest buying an old college textbook though if you want to get some fundamentals down. Economics is very interesting once you start learning more about it.
When you hunt for food, put some styrofoam soaked in 93 octane in the shotgun shell. This will burn the fur off the squirrels you shoot which means less energy wasted in processing the meat.
>>1131246
1. Cut your own hair
2. Rarely buy clothes
3. Rarely eat out
This will save you $50k lifetime if you follow my advice.
>>1133282
>it ain't me starts playing in the background
>>1132913
>that diet
Pasty manlet detected.
>>1132998
>proud to speak only 1 language
>>1132913
>Don't drive a car
If you have to and your car is worth less than $8,000 get basic liability only. Also if you have a g/f and you both drive, lie and say youre married. They don't verify it and you'll get huge discounts for combined policies. Saved like $300/year doing that.
>>1133326
That woman is atrocious. Zuckerberg is definitely gay
>>1132913
Your diet is shit. NEVER skimp on investing in yourself with good food and medical care. I spend $30 a week on groceries and eat mainly fruit, vegetables, clean meats, and dairy. I wouldn't let something like bologna into my house. Bread is also shit, especially budget bread. Best presliced is rye, but mainly the only grain I eat is oatz. My brekkie this morning was cottage cheese with fresh strawberries, blueberries, and blackberries, with a big bowl of homemade oatz, and tea.
I use Ting and pay $15/month for phone and text (no data, but you could elect to have it.)
>>1132926
Owning could be better than renting, key word could, but it is not always. It's also a lot of risk, responsibility, and tying your assets up in an extremely illiquid instrument. I didn't go to college to be a construction worker. I have no interest in "house flipping." It's a waste of time. It would be more economical just to get a second job in your profession, if you're gonna spend your weekends rebuilding a crack shack. Also you sacrifice all of your free time. What's the point of living?
>>1132768
Well it did happen in Ohio with Sanders and Hilary :^)
All these shory hair fags
>not letting your freak flag fly
I guess this is biz after all, but im nearly 3 years since a haircut of any kind
>>1133909
>not having business in the front but party in the back
ISHYGDDT
>>1134022
Out of all the wigs you could buy...
>>1132913
>5. Always be learning. You can go from zero to a $50k job in a few months if you commit yourself to learning software development online.
You landed into a programming job without a degree?
>T-Mobile has a $40 plan (USA)
If you don't use your phone that often, there are prepaid plans as low as $10 for three months.
>>1131246
I'm full /frugal/
>Always haggle people from craigslist when they show up to buy
>Have an old pair of shoes, buy a new pair of the exact same style, then "return" the old ones the next day at the store. Free new shoes
>Buy necessities in bulk
>>1133556
You're just jealous of his beautiful wife
More frugal tips:
Don't take vacations, don't own a car (ride bike, use Uber, public transportation), live in a room instead of apartment.
The point to saving money is to invest all your money so you can be financially free, ASAP.
>>1131392
You work at the wrong warehouse. I make like 60k a year at my warehouse. Try harder.
>>1131392
Enlist in the Air Force friend, youll thank me later
>>1132773
I use a hand held mirror. Its very hard at first, now it takes me 10 min and its better than the GED cunts at the local hair place.
I was in the military. First started buzzing whole head, now Ive graduated to nice fades and comb overs
Saved me thousands over the years
>>1135156
Not that guy, but I did it. Admittedly I switched over from IT, but it was all self-taught programming that got me the job. Demand > supply for programmers, and you'd be surprised by how many shit programmers there are out there.
>>1135223
Going to have to disagree with not taking vacations, its worth the price; just need to do it judiciously. Public transportation and living in a room are things that you can get used to, so the amount of happiness that you get out of it levels out, but there have been a lot of studies on how experiences like vacations are the best ways to buy enduring happiness.
>dont buy apple products
>don't buy a new wardrobe every season, keep wearing things until they get holes in them, maybe get a new shirt or two every year
>never subscribe for internet security software, just use plugins like noscript and uBlock origin and free programs like bleachbit.
>always buy used cars. You can get a used car that's good as new, but has 5-10k miles on it, and it'll save you thousands of dollars.
>you can get free parking almost anywhere if you wear a tie and say you're there for a business interview
>live rent free by never moving out of your parents home
>>1135204
I used to work in a shoe store. Motherfuckers who tried returning raggedy ass shoes were the worst. At least the thieves were creative and didn't waste our time trying to argue that their shoes were in resellable condition. That said you can probably do it if the cashier doesn't give a shit or it's super busy.
>>1135238
Anyone frugal vacation?
>visit beaches and parks
>camp in tent or car
>Cook in fire pits
>Gather food or eat out at local restaurants.
I usually splurge a single night at a nice hotel but always think about that cost divided up among the other days on vacation. For me frugal is a value on investment.
>>1131246
This isnt a fucking game, kid, this is my life. Live on the Alaskan tundra for a year and we'll see how your habits change when you come out the other side. You wake up and spit your morning loogie down the sink. I swallow it for sustenance. You're the kind who throws away bad milk. I make sour cream. You tie your shoes before you leave the house. I use one long lace between them both to save $ on shoelaces, faggot. I shit in a diaper for a year cause I couldnt afford to flush. Ever heard of a lambskin condom? I fuck lambs with a condom.. cause women are just to pricey. I have a mustache, cause it gets me free hotdogs. You're up a paddle without a creek, richboy. Ill only tell you once: I keep my promises kid, cause I cant afford to lie.
>>1131246
OP has good tips. Only other things I can elaborate on:
>Lots of restaurants/fast food places have all kinds of condiments and sweeteners lying out - stock up.
>Investigate rewards programs that stores have and check out coupons too if you have extra time (nothing beats getting deodorant and shampoo for pennies).
>Use card pool or other sites to buy discounted gift cards for stores you know you are going to buy things from. Even if you save 7 percent that covers taxes in a lot of places.
>Goodwill, salvation army, valueworld, and any other thrift store.
>If you live in the USA and live below the poverty line ~$15,800, utilize every single government program you can. Free school. Free insurance. Free food. Subsidized housing. It is there for a reason - use it until you have a career that allows you to not have to use the system anymore.
>Make lowball offers on things that you know you can haggle over and resell. Almost every week I buy something on craiglist and then either resell it on ebay or sell it to someone I know. Buy something for 50, sell it for 100.
>keep an eye out for trade in promotions at different stores. One time bestbuy ran a promo where they were giving a minimum of $5 for any electronics trade in. They ended up with a lot of .50 cent earbuds from me.
>recycle cans and scrap metal. I make 10-15 dollars a month just by saving cans and that takes literally no effort.
>>1133556
All women get ugly. Maybe she has an awesome personality?
Even the most beautiful woman has a boyfriend who is tired of fucking her.
get on my lvl
>buy 4 tons of coal and store it in your basement, get a coal/steam generator, for a house of 3 the electrical and heat/gas bill equates to 100$ per year
>buy in bulk base materials from B2B firms every half year, ~8k in food spent per year
>get a well and a water filter with a destilator + mineral packets
>if it was up to me i would get rid of the car but luckily i know a guy who makes biodiesel 75% of the market price where i live
>from all that save up to 75k per year, spend 25k on holidays and save the rest for future investments
some people will fround on my spending habits but i really get a high for saving 70$ for a product that i can get/make for 5$
>>1135282
I like to travel internationally, so it's waiting for cheap plane tickets and airbnb. Would probably be a lot easier if I wasn't travelling from the US.
>>1133552
>$8,000 get basic liability only. Also if you have a g/f and you both drive, lie
Do not do this:
When its time to claim, they will find any way out of it. You are just throwing your money away doing this.
Regards,
Oscar
>>1135283
Favorite pasta
>>1135874
>running a boiler in your basement
>implying you actually do that
lol
>>1136619
Do you know where you are? You seem lost
>>1136631
all his other things seemed resonable
>>1135874
base 19th century bait
>Kidnap homeless children and cannibalize them to save money on food
