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10 ways to stay broke - forever

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Wyndru said:
I'm broke, so I can't even afford to do any of those things. They should have placed "have a kid" as #1.
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Didn't have mine until I was 37 so it was much easier than being younger/less established. Imagine it's got to be tough.

As far as wives, have to get the right one. Sorry, no idea how to tell you how to do that. I lucked up, maybe. She supported us for 1.5 years while I started the business. No way I could have done it otherwise and I'd still be working for the man/stressed/depressed.
 
highland145 said:
Didn't have mine until I was 37 so it was much easier than being younger/less established. Imagine it's got to be tough.
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It wouldn't be bad, and my wife and I are in our 30's and do ok financially, it's just daycare sucks every cent out of us. 12k a year hurts.
 
Wyndru said:
It wouldn't be bad, and my wife and I are in our 30's and do ok financially, it's just daycare sucks every cent out of us. 12k a year hurts.
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<----fortunate bastard, right here. Kid went to work with the wife at the non-profit she was working at and the in-laws are 1/2 mile down the road.

I was a happy guy the day I stopped buying diapers.
 
mmntech said:
1) Finance everything
Got a loan to pay for my skydiving rig and my motorcycle.

2) Pay the minimum &#8212; on everything
Credit card is paid off monthly.

3) Spend it all
I do need to save more.

4) Buy a huge house
Rent because I move frequently.

5) Buy a new car
I drive a 2001 Honda Civic. My only new vehicle purchase was a 2011 Triumph Street Triple R.

6) Take a vacation
Took one over Halloween. Company paid for my flight, camped outdoors, ate sparingly. Before that was a $1600 trip to Denver for 90min in the wind tunnel, but I saved for that trip so it just came out of savings.

7) Buy more toys
Did just buy a new netbook...and possibly an M4 this winter.

8) Pay more when you can
Don't buy shit unless I need it and I buy online.

9) Shop every day
I don't "shop". I buy what I need.

10) Eat out
I do eat out for lunch at work.
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Eh, not doing too bad. Max out the 401k every pay period, full insurance, pay off all debt on time. Doing pretty good for 24yo.
 
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lokiju said:
Think you missed the point. Vacation good. Pay for vacation with credit card because you otherwise couldn't afford it, bad.
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Amazing people keep missing that even with it noted multiple times in the thread.

#13 Don't read anything, just post like you spend money
 
Stupid list. You only live once, if you can manage it then do it. I go out to eat, I go on vacations, and I just bought a new car for the first time.

Let's just live frugal bitter and poor so when we're older we can spend our shit years with the money instead of our young years.

In fact you may even get lucky and store thousands even millions and die before you get a chance to touch it.

There's a middle-road here that most people with sense can achieve so they actually spend the hard earned money they work for to entertain themselves and live a happy life.
 
ichy said:
Car payments are another fantastic way to stay on the perpetual debt treadmill. I'm not anti-new car with current used car prices, but I have to laugh at idiot guys with mediocre jobs who finance BMWs & Acuras. Idiots.
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It's ok if they really love their car. Some guys buy new filters and fluids for the car just so they can dick around with it and pull it apart. 1000 miles on it, nothing to do, let's change the oil!


New list. #1 cause of poverty: boredom. I buy stuff when I'm bored and need something to do.
I started making wine when I had nothing better to do. Then I stopped when I found something else to obsess about.
The lighting in my house was both expensive and time consuming because it was something to do. I have an entire drawer filled with light bulbs. Vacuum incandescent, halogen incandescent, and fluorescent types. I have bulbs of different color temperatures. I have ones that shine in all directions and ones that project a cone of light. Some of them turn on right away and some of them take a minute to warm up. Every room has multiple lights for different moods. The bathroom has 3 extremely bright 6100k fluorescent bulbs that make the room look cleaner as well as a halogen flood light that shines down on the toilet and feels warm like the sun when I'm taking a dump. Then there's also a 9w 2700k bulb in there that is more for night time (because 6100k bulbs tell your brain it's still day time)
Getting different types of electric heaters so I have complete control of heating was something to do (fanless + parabolic radiant + fan). Any room can be heated any way I want.
After tripping breakers a couple times, I marked which receptacles and light switches were on each breaker then ran some expensive extension cords all over the place to make sure everything was on a specific breaker. The majority of my suite runs through 1 breaker which all runs through my UPS (most of it on the surge-only side), and it all runs through a wattmeter.
I also bought wattmeters to keep track of power because I was curious. How much power does the electric heater in my bedroom use, how much power does that UPS circuit use, how much power does my microwave use in a week, etc.

My current project is to monitor my blood pressure after doing various things. I bought this $40 blood pressure monitor from a liquidation place. I'll see how different drugs affect it, different exercise, different drugs + exercise. I'm looking forward to the 600mg caffeine + shoveling snow test. Blood pressure will probably be 200/100 with a pulse of 200.
 
shawnd1 said:
it's ok if they really love their car. Some guys buy new filters and fluids for the car just so they can dick around with it and pull it apart. 1000 miles on it, nothing to do, let's change the oil!


New list. #1 cause of poverty: Boredom. I buy stuff when i'm bored and need something to do.
I started making wine when i had nothing better to do. Then i stopped when i found something else to obsess about.
The lighting in my house was both expensive and time consuming because it was something to do. I have an entire drawer filled with light bulbs. Vacuum incandescent, halogen incandescent, and fluorescent types. I have bulbs of different color temperatures. I have ones that shine in all directions and ones that project a cone of light. Some of them turn on right away and some of them take a minute to warm up. Every room has multiple lights for different moods. The bathroom has 3 extremely bright 6100k fluorescent bulbs that make the room look cleaner as well as a halogen flood light that shines down on the toilet and feels warm like the sun when i'm taking a dump. Then there's also a 9w 2700k bulb in there that is more for night time (because 6100k bulbs tell your brain it's still day time)
getting different types of electric heaters so i have complete control of heating was something to do (fanless + parabolic radiant + fan). Any room can be heated any way i want.
After tripping breakers a couple times, i marked which receptacles and light switches were on each breaker then ran some expensive extension cords all over the place to make sure everything was on a specific breaker. The majority of my suite runs through 1 breaker which all runs through my ups (most of it on the surge-only side), and it all runs through a wattmeter.
I also bought wattmeters to keep track of power because i was curious. How much power does the electric heater in my bedroom use, how much power does that ups circuit use, how much power does my microwave use in a week, etc.

My current project is to monitor my blood pressure after doing various things. I bought this $40 blood pressure monitor from a liquidation place. I'll see how different drugs affect it, different exercise, different drugs + exercise. I'm looking forward to the 600mg caffeine + shoveling snow test. Blood pressure will probably be 200/100 with a pulse of 200.
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ocd ftw!
 
Cocaine is actually a lot safer than people realize. The amount of stress it puts on your heart is in the same ballpark as drinking coffee. Seniors are also told to avoid coffee for that reason, but some people don't care.
Sex is easy too if the other person does all the work.
 
ShawnD1 said:
Cocaine is actually a lot safer than people realize. The amount of stress it puts on your heart is in the same ballpark as drinking coffee. Seniors are also told to avoid coffee for that reason, but some people don't care.
Sex is easy too if the other person does all the work.
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The withdrawal is worse. Probably not as bad as opium but much harsher than nicotine and caffeine.
 
mrCide said:
Let's just live frugal bitter and poor so when we're older we can spend our shit years with the money instead of our young years.
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this is so fucking true. my grandparents have told me just this. sure, they tell me to save and be responsible, but whenever i told them i felt bad because i spent money on something stupid, they would just smile and say "enjoy the fun. be thankful you are able to"

when i get old i see myself spending about 20 hours a day online, like my grandma does. she even says it gets really boring sometimes, but she was a grandma before the internet came around and she said that was WAY worse... there was just nothing ever to do, and leaving the house was more of a physical problem then a financial one.
 
mrCide said:
Stupid list. You only live once, if you can manage it then do it. I go out to eat, I go on vacations, and I just bought a new car for the first time.

Let's just live frugal bitter and poor so when we're older we can spend our shit years with the money instead of our young years.

In fact you may even get lucky and store thousands even millions and die before you get a chance to touch it.

There's a middle-road here that most people with sense can achieve so they actually spend the hard earned money they work for to entertain themselves and live a happy life.
Click to expand...

That's what my grandfather did... he lived like a pauper and have half a million in the bank when he got Alzheimer's. The nursing home got most of his cash by the time he died :|
 
Definitely not guilty of all.
Guilty of new car recently mainly because I drive so damn much I was sick of fixing my 15 year old car.

I do eat out a lot. I do love it though 🙂
 
ShawnD1 said:
Polish roulette?
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tn-tfb.jpg
 
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