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An amazing way to save money

B

Barnaby W. Füi

Elite Member
Just um, don't spend it. It's weird, I used to always be broke well before payday, but the past couple months I haven't been doing that, I've just not really been buying many things, and hey, I'm like, rich! Ok not exactly rich (I make nothing compared to alot of people here) but I have over a months pay in cash, and I get paid in 8 days.

So there's my advice to saving money. Don't spend it. 😕
 
you are nuts

you better delete this thread before the consumerists see the evilness of your diatribe
 
It's amazing - I know people who have great jobs, but apparently all that money can't buy them common sense, and they always ask me why they never have money.
 
Originally posted by: Angrymarshmello
It's amazing - I know people who have great jobs, but apparently all that money can't buy them common sense, and they always ask me why they never have money.
Click to expand...

I was just chatting with a teacher at school, some kid asked her for change and she joked about how she's broke since it's been 20 days or whatever since payday. Then she joked about how the teachers are more broke than that students. I then remember that this is the teacher who has a $300k or whatever house (in the midwest - where a decent house can be had for $70k), and undoubtedly a nice car or two, etc. Meanwhile I'm cruising around in a rusty 79 buick and livin with mama, but have more money on hand than her 😛
 
Originally posted by: manly
The Richest Man in Babylon [amazon.com]
Click to expand...

That looks like a really cool book, and I was reading the little reviews and stuff.. basically save 10%, give 10%, pay off debt with 10%, and that plus intelligent investment will make you rich. That seems like a really good concept, is there that much more to the book that I should actually buy it and read it?
 
The Only Investment Guide You'll Ever Need (amazon.com).

I got this for christmas several years back and set it aside. Picked it up recently, now that I have some money to invest.

There's some great money saving tips, like buying mouthwash by the case (it doesn't go bad, and you're buying it for say $1.50 now, when the price might go up to $1.75 in 6 months), plus a very good description of the major types of investments and how safe each one is.

I read most of the book in an afternoon. It's staying on my desk 😀
 
Good plan, the hard part is keeping up your good practices.

Most Americans are living way over their means. Tons of people are carrying second mortgages, and owe more than their home is worth, they refinance, but just blow any savings they get. They MAYBE paid off some CC debt, but did it by mortgaging their one and only home to the hilt, and probably half the time, ran the CCs back up.

The average CC debt has skyrocketed to about $8k, I know a few people who carry 10s of thousands of dollars of CC debt. People have placed CC debt on the same level as automobile debt, just considering it a "fact of life."

And of course the almighty car. People glean so much of their self-worth from a depreciating hunk of mechanical parts. How many times have you heard a friend say "the payments arent too bad", when you know in your head, they are coughing up $600+ a month.

But hey, they got a bunch of cool stuff right?
 
Seriously, it is so easy to save money by just changing a few of your habits:

Stop eating out. Especially lunch. You can brown bag a lunch for less than $2/day.
Stop or reduce your drinking. Especially drinking out. Booze is expensive!
Actually stop drinking soda, too. Especially in a restaurant. In college, my friend figured out how to make his meal plan last the entire semester just by drinking water instead of soda!
Stop smoking.
Conserve electricity and other utilities to reduce the bills.

Seriously, I just did these few things and I'm saving $500 each month that I would have just pissed away. Cutting back on eating, drinking and boozing has also helped me lose weight in addition to saving money 😀
 
Originally posted by: BingBongWongFooey
Originally posted by: Angrymarshmello
It's amazing - I know people who have great jobs, but apparently all that money can't buy them common sense, and they always ask me why they never have money.
Click to expand...

I was just chatting with a teacher at school, some kid asked her for change and she joked about how she's broke since it's been 20 days or whatever since payday. Then she joked about how the teachers are more broke than that students. I then remember that this is the teacher who has a $300k or whatever house (in the midwest - where a decent house can be had for $70k), and undoubtedly a nice car or two, etc. Meanwhile I'm cruising around in a rusty 79 buick and livin with mama, but have more money on hand than her 😛
Click to expand...

She must get paid quite a lot. Most of the teachers in the Dallas district don't make that much. Maybe she has a rich husband?
 
Originally posted by: Sluggo
Good plan, the hard part is keeping up your good practices.

Most Americans are living way over their means. Tons of people are carrying second mortgages, and owe more than their home is worth, they refinance, but just blow any savings they get. They MAYBE paid off some CC debt, but did it by mortgaging their one and only home to the hilt, and probably half the time, ran the CCs back up.

The average CC debt has skyrocketed to about $8k, I know a few people who carry 10s of thousands of dollars of CC debt. People have placed CC debt on the same level as automobile debt, just considering it a "fact of life."

And of course the almighty car. People glean so much of their self-worth from a depreciating hunk of mechanical parts. How many times have you heard a friend say "the payments arent too bad", when you know in your head, they are coughing up $600+ a month.

But hey, they got a bunch of cool stuff right?
Click to expand...

😀

I feel exactly the same. It sure would be nice to have a really nice car, but is it worth $30k or $40k or $50k? Not really...
 
Originally posted by: Angrymarshmello
Originally posted by: BingBongWongFooey
Originally posted by: Angrymarshmello
It's amazing - I know people who have great jobs, but apparently all that money can't buy them common sense, and they always ask me why they never have money.
Click to expand...

I was just chatting with a teacher at school, some kid asked her for change and she joked about how she's broke since it's been 20 days or whatever since payday. Then she joked about how the teachers are more broke than that students. I then remember that this is the teacher who has a $300k or whatever house (in the midwest - where a decent house can be had for $70k), and undoubtedly a nice car or two, etc. Meanwhile I'm cruising around in a rusty 79 buick and livin with mama, but have more money on hand than her 😛
Click to expand...

She must get paid quite a lot. Most of the teachers in the Dallas district don't make that much. Maybe she has a rich husband?
Click to expand...

I think her husband makes quite a bit. But she makes a decent amount (for a teacher) too, she's pretty damn old 😛
 
Few years ago I saved for 8 months for a total of 15k.

About a year later I dumped it all in my 1966 Mustang.

doh! 😀
 
I feel exactly the same. It sure would be nice to have a really nice car, but is it worth $30k or $40k or $50k? Not really...
Click to expand...

LOL. Everytime I think I want a flashy car, I look at my low Civic payment and double it and suddenly, my Civic seems quite flashy enough~
 
Simplicity is brilliant BingBongWongFooey 🙂

I've been trying to not waste money forever 😱
 
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