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/jew/ - Thrifty Living

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Guide to Success from nothing Captain Derp 12/10/13(Sat)05:41 No. 387 ID: 353cb7 [Reply] [Last 50 posts] Stickied
387

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I started with a criminal record for petty narcotics pos and a 'computer tresspassing' record guaranteeing me unemployment almost everywhere except manual labor. I was also living in a SRO in the worst area you can ever imagine, had no money, huge debt and couldn't even finish university so washed out in the second year due to poverty.


STEP 1 - GET A FUCKING JOB

Any job will do. Some shitty manual labor position is great because then you also get some activity in so you aren't a fat bastard.

Easy jobs to get are landscaping (usually pays under the table cash), construction clean up, warehouse, or whatever you can find on your local Craigslist 'gigs' section. Alternatively there's the dreaded nightshift tech support. Look around for these on CL, or move to somewhere in your country where the jobs are. In Canada this means terribad mining and oilfiend work but it pays like $40/hr and there's nothing else to do up there, perfect for studying.

For me, I got a job at the post office and delivered mail, which meant I got off early and had lot's of time for school. Also consider institutions that will pay you to learn a trade, such as telephone companies and whatever else.

STEP 2 - START SAVING MONEY

Basic income budget rule is 70/20/10

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Modern Mom 16/01/12(Tue)13:28 No. 2801 ID: 1fce9b

>>387
Should I sell my vidya/movie/book/toy collection for a jump start?




Modern Mom ## Admin ## 12/08/17(Fri)01:43 No. 1 ID: e5e5b6 [Reply] Stickied
1

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Congratulations you poor bastards have earned your own board. Don't fuck it up. Any relevant rules will be created/added to this post when the time comes, but for the meantime try to keep it SFW.

Go Wild

Jesus Christ I'm useless; I should have specified that this board is for poor niggers to share money saving tips/vouchers and whatever.


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Modern Mom 15/03/23(Mon)01:04 No. 2558 ID: bc0dd7

Frugalness intensifies




FREE UTILITIES Modern Mom 16/02/06(Sat)00:43 No. 2807 ID: efc0ed [Reply]
2807

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/jew/, I have free utilities at my pad. Is there anyway I can take advantage of this while it lasts? Can I bottle up my power like piss and sell it for later? Bitcoin mining?




In summary Ghosts 14/07/07(Mon)01:02 No. 2161 ID: 91e813 [Reply]
2161

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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):
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Modern Mom 15/12/24(Thu)05:53 No. 2788 ID: b3c5ac

>>2785
Totally agree but I feel like the no romance part is kinda harsh. I feel like life is about sharing experiences and developing shared connections, if you give them up you're no longer living and just existing. Sometimes on this board people take thrift to the extreme.


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Modern Mom 15/12/29(Tue)15:19 No. 2790 ID: 418d7a

>>2788
>thrift to the extreme
Yes, because these people don't have money and never will because they are always spending it like the rest of us.
Controlling psychological needs? Heck, if you can do that you wouldn't need the advice in the first place because you could decide for yourself what you need and limit yourself to that.
No one is going to benefit from your advice OP, and its not because its bad advice, it's because the reason people are bad with money is because they lack discipline in the first place.
Once you gain discipline, it doesn't matter what you buy or how much you buy because you're always going to understand how much you should be saving and what prudent purchases are.
If anything, this advice will just lead those already undisciplined people down a cold turkey road where they will quickly believe is too harsh. They will grow to fear discipline and instead will return to their old habits.
A long, slow change is superior than focusing on specifics like beans or butter or any of that crap. That has nothing to do with money, thats just your preference and the limit of your nutritional knowledge.


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Modern Mom 16/01/30(Sat)16:30 No. 2806 ID: 716d81

>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.
I beg to differ. Sometimes disposable paper kitchen towels is the only ting that can do the job. Not that it should be used for everything.




Modern Mom 15/10/14(Wed)08:33 No. 2756 ID: 0fb81b [Reply]
2756

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Aw, this board is the epitome of what I do. I'll walk through my lifestyle. I've tried many things and kept only the things that have saved me money in the end. I don't care how others judge me, so I've taken things to the next level of weird:

My main motto in life when it comes to managing money is "Time is money". So even if I'm not at work, "chores" and other crap to me is considered work, or rather, unpaid work. So I deliberately avoid situations in which I'm forced to do more work than necessary (that is, by doing things the easier way).

1) I have carefully selected a place for me to live. One which is < 10 minute walking distance to my place of work. My job is perfect for me because I don't really interact with people much and I am sort of left to do my own thing (parcel courier). This ensures my employment because I cannot last 2 months in a customer service/work-with-others workplace without getting fired.

Also, note that this came first before everything else because it is top priority if you're looking to save money.


2) As a result, I no longer necessitate a motor vehicle. - $200 / 3 months for insurance, and $60/month for gas. And additional upkeep and maintenance expenses.


3) Rent your parking space out. +$50/month for me.


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Modern Mom 15/11/02(Mon)04:43 No. 2768 ID: 0fb81b

>>2763
Depends on what sort of comfort you're referring to. Obviously not being stabbed in the feet by needles or anything. But generally if its uncomfortable (like sleeping on a massage table), you will adapt and over time think nothing of it. It's the adjustment there and letting your body adapt to the changes that might be the hard part.

I don't really find sentimental value in collectibles or physical objects, so maybe that just depends on the person. If you lack objects that you depend on (not need), you will always adapt to your current circumstances without them and put that want behind you. Or at least for me. To find comfort in nostalgic objects and such is like a fixation on something that the mind always wants. Take that fixation towards learning or something. I take solace in my online lectures on math and physics.


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Modern Mom 16/01/11(Mon)01:06 No. 2799 ID: a9ab26

But, OP, what's your point in life? Being frugal is a virtue, yes, but in this summary you've not mentioned why you're saving this money, and you've not mentioned any sort of social interaction.

Don't you have friends that come over and question why you've plastic wrapped your house and are collecting lumber scraps, etc.?

Saving money has no purpose of itself. Are you planning on buying a sailboat and island hopping the Caribbean? Why do you so desperately need to save every cent?


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Modern Mom 16/01/28(Thu)05:15 No. 2805 ID: b41207

>>2799
maybe his friends are thrifty aswell...




Good first/low budget investments. Modern Mom 14/09/13(Sat)08:47 No. 2312 ID: 1862b0 [Reply]
2312

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Hey there guys. I am a hard working 21 year old, and I've set aside $1500 from wage slaving to begin an investment portfolio. I'm currently considering using a chunk of that money to purchase silver bullion, because it seems like a guaranteed profit over the long run. Pictured is the exact object with which I would like to start my financial future, a 1kg silver bar that can be had for only $629 in the current economic climate. Does anybody have any tips for the poor, wannabe investor such as myself? And is anybody else starting this journey or thinking about it?


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Modern Mom 16/01/02(Sat)05:55 No. 2793 ID: 8ff5ba

>>2787
How much should one put into a mutual fund?
What traits should one look for in a mutual fund?


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Modern Mom 16/01/06(Wed)16:59 No. 2794 ID: 31957b

>>2793
I wouldn't invest in a mutual fund. You can achieve the same return or better just by investing in ETFs tied to the overall market. Rarely do fund managers consistently beat the market year after year


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Modern Mom 16/01/26(Tue)15:37 No. 2804 ID: 7e287c

>>2793

The Vanguard mutual funds that are tied to the stock market are pretty good.

http://www.investopedia.com/articles/mutualfund/07/picktherightmutualfund.asp


ETF trading is a kind of basket, so I'm ok with that. Just remember, trade over the month, not over the day.

As for how much, you only have $1,500, do all of it. The more you invest now, the better you're going to be over the long run. ETF and mutual funds are low risk.




Modern Mom 14/11/17(Mon)09:41 No. 2450 ID: 704dac [Reply]
2450

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After seeing how cheap the blades for double edge razors are compared to the obscenely over-priced replacement blade cartridges, I'm interested in learning more about double edge razors.

It sounds like aside from being a fraction of the price, the blades even last longer since you can completely remove, clean and dry them, which is impossible with cartridges.

The problem: how difficult is it to shave with these things? Will a new user have a close shave at a fraction of the price, or a face full of blood-stained toilet paper squares? At this point, I'm forced to use the same dull blades that should have been trashed a long time ago, because I can't shell out the money for replacements.

tl;dr shaving for jews


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Modern Mom 16/01/07(Thu)09:03 No. 2796 ID: 2b6d78

>>2450
What about a straight razor?


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Modern Mom 16/01/15(Fri)13:08 No. 2802 ID: 44fce6

I use astra blades. 20 cents. I use them once and throw them away.
Double edge razors are easy to use. Just a different angle. And dont press down hard. Best shave ever.


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Modern Mom 16/01/21(Thu)12:03 No. 2803 ID: e2cea9

Right, here's my two bits. I bought a Mercur razor a little over a year ago now.
I go through one blade a week (Personna blades; you can get 100 in a pack for $20 on amazon). I have, however, forgotten to change blades a lot, and frankly I only realize at the start of week 3 when it starts to tug.

If you want to make yourself super smooth, hit your beard with some hair conditioner in the shower, shit feels great.




Modern Mom 13/07/09(Tue)07:49 No. 1469 ID: 50f3b5 [Reply]
1469

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Does anybody use a Japanese style futon to save apartment space? I was thinking about doing this, but I know nothing about this foreign concept. How does one go about buying a Japanese futon, and how do you use the damn thing?


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Modern Mom 14/05/27(Tue)09:06 No. 2105 ID: c1779b

>>1556
Is this the same case for hammocks?


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Modern Mom 15/11/16(Mon)19:27 No. 2775 ID: 418d7a

>>1470
actually I'm considering a futon myself because I read about the lymphatic system of the body and how it pumps waste out of your system, and its all based on movement. Comfort actually inhibits your movement during the night which may stop the automatic release of waste products via your skin


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Modern Mom 16/01/11(Mon)00:48 No. 2798 ID: a9ab26

Hammocks for life... they're effectively a $50 couch & bed that's super comfortable




Please help, thank you Modern Mom 13/10/31(Thu)04:35 No. 1720 ID: a9a501 [Reply]
1720

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Hello friends. I'm 18 years old and I'm getting kicked out of the house this summer.

I was just wondering if you guys had some tips on how should i stock up for this and what to do to prepare.

I live in Canada, I have about $3k saved up. I won't be finished highschool until middle of next year at best.

I was also thinking about joining the Canadian Forces.

So basically any Canadians here that know how to live cheaply or any sort of tricks I should know for living by myself?

Thanks guys.


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Modern Mom 15/11/12(Thu)02:44 No. 2773 ID: dc21fb

>>1819
most of them still live with their parents, I think.


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Modern Mom 15/11/13(Fri)01:19 No. 2774 ID: 8f8ac9

>>1754
Where i live you would only find spoiled mcdonalds and hot dogs that have been out for over 78 hours.


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Modern Mom 15/12/27(Sun)00:29 No. 2789 ID: e5fc99

>>1720
better get far away from them, and yes try joining the canadian forces,my grandfather did the same coz shitty parents




Modern Mom 14/05/28(Wed)03:36 No. 2107 ID: 477fbb [Reply]
2107

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I've seen a couple of international threads in there, but not a South American one, so I'm opening it with the hope that there's someone out there that knows a few tricks to make it easier to live in here with the whole inflation thing and such.
I in particular happen to be Argentinian, and my main issues are that I've been using the same pair of shoes for the last year, can't afford to take a bus in one of the bigger cities in the world, and (what happens to be way more relevant than the previous statements) my computer is about to crash in no time and I need to get one soon. Of course this is an open thread and you can discuss or ask whatever on earth you think is remotely relevant or constructive.
Also, clouds. They are beautiful and they are free.


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Modern Mom 15/12/16(Wed)17:00 No. 2782 ID: 6a28db

You ran out of social plans?


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Modern Mom 15/12/18(Fri)23:41 No. 2784 ID: 31b443

Buying stocks is always good for inflation. The price of raw materials go up, prices of goods go up, stocks go up to meet that sweet spot anyway.
If you can't transfer money abroad then buying physical, certificated gold would be good. Gold is still a worse investment in the long run because it doesn't produce anything and just actually costs to store.




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