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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

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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.


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.


Basic income budget rule is 70/20/10

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Ilken 15/11/11(Wed)14:07 No. 2772 ID: 651c8a

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

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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

Extreme coupons Modern Mom 15/08/10(Mon)21:59 No. 2644 ID: 885a14 [Reply]

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I witnessed a show where families used coupons to reduce their checkout bills by ridiculous amounts.
A girl was shopping for eligible items, they weren't very useful and she was getting huge quantities. The final bill was $680 with all her coupons she reduced it to $27. For the quantity of crap she had that's outrageous, she could start her own shop.

How did she get those coupons? Aren't they one per customer or something? If you know tell me of the weirding ways of the coupon clippers.

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Coupon Clipper 15/10/07(Wed)05:07 No. 2751 ID: e4f690

Good starting point:

Modern Mom 15/10/29(Thu)23:11 No. 2767 ID: a6c475

Retail worker here. We call people like that "coupon nazis." as long as you aren't a bitch about it (like most of the people on the show you watched), cashiers wont hate you. You can normally get them from the Sunday newspaper and websites that offer print-off ones. I've seen people buy newspapers in bulk because, hell, you can find $3 off coupons for trashbags or other shit in them. It's worth the $1.25 per paper.
Also, take advantage of digital coupons some stores are offering now. Dollar General has one where you load coupons on your account and use your cellphone number as an ID at the pinpad to use it. They offer $5 off $25+ (sometimes $30 during the fall) coupons on saturdays. You can either get one by making a purchase on any day before Saturday (it'll print on any receipt), or through the digital coupons. I should also note that sometimes these digital coupons stack with physical coupons. You can sometimes get away with using one-per-customer ones if you just don't mention the digital coupons and give the cashier the physical ones after running the digital ones.
Meijer's offers a similar digital coupon system called MPerks, though I haven't tried it yet, so I'm not too sure how it works.

Modern Mom 15/11/18(Wed)04:00 No. 2776 ID: 1b65de

When I worked at Jewel, I actually saw a person start making money with the coupons she used. Which meant the manager came and asked her to leave. So don't go over board with it.

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

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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 14/05/20(Tue)08:31 No. 2100 ID: 477fbb

Would you have sex on a chair that also serves as bed? I've heard they charge you extra for that kind of service.

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

Is this the same case for hammocks?

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

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

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

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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 14/11/26(Wed)17:37 No. 2474 ID: 205b0b

don't die

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

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

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

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

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

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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 15/10/26(Mon)05:19 No. 2763 ID: eb89c4

What about comfort? See, I consider comfort a resource that helps "pay" for stress. Wouldn't it then be rational to invest in comfort so you improve your performance in areas that tend to cause you stress?

Also, there's studies that show that things like posters, collectibles etc. help you emotionally regulate yourself.(Secondary source - "Snoop" by Sam Gosling). Again, wouldn't it be practical to own some items that you can strategically look at when you need to feel the emotion that is associated with them?

I'm quite curious what you have to say about this kind of approach.

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

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.

Modern Mom 15/11/07(Sat)08:55 No. 2769 ID: bbcc9a

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makes perfect sense

LIFE HACK! Modern Mom 14/11/19(Wed)01:32 No. 2456 ID: f26904 [Reply]

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How it works: If you own a lot of earrings, they can easily get lost or disorganized. Pinterest and other websites have a lot of ideas to help, from hanging them on cheese graters or sports rackets to replacing glass in a picture frame with wire mesh.

How it actually worked: I didn't have a cheese grater or tennis racket to spare, nor the time to measure and tack mesh over a picture frame. So I started looking around the house for other candidates. I had a mesh magazine holder that held glossies from 2011. Bingo.

Life changing?: Yes. Not only did I recycle the magazines, but I also upcycled the office supply into something more functional. I put the pairs of earrings I had on one side, and single earrings on the other side, in case I find their matches. I ended up filling the inside with my bangle bracelets so I got double storage with one item.

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Modern Mom 15/01/08(Thu)18:19 No. 2514 ID: 2044f4

Why didn't I think of this? Thank you!

Modern Mom 15/01/08(Thu)18:32 No. 2515 ID: 920615


Modern Mom 15/10/27(Tue)07:53 No. 2765 ID: 169f1a

Capitalistic cancer

Bicycle for Colege Jew Modern Mom 13/09/08(Sun)20:17 No. 1602 ID: e87c99 [Reply]

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Hey jew. I am a new broke college student. I have perfectly good feet but they don't move fast enough. What do you guys think is the best legal way someone like me could acquire a bicycle or longboard without breaking the bank.

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jewer!Uzj0C74xTg 15/10/11(Sun)00:52 No. 2752 ID: 7600ba

sell old bike get new bike easy as that

Modern Mom 15/10/13(Tue)14:30 No. 2753 ID: e91f76

On Gumtree or Craigslist (forget which) my bro searched for free giveaways, the only proviso being you have to show up to take it away. He got a good looking bike with a flat. Being as lazy as he is he never replaced the wheel and then blew $1500 on a fixie bike. What a waste.

Modern Mom 15/10/26(Mon)05:03 No. 2762 ID: 717f10

craigslist is not some magical place to get a good bike, maybe every once in a while, but most people are selling 88 dollar walmart bikes used and beaten for 50 dollars on craigslist. Its hardly worth selling this shit, and the bikes they sell are usually near-worthless in reality.

Also, I have some 600 dollar bike from years of yore, and the thing is just as shit as some cheapo bike to a casual biker like me.

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

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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 14/07/29(Tue)06:42 No. 2213 ID: e22576

Basically it's just: make money, don't buy things you can't afford, don't buy things that are completely unnecessary, budget your money, save your money each month, consider each investment for time saved/enjoyment vs price.

Modern Mom 15/09/04(Fri)13:10 No. 2727 ID: 4c030b

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>Personally, I found rice more expensive because: (1) I had to buy a rice cooker

>I had to buy a rice cooker
>had to buy
are you serious? throw some rice in a pot, wash it with a little water, then put the tip of your thumb on the top of the rice and fill water up to your first knuckle. Bring to a boil then cover and simmer for idgaf 20 minutes for white rice longer for brown or jasmine. there I just saved you more money than all your posts saved me.

Modern Mom 15/09/26(Sat)03:03 No. 2737 ID: 7a116d

Ghosts, as an econ major I have to say this...

You're a moron, your list is shit, and you should feel bad. Though I can't fault you for trying at least.

Modern Mom 15/10/14(Wed)08:10 No. 2754 ID: f6925d [Reply]

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Long story short I might be getting an internship for a company in London, England over the Christmas holidays. I'm more in it for the work experience and resume than the money, but it's only a two-week placement and I've got to get there from Toronto. How can I do this without losing hundreds of dollars?

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