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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 [Reply] [First 100 posts] [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 25/04/21(Mon)00:21 No. 4326

>>4325
It's not that easy now. They have computers that scan applications and resumes to determine if you're a good fit for the company. If it doesn't score above a certain percent based on key words, it gets deleted and never makes it to HR for reviewing.




Modern Mom ## Admin ## 12/08/17(Fri)01:43 No. 1 [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 24/07/15(Mon)13:52 No. 4046

>>3957
Found the Chinese random phrase spambot.




Why are boomers so god damn stupid? Modern Mom 25/04/24(Thu)23:41 No. 4338 [Reply]
4338

File 174553086074.png - (461.63KB , 626x920 , idiot.png )

Like what actually causes this abysmal level of retardness? The fuck even is this shit? Is it the lead in the water or all the acid they took in the 70s? Fucking christ man


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Sniveler 25/04/25(Fri)22:19 No. 4343

My fucking boomer mom is gonna vote liberal again in Canada literally just out of habit she's too lazy to do research she says her quality of life hasn't changed and technically that's true because we all just scrape by in poverty. Poverty never changes. But she's never known any different. I guess boomers are just in a stunted retarded "survival" mode and hate change.


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Modern Mom 25/04/25(Fri)22:40 No. 4346

>>4343
Day of the pillow soon.




Need Trading Advice Sniveler 25/04/25(Fri)22:15 No. 4342 [Reply]
4342

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I am 35 and broke and jobless.

I'm gonna gamble it all on crypto.

What is the most secure and trusted trading app and wallet? What are your favorites?


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Modern Mom 25/04/25(Fri)22:20 No. 4344

>>4342
You're fucking retarded, don't do that. Actual stocks are low as fuck right now, it's still in a dip. You may as well buy lottery tickets if you're going to do crypto.


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Modern Mom 25/04/25(Fri)22:29 No. 4345

>>4344
Definitely this.




Cheapest tooth repair? Modern Mom 21/06/12(Sat)06:45 No. 3518 [Reply]
3518

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I have bad teeth and need to fix this. I'm 38 years old.


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Modern Mom 23/11/17(Fri)05:21 No. 3925

Cheapest? No dentist then. Here is your cheap route to dental health:

Buy hydrogen peroxide, baking soda, and a big tub of coconut oil. Cook and eat with the coconut oil, but make sure to swish with it at least ten minutes a day. I recommend swishing with hydrogen peroxide first for over a minute. It's up to you it you want to dilute it with water as directed. Brush your teeth with a coconut oil paste of baking soda.

Buy an immersion blender, and blend your food.


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Modern Mom 25/04/25(Fri)17:00 No. 4339

>>3925
I'am a chemist, and I sponsor this advice.


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Modern Mom 25/04/25(Fri)19:06 No. 4341
4341

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>>3518
Unironically drive to the closest Mexican border town. That's one reason there's so many snowbirds in Arizona. Yuma to be specific. Cheap meds, cheap vets, cheap docs, cheap dentistry.




When does total economic collapse happen? Concerned Citizen 25/04/23(Wed)20:17 No. 4335 [Reply]
4335

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That's a lotta dollars in a very short time.
Surely this means economic reset/Greater Depression/Stonk collapse/Civil War soon?
Why do we even have a non-government Federal Reserve Bank that creates dollars out of nowhere and then lends them to the US Government at interest instead of the Treasury just printing money on their own for free?
Total Boomer 401k collapse too?
What should I be doing to survive from now until 2050?


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Modern Mom 25/04/23(Wed)20:56 No. 4336

>>4335
The Federal Reserve Bank is supposed to be immune from political influence. For the most part, it is. The issue is banks and governments profit heavily from debt-based money, even if it's worse for the public in general.
It also isn't without its pitfalls, like in Guernsey for example. Guernsey's now considered a tax haven because they levy zero taxes on capital gains, inheritance, capital transfer, value added (VAT / TVA) or general withholding.
So in other words, while it would seem good to have the government take over printing the money for free, it'll just make things worse in the short term, and there's a lot of benefit to having it outside of political influence.


>>
Concerned Citizen 25/04/24(Thu)15:20 No. 4337

>>4336
It looks to me like right now the problem is:
>Government needs moar dollars because budget has a huge deficit
>Government borrows money first from not-the-Federal Reserve, whoever is offering
>Once alternate funding sources are dry, tell the Fed that the goverment needs exactly 235,822,251,298.02 to cover the remaining shortfall
>Federal Reserve prints the dollars out of nowhere and demands the government pay them back at interest (but the dollars to cover that interest don't even exist, so someone is going to have to default/bankrupt somewhere along the chain).

How is this better than replacing the final step with
>US Treasury prints the shortfall at zero interest
Then it isn't a loan that creates an impossibility of repayment.
Of course the better solution is just having a balanced budget.


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Modern Mom 25/04/25(Fri)17:04 No. 4340

Is this graph showing the amount of money in circulation? Surely we would have known about a 4x increase in 2020.




BEAN 22/01/28(Fri)06:42 No. 3621 [Reply]
3621

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I am a traveling anon, and wish to offer /jew/ knowledge about BEANS.
What follows is an "iron diet" specifically for people who live in western countries, and face poverty due to cost rather than lack of income.


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Modern Mom 25/01/14(Tue)12:26 No. 4212
4212

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I just want to take this opportunity to mention that garbanzo beans/chickpeas are similarly cheap, easy and nutritious (also possibly less prone to causing gas). I've been eating them a lot more than normal beans lately because I prefer the taste.


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Modern Mom 25/02/20(Thu)10:02 No. 4259

>>4212
Well BEANed


>>
Modern Mom 25/04/22(Tue)17:46 No. 4334

>>3621
Beans are very high in oxalate and will absolutely fuck your kidney up if you overeat them for a long time.




Modern Mom 25/02/11(Tue)15:13 No. 4245 [Reply]
4245

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what would YOU do if you ingerited 300k USD and had no debt? enough passive income to retire would be great. maybe get a plumber and a truck to work for me or smth
pic unrelated i was mad about crackers


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Modern Mom 25/04/17(Thu)01:52 No. 4310

>>4309
imo, jobs overall aint that bad. especially on a 4-10 schedule. im just tired of not being able to own a home, or even just take a month or two off between things to find a better one. or having a week long vacation or big car repair wipe my savings. doesn't help that i'm terrible with money, but it's not easy when you work 40 hours a week and dont wanna put that effort in.

my biggest point is that "passive income" on a decently big windfall like $300k is a bad idea, and the easiest way to surefire improve your life is negate the mortgage/rent/car payment and call it a day. im over the doom and gloom of work, i just want to make the most of my time off without being so stressed about my future's bleakness that i lose my personal motivation in my free time.


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Modern Mom 25/04/21(Mon)00:35 No. 4327

most likely same as now but now with more money. lived too long the way i did to want anything else. you don't just let go of your neet hermit ways after living so for decades


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Modern Mom 25/04/22(Tue)17:11 No. 4333

>>4245
invest 10% of it in bonds and the rest in voo. lowest mgmt fees of all the s&p500 tickers.




Modern Mom 25/04/21(Mon)03:10 No. 4328 [Reply]
4328

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People forget man, buying physical silver is a hedge against hyper inflation.


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Modern Mom 25/04/21(Mon)15:36 No. 4330

>>4328
This but unironically

Also gold is a slightly better hedge, silver is slightly more speculative and volatile, but both are good.


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Modern Mom 25/04/22(Tue)17:10 No. 4332

>>4328
silver is better for transactional value. ie take some silver coins and buy some bread.
>>4330
gold is a better store of wealth. you probably wont be buying groceries with a gold coins/bullion




Post-Modern Mom 12/11/05(Mon)03:48 No. 468 [Reply] [First 100 posts] [Last 50 posts]
468

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If I were to start stealing things from stores to save money, how would I go about it? Related question: If I were to begin selling things I stole from stores, how would I go about it?


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Modern Mom 25/04/20(Sun)06:26 No. 4319

Case study two: asset management

Recent migrant has no household items, no clothes, they don't actually have enough money to buy all these things. They attempt to become a normal functional member of society by stealing an entire household worth of sundry items.
They burgle houses, ransack one store after another, very common they will loot a store then "dump" the items in their own community, it's often communal theft.

So what that might look like is a displaced person/migrant trying to steal and entire rack of T-shirts.
Nobody needs 100 of the same shirt, nor do they really have any resale value- but they have barter value. so the next week every immigrant from that suburb will be wearing the same shirts and the thief will barter one household item off each of them.

Problem: asset management
The thief has 100 identical shirts, which everyone will assume are stolen, will have 99 at the point they try to dispose of the first because, these items have so little resale value they are hard to wash. This migrant will be caught with the actual items, often wearing items stolen from 6 different stores.
I arrest this person the second I see them; because they're about to steal $200 worth of a single item and try to sprint out the door and down the road like a wilderbeast. And I just assume police will arrest them for possessing stolen property from previous thefts.

Solution:
Steal things, deal in stolen things, buy stolen things- but not all at once. Don't swap one stolen thing for another, don't wear stolen clothes while stealing clothes. Have a plan to dump the assets. It's not uncommon I just walk up to these people's cars and can visually observe a car full of stolen items before they even come into the store


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Modern Mom 25/04/20(Sun)07:02 No. 4320

Case study three: risk assessment

A professional thief relies on income from theft, but doesn't need revenue straight away, has a garage full of stolen items on someone else's land, nothing in their house is stolen, they aren't on bail.

But one week they miss-judge the risk, pick the wrong mark, and suffer a loss they can't recover from.

Mom and pop have no store camera, the store isn't easier to steal from, there's a risk they could be beaten up. pop just punches the thief in the face and they run away with a black eye. for most thieves this wouldn't be a problem, but for a pro it means they are visually identified entering every store they want to inspect, so they might be suspected at 30 different stores for every single store they actually steal from. Long term, being so broadly suspected of being a thief is something they can't recover from.

Someone resorts to stealing meat from a supermarket on and off when they lose shifts at their job. The supermarket doesn't press legal charges for individual items stolen especially if the thief is making ordinary purchases as well. They earn more from the thief than they lose from the theft.
The thief steals from a private butcher, thinking it's just the same meat, which it is.
But the private butcher is part of a merchants association which has a private legal fund, and presses charges with association money, so the thief gets a criminal record over $10 of sausages and looses their job.

They didn't asses the nature of the risk correctly.
There's no moral here, this is basically how 90% of the thieves get caught.
walk into a store wearing items stolen from a different store, get beaten up and subsequently marked, cop a charge and have to post bail then caught again while on bail.
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Modern Mom 25/04/20(Sun)07:38 No. 4321

Smart strategies: Things that make our lives hard.
You might wonder why I'd just tel you this, it's because there's no structural reason for me to protect retailer I don't work for. If they don't hire me, theft is their problem not mine. Morally? story for another day.

1. Duplicate Item theft.
This is when you buy something, and steal the same item at the same time. So you might scan only one of two items on the self check out, or carry out the same shirt in a different size. on CCTV it becomes hard to prove which item you were carrying, and at what time, and to separate you from other shoppers.
If you put two chocolate bars in your pocket, pay for one, I don't have shit on CCTV. you would just say it's footage of you picking up the item you paid for. even if you were eating the chocolate bar in front of me and produced the wrapper, I cant prove how many you've got stuffed in your chipmunk face.
2. shelving.
I can't sexually assault someone in the course of a search, so if you can shove a stolen item into your anus, it's yours. I'm just not paid enough, neither are cops. I cant remove someones underwear, even if I see a phone charger in your underwear I can't photograph that, or remove that. This is why the bathroom is the epicenter of petty theft.
3. FAST theft
Stealing volumetric products rather than consumer items. petrol, oil, individual slices of bread, single batteries, one CD from a set.
This is so stupid, but we don't barcode the bread itself, the mince meat itself. If you just pull a fistfull of mince meat from a pack and put it in a plastic bag I can't prove it was even our mince meat, or how many slices of bread the bag had in it to begin with. when you see this its like...jesus christ, fml, this nigger stealing individual slices of bread from 6 different bags.
4. change ups.
Yes, still works in 2025. registers are designed so clerks can't go backwards in the process to add extra items but if someone receives cash in their hand, as a rule you can change them up. It's a punk move because you're always on CCTV and can only claim you did it by mistake if you aren't on CCTV in 20 different places trying it. But thieves move around a lot, they will still do it especially if they aren't store thieves.
5. mobbing
When you get more thieves into a single store than the store has employees. 20 kids come in at once and just start throwing items between each other. people who exchange items in their carts with other shoppers.
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