Money Saving Tips - Discuss how you save money and spend less

[Get the rope Macaulay!]

Never buy new cars either, its such a fucking rip off,

this one hasn't been true since covid. cars 4 years old and new cars are the same price, except new cars have way less mileage and pretty great warranties.

, I refused to pay and still have a decent credit score, got sent to collections and still told them to suck it

>mfw

Lastly, find the richest neighborhood in your area and drive by before bulk pick up days,

the rich are also more likely to not eat all their food, so make sure to pick up their garbage and eat

 

[Falcos_Commisar]

Never buy new cars either, its such a fucking rip off, car max or enterprise car rental sales are decent and you can see the maintenances records for a rental car to know its been maintained.

Not anymore, maybe excepting off lease luxury cars or brand new European luxury cars and full size trucks/SUVs and EVs.

Car max is shit now, and dude..... Rentals are abused and nasty . Ex-Rental cars are disgusting and poorly maintained.

The biggest thing you can do is not buy more car than you need. A lot of brands sell 4 door and an engine with modern safety tech, heat and AC and 3+ years of warranty for under $30k all day and under $25l of you look.

this one hasn't been true since covid. cars 4 years old and new cars are the same price, except new cars have way less mileage and pretty great warranties

This. Used car prices went insane in late 2020 and haven't recovered.

Used to be a 1-3 year old car was a solid 15-30% less than a brand new one with less than 30,000 miles and you could buy the extended warranty for $1-$2k and be set for 5 years of powertrain issues.

Now? Fucking lol, the 1-3 year old used car will be within $5k of brand new, no warranty, beat to shit by the old owner, smell like weed and cigarettes, be covered in fucking dog hair, and look bad.

To get a "decent" used car, price wise, it'll be minimum 5 and more like 8 years old with a LOT of miles.

 

[biznbuy]

Car max is shit now, and dude..... Rentals are abused and nasty . Ex-Rental cars are disgusting and poorly maintained.

Its all what you make of it, there are new cars that get multiple recalls and are impossible to get rid of, like the fucks that buy the cybertrucks.

Rentals are fine, I had a buddy that worked at a rental car place, they always serviced them in regular intervals. Though I know someone that rebuilds classic cars so he always looks at a car before I buy it and is one of those that is obsessed with cars and brands, so tells me which to avoid.

this one hasn't been true since covid. cars 4 years old and new cars are the same price, except new cars have way less mileage and pretty great warranties.

might be true for 4 years and less here is an example that is a 6 years first one I found,
A toyota highlander le for example from 2017 or 2018 will go for less than 30K with 60K miles while new they are around 40 to 45K, just looked it up on carfax.

though i will agree, if you are just getting a car thats less than a year or two then there really isn't any reason to buy a used one, your not saving much money, even precovid it didn't serve much of a purpose. I also feel this is an argument I didn't try to make, so if it help I will preface it more, go for 6+ years and less than 70 thousand miles.
will also say that if you drive a shit ton like 80 miles a day then leasing makes sense, if you burn through cars that fast.

Now? Fucking lol, the 1-3 year old used car will be within $5k of brand new, no warranty, beat to shit by the old owner, smell like weed and cigarettes, be covered in fucking dog hair, and look bad.

again, where are you all going for used cars? don't go to some motherfucker in a sketchy part of town that looks like danny devito

the rich are also more likely to not eat all their food, so make sure to pick up their garbage and eat

i got nice shit for free, and resold some for money, im surprised anyone could be revolted by this.

also you do get a warranty depending on the dealership, and you can also buy a warranty as well depending on the place, its been worth it.

 

[Stan]

I buy my champagne by the case and that usually meets the free shipping minimum.

 

[Falcos_Commisar]

again, where are you all going for used cars? don't go to some motherfucker in a sketchy part of town that looks like danny devito

Local big name dealerships and CarMax.

Also, most people get fucked on interest rates on used vs new.

I don't because I have a credit union that's the same rate new vs used.

though i will agree, if you are just getting a car thats less than a year or two then there really isn't any reason to buy a used one, your not saving much money, even precovid it didn't serve much of a purpose. I also feel this is an argument I didn't try to make, so if it help I will preface it more, go for 6+ years and less than 70 thousand miles.
will also say that if you drive a shit ton like 80 miles a day then leasing makes sense, if you burn through cars that fast.

Leasing charges you for going over their idiotic mileage limits.

Now, you can get screaming deals used if you can target less popular cars that people lease or buy.....

For example, Toyota has a sub brand called Crown now. A sedan and an SUV, think halfway between a Toyota and a Lexus and made on Japan.

They're slow sellers and people will buy them and realize they actually wanted a Lexus or decide they're actually a ok with a Toyota. So they get flipped/traded in/returned gently used and $5-$10k off MSRP.

This also works amazing with luxury cars and stuff that gets repo'd constantly (Alpha Romeo, Challengers/Chargers/Mustang and certain BMW sedans for example)

 

[biznbuy]

I don't because I have a credit union that's the same rate new vs used.

I don't get leases I pay cash for cars and most things, I don't like helping ashkenazi bankers make a profit, but a credit union is the way to go for car loans. The rates you get there are very decent, I still don't because I can afford to not have a car loan of any kind.

Local big name dealerships and CarMax.

I've never bought a car that smells of weed and cigs and is beat to shit, from a dealership or carmax. They are in general trying to sell these cars, so one would imagine they do their best to present them in a favorable light.

This also works amazing with luxury cars and stuff that gets repo'd constantly (Alpha Romeo, Challengers/Chargers/Mustang and certain BMW sedans for example)

This is true, luxury cars you can get great deals on. Recently had a friend buy a used cadillac for doing marketing. Toyotas in general you can get great deals on depending on the model.

The guy I know who looks over cars told me that people who buy luxury cars tend to want to buy new cars, they want the new model with ass warmers and massagers. So depending on the make and model like you mentioned it can be a decent deal.

Honestly used cars/new cars buying and deals could be a whole thread on is own.

 

[NoReturn]

Thanks for rezzing the thread, guys.
Also seconding the credit union thing. Fuck big banks. You get better customer service with the CU anyway.

 

[COME ON OUT YOU RAPIST]

Is there a way to do couponing/saving money grocery shopping without having to give all my info to every store who wants me to sign up for their faggot card or app so they can sell my personal information to marketing forms?

I don't usually see like paper coupons anymore.

The globalists don't want you to know this but there are plenty of third-rate carriers who won't actually verify the name, age or address you provide them. If you aren't Seymour Negers and claim to be 125 years old they will happily accept your vanilla visa or crypto debit card, so long as the bill is paid on schedule every month. You can do this for $20 a month alongside a crappy yet app-compatible unrestricted phone if you just need something for verification or coupon abuse. It's also one way to get a phone number with a funny area code like the Las Vegas Strip.

 

[Hollywood Hulk Hogan]

Lastly, find the richest neighborhood in your area and drive by before bulk pick up days, you will find some really amazing furniture and shit, i fixed up a few wood pieces and sold them you can do the same with estate sales.

If you live near a college, I've heard doing that around campus apartments on move out days can be nice. Rich kids from far away will just throw out their furniture instead of moving it.

 

[toilet_rainbow]

Also seconding the credit union thing. Fuck big banks. You get better customer service with the CU anyway.

Credit unions can be absolutely worth it most of the time. Still worth comparison shopping rates. The credit union from my old neck of the woods has interest rates and fees that are near identical to Wells Fargo's. It was actually much more advantageous to go with a bank that had better APYs and next to no fees.

If you live near a college, I've heard doing that around campus apartments on move out days can be nice. Rich kids from far away will just throw out their furniture instead of moving it.

This is absolutely true. Not even necessarily because they don't give a shit about it, but because they literally do not have the space in their moving van, car, or storage unit during the summer. I've seen clothing, books, even appliances like rice cookers and toasters left outside to be donated or trashed during the end of the school year when I was in college.

Similarly, if you are still in college, see if your college has a private Craigslist or community page. It might be obsolete now due to Facebook Marketplace becoming more popular, I don't know. But I remember getting good deals from classmates offering old stuff they didn't want or have the room for (including textbooks) for little to nothing on my alma mater's.

 

[std::string]

This is absolutely true. Not even necessarily because they don't give a shit about it, but because they literally do not have the space in their moving van, car, or storage unit during the summer. I've seen clothing, books, even appliances like rice cookers and toasters left outside to be donated or trashed during the end of the school year when I was in college.

If you can figure out when the college apartments near campus call in contractors to clean stuff out that's when you'll find the good shit. Also make sure the Mexican contractors know you're watching them so that they don't steal all the good stuff themselves.

I scored a plasma TV like this back when those things cost thousands of dollars. Cost me a 24-pack and a friend with a truck.

 

[Sexy Senior Citizen]

Wash your tinfoil whenever possible.

 

[Freshly Baked Socks]

I have recently begun using gift card reseller sites to save 5-15% on my purchases at major retailers...

It has taken some practice to learn how each corporation treat their own giftcards, and shopping for cards through each major reseller - but for an experienced shopper, it adds another layer of savings on top of your everyday shopping habits.

 

[NoReturn]

I have recently begun using gift card reseller sites to save 5-15% on my purchases at major retailers...

It has taken some practice to learn how each corporation treat their own giftcards, and shopping for cards through each major reseller - but for an experienced shopper, it adds another layer of savings on top of your everyday shopping habits.

I always thought these things were in the realm of scams. How often have you been burned?

 

[Freshly Baked Socks]

Zero. But I did have to send a digital photo of govt ID and face doxx to one cardreseller to verify my identity. They have a system for reporting problems using cards, and its probably in a businesses best interest to facilitate commerce (ie not steal) to retain customers. Cardcash and Raise (know known as GCX) are the two I have used.

Mostly, I have felt burned when I buy a fast food card with only 5% discount on it, because it is more work to buy the card and use it, than the discount is worth. But, if I am spending hundreds of dollars regularly at big box stores, and can find 10%+ discount cards, there feels like an adequate savings to keep buying more used gift cards. Look closely at the details, as some cards are physical, not digital, and will be mailed to you (adding a week delay to your shopping).

ETA: A problem I have had, and learned from, was attempting to buy digital codes/cards at 3am... They may manually process orders, when office workers arrive at 8am. AND THAT WAS NOT IMMEDIATELY SATISFYING TO LEARN (you mean I gotta WAIT, for someone to PROCESS this order???).

 

[Major]

Buy concentrated fruit juices and dilute them as needed

 

[DeadwastePrime]

Buy concentrated fruit juices and dilute them as needed

>not drinking the full concentration
weak. pathetic even

 

[Tread Miller]

Speaking of dilution, filling shampoo/soap with water when its running low

 

[Nagato Kai Ni Surigao]

I always thought these things were in the realm of scams. How often have you been burned?

I was under the impression that gift card resellers are downstream of the indian scammers asking grandma (or kitboga) for google play gift cards. Get gift cards and sell them at a loss to launder the money.

 

[Fascist Kirk]

Not going into debt, Don't be employed, self contract labor, and charge your own rates. Avoid Corperate stores like krogers, wallyworld, and shop at employee owned non traded stores if you have money, demand your bank give you fair market interest or pull your account from bank.