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

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During covid lockdown shit I kneaded fresh bread for my kids when everyone else in the country was starving for it. It was excellent wonderful bread the best bread but fuck did it take time. I spent half my day making fucking bread. A bread maker might make it easier, but a loaf of bread costs a buck fifty post covid. It was 79 cents pre covid. If you eat that many sandwiches I wonder about your health. Besides that, how is canning frozen fruit jelly cheap? And how is it even safe? Store bought fruit is expensive. When I was poor I would go out in the woods and pick black and dew berries to make jam. When a jar of jam only costs a couple bucks, is it really worth it when your ten dollar bag of frozen berries reduces down to a couple of cups and the effort of turning that into jam results in ten dollars worth of jam? BTW botulism loves canned foods. The only time you hear about botulism now days is in reference to canned foods or if your wife gets pregnant and the nurses tell her not to eat canned foods or feed them to her baby.

There is nothing like fresh bread or homemade jam, but it doesn't belong in a money saving thread. I could buy a month's worth of jam and bread with the labor that it took me to write this post.
Its okay to not like my tip, I wont force you to do what I do. Where I am, bread is near 5 dollars a loaf on average so yeah it saves money to not buy it each time. Jam/jelly is on average 4 to 6 dollars per 6 oz, if I buy a large bag of frozen berries for around 13 ish dollars, I can get 4 maybe 5 six ounce jelly jars from that. I also halve the sugar the recipe calls for. Berries have an acid content high enough that botulism cannot grow, plus each recipe always calls for a bit of an additional acid like lemon juice to be safe. Vaccum sealing the jars in a boiling water bath is easy, and other goop wont grow in a vaccum. Its also very easy to tell if something is not vaccum sealed properly. There is a fantastic guide from usda which explains in depth all kinds of procedures and recipes here https://nchfp.uga.edu/publications/publications_usda.html#gsc.tab=0 Idk where you live that this food is so cheap, maybe consider not everyone pays the same for stuff depending on their location. Happy for you that you dont need to go through all this food labor, not sure why you took the time to reply to me if it wasnt worth your time to type it out though.
 
Love this thread, glad to see it still going with so much good advice!

After a week's long standoff between him and an urban bush turkey who wanted his compost heap for an incubator pile, my housemate finally got to the point he was able to put seedlings in. Which were promptly eaten...

...by bush rats, this time around. With all the time and money spent fucking around feeding the wildlife, it was much cheaper and easier just to buy what we needed from the supermarket.
You should've put out some traps, then you'd have fresh meat to go with the fresh veggies lol. 😁

Not trying to be argumentative, just constructive, so let me pose this as a question instead: How?
It's never too late to start. When I was at trade school, we had plenty of guys in their thirtys and fortys training. Look for financial aid, FAFSA. I'd recommend this before you move
Yes, this. My father quit his office job at 40 and became a handyman/contractor with no prior experience. Back then it was less formal and fewer schools to learn at, so he picked up the trade working with a local construction company for a year before starting his own gig.

Related question about saving money in the longer run: how exactly do I know if a thing I'm gonna buy/consoom will serve me for years, if not decades? Is doing so always gonna be a shot in the dark?
I'll echo the advice others have already given, don't go for the cheapest version of anything. You get what you pay for and cheap stuff will break sooner and cost more in the long run. The majority of my tools, etc., are from 20+ years ago because I bought decent stuff - but not necessarily top-of-the-line, the most expensive model usually has features I don't need and won't use. I tend to go for the middle brand or model when there's multiple choices. Also learn how to maintain/fix equipment when possible, whether tools or appliances or whatever. Yes that includes the occasional duct-tape jury-rig, "it's ugly but it works fine!"

A lot of people despise the "cut out your Starbucks" advice, especially if they don't drink Starbucks to begin with. It's sound advice, however, especially once you apply it to other daily expenses/indulgences. <snip> maybe cutting your consumption in even half can help you even short term if you're truly struggling.
This is great advice, recognize your weaknesses and force yourself to reduce or eliminate them - especially if wasteful or unhealthy like fast food, or chips & soda all the time. It's hard at first, but it develops into good habits which continue even after you're no longer struggling.

Eliminate that $5 or $10 or $20 a day of wasteful spending, plus the other money-saving tips in this thread, and it's amazing how quickly you can get on track to having real savings and still afford the occasional well-deserved indulgence like a nice dinner out, or annual vacation, or whatever is truly important to you. Delayed gratification is much more rewarding than an overpriced fattening latte every day from Starcucks.

Another good tip - don't be too proud to take hand-me-downs or other free stuff. Many communities have Facebook pages where people post items they're getting rid of. Just in the past week I've seen couches, lamps, cabinets, desks, children's toys & clothes & books, workout equipment - all for free in my town and sometimes like new.

This can even apply to electronics. If you work in an office make friends with the I.T. guys, you may be able to get equipment that's being decommissioned (i.e. thrown out). Over the years we've gotten pc's, monitors, hard drives, memory, cables, keyboards, mice for free.
 
dont worry gang, i asked the ai for the best financial advice i could ask for
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Smart" devices suck ass. Something like an old stand mixer or a sewing machine is going to be easier to maintain over a longer period of time than one where the clip might die or a gremlin gets to it just to fuck with you.
I know people that work for appliance manufacturers that will NEVER buy a smart appliance. Especially not a fridge. Those things collect a shit ton of data on you and people that analyze it know pretty much everything about your life. It’s a bit unsettling.
People my age or younger usually do all our transactions electronically and it's actually difficult to find ATMs because the banks and the government want to phase out physical money. Some businesses, particularly in newer or more expensive suburbs won't accept cash anymore. Nevertheless, I decided to try the cash method, because it's worth a shot.
I’m the opposite of this for some reason. If I have cash it’s like it is just fun play money in that it doesn’t count really. Using my cards is a little harder because I scrutinize by bank statements at least twice a month and that’s where it hits me.

Also, for those of you that have trouble saving as a habit see if you can have a certain amount withdrawn from your paycheck at least once a month the same day you get paid. It sucks to see less cash in your account at first, but go to a compound interest calculator and see how far that saved money gets you in 20, 30, 40 years even with a conservative rate of return. Compound interest is amazing.
 
Soooo...

I am very proud to report that for the last two paydays, I have had money left over from the fortnight before. Not hundreds of dollars, but any surplus is a big, big thing for me. Usually by the second week I'm scrounging for milk money. This is a Big Deal for a compulsive buyer like myself. Speaking of compulsive buying, last fortnight's unplanned spending was limited to two items. This is another Big Deal.

I've set up a savings bank account that allows me to allocate funds for separate specific goals, and generates graphs on how far I have to go for each goal. This is extremely helpful with my weird information processing issues.

I've been buying frozen junk meals like pizza and fish fingers etc. Weirdly this has really helped with my takeaway issues, because I'm not going to order pizza if I already have some in the fridge. Frozen pizza is over priced, but not nearly as much as fresh pizza. I am allowing one night a fortnight for takeaway, which seems to be working too.

At some point I'm going to have an other 'episode' and go spendy, but for the time being I'm going reasonably okay.
 
I've been buying frozen junk meals like pizza and fish fingers etc. Weirdly this has really helped with my takeaway issues, because I'm not going to order pizza if I already have some in the fridge. Frozen pizza is over priced, but not nearly as much as fresh pizza. I am allowing one night a fortnight for takeaway, which seems to be working too.
wait until you get this ingredient called flour so you can make your own pizzas from scratch as well as being able to make other things with it like bread and fried foods. game changer.
 
wait until you get this ingredient called flour so you can make your own pizzas from scratch as well as being able to make other things with it like bread and fried foods. game changer.
I've got issues with executive functioning and sleep, not to mention a housemate... sometimes cooking is a bit beyond my capabilities, especially if I've not slept for a few days. It's either freezer food, takeaway, or a bowl of cereal.
 
wait until you get this ingredient called flour so you can make your own pizzas from scratch as well as being able to make other things with it like bread and fried foods. game changer.
I like saving money, but I like saving my time more. You can always make more money but you have limited time in this life.
 
Get good at excel. I mean the whole nine yards: layouts, conditional formatting, formulas, etc. Don't just use it to track your spending (still very helpful though) but also set it up to predict savings and upcoming expenses. Believe me, seeing that cell at the bottom and thinking " I could have THAT MUCH by the end of the year if I don't waste!" is a great motivator.
 
This one is location specific: cross border shopping.

I live across the boarder from the states. For me its totally worth it to visit the local Walmart on the US side. Not everything is cheaper but some stuff is.

Totally worth it after currency conversion:
  • eggs
  • milk and dairy
  • diapers and kids clothing
  • car parts and liquids, winter tires
  • tools and hardware(Harbor Freight)
  • spaghetti and pasta sauce
  • frozen veggies

Not so worth it:
  • fresh produce
  • some appliances like lawnmowers and snow blowers
Another thing: Go the the local US post office rent a mail box and order from the American Amazon. So much cheaper and a way bigger variety.

Thats location dependent as mentioned because I m Canadian...should apply to US/Mexico if you live close enough. Calculate the gas/transportation costs. If you live in Poland, your destination should be Ukraine...just learn to dodge Russian bullets.
 
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.
 
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.
Use your grandmas or moms number. There are some grocery chains that require a phone number to get savings and I always use my grandmas number. I've been doing it since I was old enough to buy groceries (alcohol). It's her old landline number from a house she sold many years ago and it still works. If you want to sign up for emails or whatever, nobody is going to check your ID. You can put whatever you want and use a burner email. It's going to get filtered as spam anyway.
 
A trick I've been using for years is to just.... Sleep on it with bigger purchases.

Something costs more than $X amount? Don't buy it now, go to bed and think about it the next day.

Also, plan out large purchases and if the item you want is still on your mind months or YEARS later (I waited nearly two years to buy something) then get it.

If you can't remember what it was a few days/weeks later it doesn't matter so don't buy it.

Also, ask yourself, "will item X make me happier or make my life easier/more pleasant?"

Don't be afraid to buy used, especially more durable goods. Wait for sales and the like. 99% of manufacturers and retailers put things on gold discounts November - December with inventory clearance happening in January.

There will usually be another sale wave around late May and a small one around labor day.

Oh and lastly, try to sell stuff you don't need before giving it away or worse, trashing it.
 
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bit of a jew answer but you can not pay bill less than $100 dollars depending on whose demanding and the place.
Once got charged for some medical test on a family member who was unresponsive in a hospital, not sure how they consented to be honest.
regardless, I refused to pay and still have a decent credit score, got sent to collections and still told them to suck it, obviously not something to abuse, probably.

If you have kids in your near or immediate family, id highly recommend finding a group on facebook or some other social media that sells or gives away used toys and clothes. kids burn though both insanely fast

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.

Scout out churches, some offer super cheap meals on sundays, not religious. Don't really like religion but if you are like me then just fake it. it helps you establish a network of people you can find business opportunities and jobs from.

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.
 
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