/biz/ - Business & Finance

>get rid of your parents
>get rid of your friends
>get rid of your self

>>168402
Kill and steal.

I've always been baffled by people who eat during movies. Just eat before or after.

Anyway:
>bake my own bread

>started asking the pizza guy for tips

>Don't go to movies, instead pirate them online.
>Look in trash for uneaten food.
>Live in tiny 1 room, 64 square foot house on unincorporated land in the middle of Wyoming.

>>168457
So is this /biz/ or /judaism/?

>>168436
You havn't lived until you've taken a chipotle burrito into a movie with you.

>don't eat in the movies
>don't go to movies at all if it's not a complementary screening or other situation where you're not the one paying
>don't own animals that don't do some form of profitable work (lay eggs, for example)

>>168436
More generally
>cook your own food

>>168504
>You haven't lived until you've paid $6+ for something that costs less than three to make

I don't use mind altering substances. I don't have cable. I use free Wifi. If I'm cold, I put a sweater on. I work out at home. I only eat meat every second day. I walk whenever possible. I drive a 1999 Honda Civic, and do my own maintenance. I tend to make or buy things second hand. When I do buy new, I make sure what I am getting is a high quality product that will last a long time with proper care. My hobbies are reading and drawing, which cost next to nothing.
Many of these things require a time investment, and so don't make financial sense if you would profit by spending to have that time freed up.

>>168576
How do you make something second hand?

>>168586
That was an error, my meaning was that I prefer to either make or build something myself, preferably from free materials, or acquire it second hand.

>>168576

Fuck your life, dude.

Cook your meals ahead of time.

Saved me a ton of money, and I avoid wasteage, and it helps me with my fitness goals.

>>168597
>ahead of time
What? You mean like the previous day or something?

>>168597
I agree with this wholeheartedly. Prepare things not only ahead of time, but in large quantities. The economy of scale applies to your life. By preparing your week's meals in advance, you save yourself time in the long run, and take willpower out of the equation. When toilet paper is on sale, you can confidently buy many months worth (unless you're planning to quit pooping). You're saving yourself gas and time, and ensuring you're never in short supply. It may seem trite, but time is money, and it helps to shave off these simple inefficiencies.

>>168595
Why?

>>168647
The difference is, week-old toilet paper works just the same, but week-old food is a lot less appetizing. There's ways to get around that, but most of them involve cooking it again anyway.

>>168657
Fair enough. I work 4 on 3 off, so on Sunday night I prepare meals for my work week, then make more stuff once the weekend comes.

>>168657

Yes, the taste of leftovers is pretty bad. However, I don't waste fruit, milk, eggs. I buy cereals (like oats or flour) in large quantities if i get hungry to avoid going to the store and spending cash.

I cook my lunches and dinners ahead of time and place them in a freezer, and then for breakfast I usually have eggs and oats/pancakes.

My food budget is about 50 bucks a week, but that's because of the meats that I buy for protein for fitness goals. If i did not have that goal, I'm confident I could reduce my budget to sub $30 a week no problem.

>cooking meals
>not just preparing a vat of nutritionally balanced, calorically dense gruel once a month and ingesting via feeding tube

It's easy OP

>don't buy brand-name foods
>pirate movies/music
>save leftovers
>sell extra stuff like posters
>turn lights off all the time
>stop showering
>sell tv set, who even still watches tv anyway
>sell car, bike everywhere
>sell home
>start stealing food
>only use computers in public libraries

I'm practically a millionaire

>>168764
That doesn't sound like the millionaire lifestyle.

>>168769
fuck you corporate shill good luck making money while trying to pay off your fucking mansion

I spend $300/mo on food. You can do things like that when you have a God-tier metabolism like mine.

>>168774
fatty

>>168436
What kind of breads you make? Just started experimenting with this. I've finally gotten the hang of basic flour, water and oil breads, and started experimenting with adding milk and eggs.

I can't believe how cheap this shit is to make. Pic related, the bread I just baked, no eggs, but 50% of the liquid is milk.

>>168436
>>168847
Is baking your own bread actually cheaper?

>save money
>spends 13 dollars for a movie theater ticket
holy shit you are fucking retarded.

>loaf of sliced bread costs a dollar
>baking your own

eat garbage

>>168911
No.

You should always use time as a cost and peg your time to a dollar amount.

>>168923
>eating non-fresh bread
>>>/murrika/

>>168943
Don't worry, they put something in it to make it permanently fresh.

>>168943
>lives in a place that doesn't bake fresh bread everyday
lol

Living at home with parents. One of my teachers moved in with her parents after getting married to save up for a house.
>>168487
Yes.
>>168597
Do you mean by making a large amount of food at once and eating leftovers? My mom used to do that before I was born. Doesn't work now because my brothers and I just eat all the food.

learn to carve a whole chicken
whole chickens are so fucking cheap

>>168992
>Living at home with parents.
Everyone should live in multi-generational homes with their families. The idea that people should dislike living together with their families - and, indeed, dislike their families in general - is, to briefly wax /pol/itical, a lie perpetuated by the Jewry of the construction industry. Living in a separate home from one's parents is of no benefit at all, provided that home is of adequate size, and if it's not, expanding should be a simple matter on a decent plot of land - and any family that stays together for more than a generation or two should be able to afford that in the country they work in.

>>168921
what if the movie was the Hobbit?

>>169035
The Hobbit movies are kinda shit, honestly. I saw them too, albeit not on my own wallet, and although they were good actiony fun, if you like that sort of thing, they really missed a lot of what made the book good. And if you just want action, there's always a new superhero movie out to do the job better.

>>168911
Yes, but there is a time investment.
Its fun as hell though and fresh baked bread tastes breddy gud. If you don't want to bake your own, the get fresh baked ones from the local grocer or Asian market, usually 2x as cheap as brand name, preservative filled shit.

On a side note, if you don't already cook 90% of your food yourself you really should, its worth the extra time in taste, health and savings

>>169051

Cooking for one is hard :(

>>168774

>300 a month

Nigga your metabolism ain't shit if you cant survive a week with only $20

>>168774
>$300/mo on food
>God-tier metabolism

>>169057
Get some rice ready, and some meat. Then you can whip up tacos whenever you want, or just have the rice and meat on a plate. Have some veggies and fruit around. If you want to be a bit more fancy you can make a proper meat sauce, maybe with a pasta to put it on. Stews work well too, with your meat, veggies, and potatoes all together. You can leave that in a slow cooker while at work or whatever.
For all these, make sure to vary the veggies because those are a big part of where your nutrients come from. If you feel a craving for something, get it, because that's your body telling you it has a nutrient you need. (note: If your craving is ice cream or marshmallows or something, you could just be a fatass).

>>169059
Surviving != thriving.

>>169057
Just start with something easy. Sandwiches with cooked meats are a good place to start, cause you'll learn how to start to brown and cook some meats properly. Maybe move onto pastas from there cause they don't require much skill, and can last a single person like a good 3 days. Maybe move onto learning to cook chickens or roasts from there. You can use the roasts for sandwich's as well.

I just sorta cook whatever was on sale at the market and make it work. I cook pasta once a week and eat it for lunch the entire week.

>>169084
Oh, and for tacos you also want cheese and salsa, but you can get pretty good rates on that pre-packaged at a super market. Some folks also like sour cream, and guacamole, but the latter is expensive.

>>168576
> I work out at home. I only eat meat every second day.
How do you get your protein? Cheese? Cheese is about as expensive gram for gram as tinned fish or chicken.

>>169173
Grains and lentils. I'm not intending to gain much muscle mass, I just try to refrain from turning into a sack of shit.

>>168402
I've been living on € 20 a month during February and it worked out pretty well, I'll try to cut down to 15 for March.

>>168487
/biz/ is pretty much /judaism/, after all we're all Rab/biz/ here.

>>168576
you should concern yourself with making money than being that frugal

if you continue living that life style you will probably commit suicide which is worse than say if you lived normally

>>169059
>forced Ethiopia mode on this forum
get a load of you /biz/plebs

Don't buy stuff.

>>169478
What does 1 days meals consist of?

Are you female?

>got rid of my pets

doge is kill

no

>>168923

Are we talking about shit tier bread?

A loaf of quality bread here costs like 4 bucks

I live with my parents.

It's fucking horrible, i hate every minute of it, but having roommates seems just as bad, and $600/week rent is hard to justify for living alone.

>getting my girlfriend to pay for my movie ticket because she wants you to watch some romance movie
>pirate the movie I want to watch
>start feeding my dog dollar store bagged food instead of food the vet preferred. The ingredients are all the same in every bag
started drinking water from the fridge instead of buying bottled water. Water plants are not any more purified then the job my fridge's filter does.
>collect scrap chicken body parts from farms for free to ferment into fish bait instead of buying chicken liver at the store
>coupons
>prepaid cell phone
>Netflix + Fox Sports 2Go > Cable TV

You find plenty of ways to save once you move out and become independent.

>>168764
>stop showering
baths use more water

>>170001
>only $600/mo

God, I wish...

>>170020
No, week.

I don't have a social life.
I don't go to the movies.
I cook my own meals.
I buy in bulk.
Pretty much the only thing I do with my spare time is read shit on the internet.

>>169908
Not the same poster but I do a similar thing € 30 is my limit .
I only eat every other day, rarely meat and I usually starve for the last 3 days of a month.

>>168847
For my daily bread I use a blend of regular flour, wholewheat flour, and ground flaxseed mixed with applesauce and milk. (Applesauce is a healthy egg replacement, without something you'll get a bad consistency imo).

>>168911
Unless you're buying the really cheap shit bread, yes. I can't eat that stuff.

>>168923
>loaf of shit tier sliced bread costs a dollar
fixed that for you

>>168940
Making quick breads (baking soda / powder instead of yeast) only take a few minutes to set up.

>>169021
No, the Jews don't need to convince me of anything, my parents legitimately drive me nuts. I love them very much, and I visit them about 3 times a week, but if I spend more than a week or two with them I'm just about pulling out my hair.

>>170001
>$600/week rent
Where the fuck do you live? That's what I pay per month in Toronto, and I'm like a 5-minute walk from the train station.

Anyways, saving money.

>No cable; use over-the-air digital antennas. >Buy quinoa and vegetable protein (lentils, beans, etc) from ethnic supermarkets, avoid brand-name foods, cook meals ahead of time to avoid wastage of food and time. Spend an average of $150 per month on food.
>Brownbag lunch for work, avoid going to fast food places, expensive and unhealthy
>Avoid going out to bars except for special occasions.
>Hobbies mostly consist of reading, anime, vidya and cycling, all of which are either free or relatively cheap. I go skiing a lot in the winter, though, which takes up a lot of money.
>Still driving Volvo 940 I bought used after 1st year university, shit is simple as hell to maintain yourself
>Don't drive downtown, take the commuter train you faggot
>Don't keep pets
>Don't have kids

My utilities and internet are included with my rent, so no real tips on saving for those. And I still go out to restaurants (albeit cheap, hole-in-the-wall ones) with friends every week. inb4

>m-muh poverty!

I'd rather re-invest the money and use it for a down payment on a nice house. I'd rather Jew it out for a few years and get an asset worth holding on to, rather than basically throwing my money away week after week.

>>168402
>going to the projected jew
i saved up for a home projector setup, and download or rent the movies. nothing beats watching big-screen movies and not even needing to wear pants

>>170043
If you are in conversation with someone and they ask, "so what are your hobbies?"... how do you answer?

>>170062
>Where the fuck do you live? That's what I pay per month in Toronto, and I'm like a 5-minute walk from the train station.

Rural Australia. Shit sucks over here, property prices are going up exponentially while property sizes are dropping.

>>170076
>Rural Australia
>Rural

Is it because of the mineral boom? We have something similar in Canada, I have a friend who's sharing a 3-bedroom townhouse, no garage, at $2000 a month in Fort McMurray. But if you're in the middle of nowhere I can't fucking see how rent is $600 per week.

Oh and also, I forgot to add:
>Never go out to movies
>Brew own coffee
>Use office coffee, take 25-cent Indian pastries as snacks
>Hypermile when doing highway driving

>>170068
You lie, dumbass. Say that you're a cyclist if somewhat athletic, say you like to read if not.

>>170068
Not him, but I always say something I will probably never have a chance to prove, like horse riding or downhill cycling.

>>170119
>downhill cycling
Tried that ONCE, fucking terrifying.

People say "well if you ski, it's the exact same!", except it isn't. You don't fucking ski on dirt with rocks and roots and trees everywhere.

>>170103
Partially because of the boom, partially because of the truly retarded amount of red tape that needs to be gone through to actually build a house causing enormous housing shortages, partially because our city council is either incompetent or corrupt. Walking down the main street here, every second or third shop has closed down because they can't afford to rent the storefronts, because the gold price has dropped and everyone with money to spend went elsewhere, yet the council says everything is fine.

>>170013
Who said anything about bathing? ;)

>>168487
I'm the biggest tightwad ever and all my family calls me a Jew.

>>168657
I poop at work
>I'm getting paid to poop!
>I'm using their toilet paper
>I'm using their water to flush and wash my hands
>I'm using their soap and paper towels
>they pay someone to clean the bathroom, and I have to scrub a little less when I clean mine
>I'm doing other stuff on my phone while I poop, so I'm getting paid to do that too.
Also I go to an internet referal site that also has forums where people post "hot deals" I just bought bulk paper towels, toilet paper, and printer paper at staples for basically nothing.
>5% staples rewards
>5% chase ink cashback
>plink cashback
>15% off breakroom items coupon (paper towels and toilet paper that were on sale)
>free after easy rebate coupon for 1 ream paper
>4.99 after easy rebate coupon for 5 ream case
>charmin basic 24pk
>8.5x11 case
>bounty 12pk
>1 ream paper
47.48
>2.37 cashback on cc
>2.37 staples rewards
>1.50 plink cashback
>5.79 easy rebate on 1 ream
>16.00 easy rebate on 5 ream
comes out to 20.45
>tfw still could have searched out .25 off coupons for the paper towels and tp if I wanted to be really greedy

>>170863
>poop without a bidet available

>>170917
>implying that's not what I'm using their sink and soap for
shiggy

>dont drink
>dont have pets
>dont eat out

>>170068
>If you are in conversation with someone and they ask, "so what are your hobbies?"... how do you answer?

Some cheap hobbies for refined /biz/nessmen:
> self-teaching yourself a language (or anything else)
> hiking, cycling, running, actually most outdoor activities
> reading, listening to music
> gardening (which can in fact save you money if you grow eatable stuff)
Just a few suggestions

ITT:don't live your life

>>168574
I think you meant 6-8 dollars on .50-.60 cents of popcorn

>>171070
rather be a brass cog than a snowflake in the wind.

>>168983
>leaving your house for something you can make in your house
lel

>>171041
>self-teaching yourself

>>170935
>walk in toilet
>see guy with ass over sink rubbing liquid soap over water

into the trash he goes...

>>168576
am I the only one around here that thinks this would be a decent life?

>21
>live with parent
>dad sends me money
>pay no rent, (paid by gubment anyway)
>pay nothing for food, if I need to eat (70p for 1kg oats)
>pay no internet, brother pays for it
>pay no taxes
>student loan, student grant
>part time job
>rarely if ever eat out, or buy anything
>library for textbooks, or pirate
>max poverty mode poverty mode

>>169693
It doesn't bother me a bit. I probably have schizoid personality disorder, but I don't mind.

>>171388
also
cycle everywhere, fixed gear bike
caffeine pills instead of energy drinks/coffee

>mfw people pay £5 for a coffee at 170mg caffeine, I pay 0.00001p for 200mg

>>168657
Cooking two days in advance is good. All you need to do is store it properly and when the time comes to eat it instead of microwaving it, I put it back in the oven and then add fresh condiments, or toppings.

>>170863
god dam

>save money
>movie theater

>>168402
Don't have any hobbies that cost money. The only problem is coming up with lies to tell your co-workers, so that they don't know about your hoarding lifestyle.

>>168402
>always save my $5 dollar bills
started in January already have $330 saved

>>168402
>tfw one of my hobbies is lifting
>$100 for membership
>$100 for protein
>$30 for gas
That's $230 per year. Less than a dollar a day. Great hobby that makes me feel good and doesn't cost much. I recommend picking it up.

>>170068
I don't have a good answer for that, so I'd be fucked if someone asked. But I'd probably say "Reading and learning." If they ask for specifics... popular science, current events, political philosophy, business news, technology news. I can be entertained by Wikipedia for hours.

>steeling food from your parents and friends

>>171974
>implying hording is a hobby

>buying water
>2014
>there are people on /biz/ that don't have a well

I mooch about 2 meals a day.

I usually only eat 2 meals a day

>>172170
> implying it isn't
I spend at least 3 hours per day researching investment strategies, reading news and /biz/

>>172170

It sure seems like it can be a hobby if Hoarders is to be believed. People go out and hoard and have fun while they're doing it (then come home to the harsh reality that is a house full of worthless sh*t).

>make food at home
>work at a restuarant, get free food or discounted food
>eat less

>>171375
Yes, you are only 1 in 6 billion people that share this opinion.

>>168576

You sound poor

>>172387
He probably is

>>171169
I meant the burrito.

>>171401
>fixed gear bike
Why?
>caffeine pills instead of energy drinks/coffee
Or just neither. It's also healthier for you.

>>171451
But if it's back in the oven that's a non-trivial amount of electricity you're wasting on the second cooking, for not much time saving. There's perhaps something to be said for preparing basic staples like rice in batches, but for the complete meal, I really don't see much advantage in not just cooking as shortly before you're going to eat it as possible.

>>168434

God dammit why is /biz so funny today?

We should totally start a /biz/ humour thread

>>168402
Bought a pair of clippers and learned to cut my own hair. Saves like $20 a month.

>>170863
please post said referral site

>>171070
Life is what you make it. I've tried living extravagantly and frugally. For me being frugal makes me happier at the end of the day.
I get more pleasure out of generally saving money and spending it where it counts rather than spending money relentlessly on things that seem more fleeting or material. Saving money makes me less stressed and allows me to focus on being content in each moment that I live my life. Each bit of money saved means I am one step closer to having the ability to up and leave my current location, or perhaps I'm just a bit closer to one day starting a business. In the event of an emergency having more capital at your command means it will undoubtedly have a smaller impact on you.

In the end having the option to do what you wish may be more important than actually doing anything at all. In life, you can either follow your passion or you can bring it with you.

>>173631
Saves $20/M?
I get a cut ~every 2 months and it costs me $9. Its a really nice cut too, no tard school shop.

>>173870
well said anon.

>>173873
Respectable gentlemen get a haircut at least once a month, if not every 2 weeks.

>>173883
Negroids do.

>>173874
It warms my heart to be reminded there are others who have had the same realizations as me.

>>171401
Energy drinks are shit and are of no benefit to consume but coffee is delicious and has some perks. The caffeine in coffee is usually an afterthought for me anyway.

Don't spend money on random shit (no matter how cool you might think it is)

Take advantage of free media/entertainment

Keep shopping trips to a minimum if you drive; fewer shopping trips = less miles driven = less gas used over time and overall less wear-and-tear over time

Don't do car repairs at dealerships

Always check for sales on essential items you regularly buy, and take advantage of said sales whenever they happen; combine this with keeping shopping trips to a minimum (if driving) and check for sales on said essentials, and buy if there is a sale whether you need the essentials just yet or not

Don't buy name brand anything unless the name brand quality is noticeably and essentially better than generic (for example, if buying the name brand item lasts longer than the generic and therefore the additional initial cost actually saves you money)

Don't be afraid to poop at work (although take care with wiping if the toilet paper is shit, which it most likely will be at any workplace)

If you don't need food variety, develop a consistent, healthy, cheap diet consisting of items you can eat almost everyday without getting sick of eating them

Don't eat out

>>173870
This

I can't remember how many times i've been in significant financial stress, look back at those 2 or three pizza purchases in one month or all those times buying from a fast food place, and thinking to myself, "Sure would be nice to have that 20 (or so) dollars right now".

Being financially stable means not having to worry about not having a place to live/something to eat/means to get around, something a lot of people miss.

>>173720
I won't say the name directly, but it has a "finance" forum, a "hot deals" forum, a "grocery coupons and deals forum" it's a cashback portal (hint: fw)

>>173883
>buy whal haircutting kit for $11 on clearance
>have qt gf cut hair ever 2 weeks or so
>she likes to do it nekkid so her boobs sit on my head and her nipples brush against my ear and she rubs them in my face

>>174128
>implying your qt gf isn't the largest expense ever

>>171195
what the fuck

>>170068
I answer video games or biking. I mostly just bike for the sake of transportation, but it's a nice alternative to browsing the internet.

>>168576
My fuckin nigga.

Same thing here, but I don't have a car.

It puzzles everyone, and causes them mental distress when I say 'I don't drive'.
>don't your legs get tired?
>arent' you afraid you'll get hit?
>don't you get cold/hot/wet/freezing outside?
Its like their mind can't process the thought of someone walking further than to a mailbox or some shit.

I'm just too fucking cheap and lazy to get a car.
I live in bumfuckingnowhere, where everything is within a 2-3 mile walking distance, and cheap as hell.
Also I live by myself. No roommate, boyfriend, or family to fuck with my finances.

All my disposable income goes towards keeping myself neck deep in computer shit and vidya.
If I want something, I just save up for it and get it.
If I want to travel, ...I just save up for it and go.
((Last year I got a ride to the airport and flew to Shitcago, just to eat some shitty hot dogs and cheesesteaks and bullshit with a friend. Next year i'm planning on going to Puerto Rico, or some other warm place down south))

Life is good, amigos.

>Have my mom cut my hair
>Carry a water bottle around
>pirate stuff
>rarely go out aside from school and work

>>174358
>Girl living financially sound.

You are an inspiration. It's a relief to see a girl living sensibly instead of living their life on a vain journey to accrue as many worthless material possessions as possible.

>>174366
>Girl
>assuming
The only indicator is the boyfriend, it's probably just a fag.

>>174005
>being financially stable

>getting to the point where having just $20 extra is good enough

kek

>>174358
>image name
The cat probably ate it.

Anyway, I have no interest in driving either. Being in southern California, I can just bike most places. Also, it rarely rains which is really nice. (I like the rain, but not when I have to bike somewhere.)
My dad constantly nags at me to get my license and drive because I'm in college, but he's also reminding me of the costs. I intend to get the license regardless, but why the fuck should I get a car and drive right now if I don't want the expenses? Then again, I shouldn't be surprised that he's shit with financial (or any) advice. He lives alone and currently has financial issues. He:
>pays for a 2-bedroom apartment when my brothers and I very rarely stay the night
>has a car
>has a diesel truck
>has a trailer
>has several motorcycles and quads
>goes camping frequently
>eats out frequently

>>173870
Agreed. It was at the most miserable point in my life when I spent the most money on useless things and ate out all the time. I like money for the freedom and security it brings. Extravagance can fuck off, I enjoy the simple pleasures.

>get rid of gf
>fuck your pets

If i took the time to do 90% of the stuff in this thread I would lose money over just staying an extra hour or two at work every week. How are you all so poor?

>>168647
>unless you're planning to quit pooping
oh, get a load of this poopfag. no pooping master race reporting in, enjoy wasting all your food and water on pooping.

I'm literally homeless because I'm so stingy. I have over $200K but only spend $1,000 a year to survive.

>>168764
>>168775
oh dear god my sides

>>170004
>Netflix
WHY

if you pirate shit it's objectively better

>>175435
get paid a fixed sum each month, so overtime would not net me more money anyway.

>Not eat out anymore
>Drive as easily as possible to get 43 mpg instead of 36

>>171288
>>170935
>>170917
>>170863
I can't handle this, /biz/, im fucking dying

>>176757
tell us how.

>>168657
I tend to make a casserole for early in the week. And have various things marinating for later in the week.
Also I freeze whatever I can.

>>170062
Where abouts in Toronto do you live? Thinking about moving out.

$600? Sounds like you're in a shit neighbourhood /basement apt though, unless you have a roommate.

I never use my car brakes and go round corners at 55mph to maximize mpg. Also if I'm stuck in traffic I don't use the accelerator at all, only clutch control to move forward.

>be a vegetarian
>grow all of my own food
>steal water from the government

>>176889
>>be a vegetarian

>>176930

what's it like being poor?

Dont drink alcohol. Dont smoke. Walk everywhere. Freeze everything you cook. Run in the streets instead of paying a gym to use their threadmills. Sausages aren't as good as real meat but they are cheap as fuck.

>>168923
for equal or just less the price I can eat way better tasting bread
(including time and electricity, otherwise I'd say significantly less)

I bike whenever I'm going less than 5 miles
Drink water over soda/juice
Never pay for parking, walk further for free parking
Coupons

>>174128
>TFW no frugal gf