/biz/ - Business & Finance

>>27284329
Instead of spending money on prostitutes adopt a dog and fuck it.

>>27284329
make smart decisions

>>27284329
eat instant ramen
live on the streets
ride a bike

>>27284329
Find joy in simplicity.

>>27284329
buy chainlink

>>27284329
eat at home
get married and have lots of sex, its cheap fun and youll get kids out of it and then life is worth living
take care of your health it is cheaper than medical care.
reload your own ammo

>>27284329
sauce

>>27284329
sauce?

>>27284329
alcoholism

>>27284423
only buy things in cash. if you cant afford it, dont buy it.
>>27284423
are you canadian by any chance?

>>27284519
Reject society. Embrace pajeet.

Stop eating in the mornings

>>27284329

Saving money is a meme except when you are in true poverty mode. I grew up in a USSR apartment room with 5 other families sharing the kitchen and bathroom. No shower. Neighbor kid drew with his shit on the bathroom wall. Etc.

Saving money made sense then.

If you make $2 more an hour, you just made almost 4k more a year.

Focus on increasing your income unless you literally can't afford to shower and dress yourself. Been there, but that mentality sticks too long.

>>27284329
>27284519
Anon jokes, but it's true housing and commute is the biggest expense. An ideal career would be a position where you're sharing a living space and commute <1mi to work. Do this for 3-5 years and you can leanFIRE

>>27284329
Make financial mistakes then learn from them.

>>27284626

But then you have to pay for your kids and your wife becomes a goblin post birth

>>27285060
kids are not a liability
they are the reason you will be a millionaire

>>27284329
>one meal a day, pasta or rice
>avoid women
>avoid subscriptions (spotify, amazon, etc)
>listen to weezer
>avoid drugs
>wear the same pair of pajamas every day

>>27285060
have 15 kids. at least 7 will become richer than you. at least 2 will become EXTREMELY more rich than you.

>>27284329
Become a CPA. You will make good money but you will work so much that you have no time to spend it.

>>27284329
>save plastic grocery bags
>remove spare tire from car
>search for a cheaper phone plan
>get chicks, and in a few months never pay for eggs again

>>27284329
Start finding hobbies that don't require a lot of money like reading.

>>27285248
mfw this is literally my life
should I just end it bros?

>>27285944
Bro you made it what are you talking about

>>27284423
Real Canadian Hours, eh?

>>27285450
>she breaks up for X reason
>you have to flee the country to avoid paying child support x15

>>27284329
convert all your savings into crypto
induce a medical coma
possibly change your identity after

>>27285944
Nah man that means you have a solid foundation to work from. Just remember to treat yourself like you’re someone you’re responsible for taking care of. No-one is gonna make you make it but you.

>>27284329
One of the biggest things for me was buying non-perishables in bulk when there's a sale. There's a small basement that came with my apartment and I keep months' worth of toilet paper, toothpaste, deodorant, etc. in there. A decent amount of canned food too, partly because I'm a paranoid-schizoid, but mostly so that I'm never without food in the house.

use vinegar as disinfectant

>>27286226
>Lives in fear

>>27284423
Fpbp

>>27284329
If you kys you will have no expenses

>>27284329
You want Dave Ramsey dad advice or the Graham Stephan 20c iced coffee advice?

>>27284329
Just found out the coomer bait image for this thread is from a fucking shit movie and not porn.

My disappointment is immeasurable and my day is ruined.

>>27284791
This. Always focus on revenue unless you dont have capital to work for you yet. Living frugally is good for your spirit in general though.

>>27286226
if u find virgin 18 year old qt then they pairbond. 15 kids means she is literally pregnant 24/7. pregnancy releases crazy attachment hormones she will never want to leave. you win

>>27285944
wtf dude you fucking made it???? why are u trying to end it???

>>27286226
Wrong, if you have 5+ kids with her there is virtually no chance of her leaving you as long as neither of you are mentally deranged/drug addict ect ect.

>>27284329
It's amazing how many people I actually have to tell this, but budget and track your money. Even my close friends and family complain about suddenly not having enough money for bills every single month despite living middle class lives

>Figure out how much you spend on recurring payments each month
>Put that much aside in your checking account
>If you get payed every week, divide that number by four and put that much aside from each paycheck. You will now never be overwhelmed by bills
>Spend whatever you want from the rest of your paycheck
>Whatever you don't spend by the time the next paycheck arrives, use that money to pay off debt, invest, or place in a savings account
You are now financially responsible.

Buy used, not ancient but something 1-3 years old is much cheaper while still being just as useful (Cars, furniture, vacuum, whatever) and possibly still under warranty.
Live frugal and minimalistic, last time I bought clothes was 10 years ago, nothing wrong with what I have no need to buy more. My phone is 3 years old, does what I need perfectly, will keep for another 3 if I can.
Anything you "want" put in your online basket for 2 weeks, when you come back to it see if you still want it, 90% of the time you won't.
Money sat in the bank is rotting away, invest.
72 hour water fasting once a month saves you 3 days worth of food with multiple health benefits.
Never eat out, bring food with you if you are out the house for some time.
Sell what you don't use.
A lot of the time just using the cheaper base chemicals (White vinegar, isopropanol, etc) are better or just as good as the branded products (Window cleaner, disinfectant, etc).
Take free stuff where possible, even sauce packets or sugar, they add up over time.

>>27288662
Just read this anon, it has a little better advice than your post.
https://thediamondsmine.com/files/Ebooks/Clason-RichestManInBabylon.pdf

>>27289176
Thanks anon. I'll check it out

>>27289389
I just mean the save 10% rule from it, but its a nice short read anyways.

>>27284329
Frozen food. Make your own meals, freeze whatever you don't eat.

>>27287489
>>27287753
Both of you are single, I take it?

>>27284329
Burn trash. Pay a family member a small amount to dispose metal/glass.
Shave your head/ learn to cut hair/ just grow it out.
A $150 phone is good enough these days.
Dedicated budgeting for abnormal expenses which can be reasonably expected (ex: car repair/replace, health problems).
Oats, potatoes, eggs, milk, rice, pasta. All pretty cheap in burgerland.
Limit snacking. Try one snack/day to start. Good for health and saving.
Drink water and cheap beverages. Brew your own tea and coffee.
If you're spending more than $20/month on online subscriptions (amazon, spotify, hulu, etc), stop. Chances are that it's a waste. Consider the annual expense.
Maximize efficiency in getting fun for cheap from your hobbies.

>>27284329
Not a hack but have worthwhile and inexpensive passions and hobbies that take up all your time and are productive. I started doing martial arts ten years ago and now people give me money to teach them. Don't own a school or anything, just have my own equipment, and I teach after work to make a couple extra grand a year. I was doing that before for fun, just now I get paid to do it. Mainly though, having passions is what makes your life enjoyable and fulfilled, which means you won't fill it up with stuff that costs lots of money and doesn't make you feel fulfilled anyway. Rich people often take up expensive hobbies, not because they actually like them, but just because they want to spend their money.

Also, going to train and hang out with the bros on a Friday or Saturday night means I'm not out getting drunk and buying rounds for literally everyone by the end of the night. Stuff like that.

>>27284329
Live close to your work and get rid of your car

>>27284329
Instead of buying shitty salad dressing you just buy olive oil and whatever vinegar you like, a bit of honey, salt and put it in a jar and shake. Toss some crushed berries in if you're feeling frisky.

>>27291605
BREAK THE GRIP AND WALK AWAY