How Do You Save Money

[Jayvegas420]

It's all about recycling boys.
Condoms, TP, colostomy bags.
Trust me, I know how to stretch a dollar.
Never buy pens, napkins or matches or little plastic swords. These can all be found at the sportsbook bars.

Maintain your Pro status at all costs, to double your point accumulation.

This is just the tip of the iceberg. Also, never buy ice, just carry a bucket with you at all times & duck into any hotel & turn left out of the elevator & head to the far end of the hallway.

[Booya711]

It's all about recycling boys.
Condoms, TP, colostomy bags.
Trust me, I know how to stretch a dollar.
Never buy pens, napkins or matches or little plastic swords. These can all be found at the sportsbook bars.

Maintain your Pro status at all costs, to double your point accumulation.

This is just the tip of the iceberg. Also, never buy ice, just carry a bucket with you at all times & duck into any hotel & turn left out of the elevator & head to the far end of the hallway.

I answered the beer question in the JJ video thread pal

[Antibet]

Just stop gambling: that will save you way more than all the nonsense mentioned in this thread

[fried cheese]

i think i see the problem. you are really too rough on scarfs, beanies, gloves, and socks. just treat them like your gym membership and use them very little.

[Jayvegas420]

Cheeser, I know a great to save on socks.
PM me pal.

[Jayvegas420]

I answered the beer question in the JJ video thread pal

Thats my favourite beer!

Great east coast ale.

[grease lightnin]

. The richest man in Babylon concept.

Jake is sharp. Pay yourself first. Read the book. http://www.amazon.com/s/ref=is_s_?ie...man+in+babylon

[Vegas39]

This can't be true??

Absolutely true

[hubie69]

Don't go out to eat, actually buy groceries and make your own meals. Plus ladies love a man who can cook.

[blackHIPPY]

i think i see the problem. you are really too rough on scarfs, beanies, gloves, and socks. just treat them like your gym membership and use them very little.

ether!!

[blackHIPPY]

It's all about recycling boys.
Condoms, TP, colostomy bags.
Trust me, I know how to stretch a dollar.
Never buy pens, napkins or matches or little plastic swords. These can all be found at the sportsbook bars.

Maintain your Pro status at all costs, to double your point accumulation.

This is just the tip of the iceberg. Also, never buy ice, just carry a bucket with you at all times & duck into any hotel & turn left out of the elevator & head to the far end of the hallway.

lol

[lakerboy]

I budget.

All the expenses on line 1.
Income on line 2.
Retirement and kids education savings on line 3.
Personal savings(10% of income).
If anything is left you enjoy it. If not make more money.

[jjgold]

I budget.

All the expenses on line 1.
Income on line 2.
Retirement and kids education savings on line 3.
Personal savings(10% of income).
If anything is left you enjoy it. If not make more money.

Good strategy if your making at least 60 cash clean a year after taxes

Anything else basically zero savings with your set up

[THam12]

I budget.

All the expenses on line 1.
Income on line 2.
Retirement and kids education savings on line 3.
Personal savings(10% of income).
If anything is left you enjoy it. If not make more money.

Most people would put income on line 1. And decrease from there with expenses....

Not sure who starts with expenses on a budget lol

[lakerboy]

Most people would put income on line 1. And decrease from there with expenses....

Not sure who starts with expenses on a budget lol

It wasn't meant to be in any specific order. It's income - the rest obviously.

[vividjohn45]

If you hate money, do this.

Guaranteed my refund check is 4x bigger then yours. It doesnt earn interest but banks pay not even 1% on savings accounts anyway. I know post christmas i got a big fuggin refund coming which im sure you dont.

[vividjohn45]

Look at source he is same idiot that gave Opie his CC#

Henderson39. A little bit of oil help pull ur head out of ur ass. Just saying

[vividjohn45]

Hey. The irs pulling extra money out of ir check works. Its not like they keep it. By law they have to refund it. Only loss is minimal interest at todays current rate. Im excited about my refund check. Its gonna be a fat one. And that to me is money saved

[THam12]

It wasn't meant to be in any specific order. It's income - the rest obviously.

Gotta start with income. Cannot spend what you do not have. Number 1 rule.
Don't start by listing expenses, because then if you get done listing them all, and then realize it's more than your income, you will have a tough time cutting.

Start with income.
Then list expenses in order of importance.
Once you get to the point where you have either 1) listed all of your expenses or 2) don't have enough income to cover expenses, you figure it out from there.

[THam12]

Hey. The irs pulling extra money out of ir check works. Its not like they keep it. By law they have to refund it. Only loss is minimal interest at todays current rate. Im excited about my refund check. Its gonna be a fat one. And that to me is money saved

I don't disagree with this.

[TheMoneyShot]

As far as ways to save money, quit going out to eat. People waste a ton of money doing that + the tip. You're paying 200-400% more for a meal you can make yourself in 30 min.

This is right on. When we had the recession here 7-8 years ago.... if you drove by the any national chained restaurants they were jammed packed. The American people love to be lazy... love to be waited on... and love to drink alcohol while eating. So, if this was still booming during the recession.... it's mega booming now. Probably the best business to get into. People always blow money going out to eat.

Rent out a room if you have an extra one. Kinda sucks, but I'm single and going to save $10k a year. And my roommate is pretty cool

As long as the roommate is a female. That's +EV

[The Kraken]

I love hearing all the different ways

I had an old glass water jug, used to put dimes and quarters in it, filled up quick. That was furing the cash era.

We eat out a lot because its convenient, expensive as shit. Not uncommon for dinner to run $60-$70 with a drink. But fukking groceries are expensive too. If I could just not eat, I would do it

[gauchojake]

If I told you that you can take an interest free loan for up to 20 months and keep whatever you earn by putting that money to work, would you do it? What if I gave you the option of paying it back in installments?

Funny enough I fight with my wife about this every year at tax time. She likes a refund and while I will not turn down the money, I look at it as lost opportunity.

[newguy]

what do you want to save for? Set a goal for what you want - if its retirement thats tough to sock money away and you might as well be doing that through your 401k. You said you like comfort - I am for sure the same way - but I just budget a certain amount every month to go into savings. In my case I actually agree with what others have said on here and hate the current interest rates for cash savings so I dump all my money into debt paydown - only debt I have today is mortgage and I am trying to dump an extra grand onto that principal every month (would be more but my wife likes cash savings - kills me but I have to keep that number going up as well).

Another fun thing to try if you have a few extra bucks is Lending Club. You can get a better return on your investment and you are helping out "normal" people. I dropped a couple grand in there just to mess around with earlier this year - picked 40 different loans to partially fund. My annualized rate of return on those is a little over 8% and I went mostly high end (lower risk) loans. To me its not even the money its the game of trying to see how good I can get a return while still not having someone default. Thats a way to save - have it working for you - but in a fun way (or at least fun for me). PM me if you want more info on that - but just another thought

[jjgold]

Do you guys realize 75% or more of population does not have $25,000 in bank ages 18-70??

Ages 18-50 maybe 90% have less than 25k saved

[gauchojake]

Guaranteed my refund check is 4x bigger then yours. It doesnt earn interest but banks pay not even 1% on savings accounts anyway. I know post christmas i got a big fuggin refund coming which im sure you dont.

It's one thing to get a refund, it's another to voluntarily loan the IRS extra money.

[Jayvegas420]

I bet in both sides of the action, this way instead of losing 100% of my money I'm only losing 5%

[opie1988]

Do you guys realize 75% or more of population does not have $25,000 in bank ages 18-70??

Ages 18-50 maybe 90% have less than 25k saved

Listen to this brokedikk carrying on trying to make himself feel better

[mikefan1034]

Here's a thought quit gambling your money away

[The Giant]

Kraken, this is what you do.

You set up multiple cameras in your bedroom, allowing you to capture the angles of you plowing your wife from every position. Once you've done this, you join a camsite, something like Chaturbate, where lonely guys will pay you to do things to her.

This has a two-pronged effect:

#1. It'll bring the excitement back to your otherwise mundane sex life. Don't deny it, after a while every marriage can hit a bit of a lull. Having dudes jerking their rods at you and your wife can really bring the good times back!

#2. If you're going to be banging her anyway, you might as well get paid for it, right? Amirite, Kraken? Once the profits start rolling in, you'll become addicted. More sex + more cash = more scarves for you to splurge on. Can you imagine your scarf collection at the end of each month? You'll be the toast of the town!

Good luck to you, and Merry Christmas.

[opie1988]

Kraken...I know for a fact your buddy Archie supplements his income counseling crack addicts by showing off his hoof-like goat feet in a traveling freakshow several times a year.

Not sure if you had any similar grotesque deformities, but never hurts to ask!

[TheMoneyShot]

Kraken, this is what you do.

You set up multiple cameras in your bedroom, allowing you to capture the angles of you plowing your wife from every position. Once you've done this, you join a camsite, something like Chaturbate, where lonely guys will pay you to do things to her.

This Chaturbate is something else Giant. Grab the stock on wall street soon.

Where do these women come from? You have to be drugged the fuk up day in and day out to do this.

[TheMoneyShot]

If I told you that you can take an interest free loan for up to 20 months and keep whatever you earn by putting that money to work, would you do it? What if I gave you the option of paying it back in installments?

Funny enough I fight with my wife about this every year at tax time. She likes a refund and while I will not turn down the money, I look at it as lost opportunity.

It's one thing to get a refund, it's another to voluntarily loan the IRS extra money.

My goal would be break even at tax time. Just make sure you're close... but NEVER IN THE RED.

But most people like getting that huge check back around March and April. I know a family that goes on vacation with their refund every single year. They've been doing it for at least 15 years. Some people think it's just an extra bnk acct. I've heard of women blow their refund on boob jobs... etc.

The problem is.... why not just stick the refund back in your acct and save/sit on it? Everyone always goes and blows it. That's why you can tell this society is a check to check culture.

[The Giant]

This Chaturbate is something else Giant. Grab the stock on wall street soon.

Where do these women come from? You have to be drugged the fuk up day in and day out to do this.

The crazy thing is the amount of good looking women there are.....and the things they're willing to do for a few tokens.

[gauchojake]

My goal would be break even at tax time. Just make sure you're close... but NEVER IN THE RED.

But most people like getting that huge check back around March and April. I know a family that goes on vacation with their refund every single year. They've been doing it for at least 15 years. Some people think it's just an extra bnk acct. I've heard of women blow their refund on boob jobs... etc.

The problem is.... why not just stick the refund back in your acct and save/sit on it? Everyone always goes and blows it. That's why you can tell this society is a check to check culture.

Exactly. My goal is not to take loans from the IRS although I have from time to time. I'd prefer to break even or get a little 1k surprise, not a bill-it's more of a psychological thing. People will do like you said and straight up blow their refund money on frivolous stuff which is their prerogative. I spend money on dumb shit all the time. I just prefer to put it into an interest bearing account before I spend it.