/biz/ - Business & Finance

live in your car

>>18556515
1. Use a reusable bag, often possible to get from Exhibitions or similar.

2. Rice is nice

3. No car

4. Make your own coffee/tea at home and invite

5. Try cook mostly

>>18556515
Learn the theory of coasting while driving.
Instead of either having your foot on the gas or the brake, let off the gas way before you get anywhere near the upcoming stop sign.
Your car will travel long distances without using gasoline. Especially if it’s downhill.
Also if you’re coming up to a stop light, it’s green, but see cars waiting in the other directions, start to slow down. It’s going to turn red before you can make it through. No need to waste gas + hit the brakes, lowering their lifespan.

steal food from community gardens

>>18556515
penny wise pound foolish

>>18556515
>incorporate rice into your meals
Good way to make yourself sick, not really much point in saving money if you're shortening your life span by eating shit like rice.

>>18556515

I just did my budget yesterday, all I pay for is rent, power, internet, phone, and groceries. cut off all unnecessary subscriptions that I could. I don't have a car.

1. Reuse same medical mask and pair of gloves over and over again during COVID-19 outbreak.

>buzz your hair down instead paying 200 a year for gay haircuts

Eat one day, fast the next, repeat.

There ya go, 50% of your money is saved.

>>18556575
Let me guess, you're fat, white and fell for the keto meme? There's nothing wrong with rice if eaten with veggies/meat

>>18556607
I'm not balding I'd like to flaunt with my head full of hair while I still have it thank you.

>>18556616
Keto meme isn't a meme. It's the state your body would be in nature. You're supposed to be burning fat, not constantly accumulating it via carbs.

>>18556633
post body

>>18556623
stay poor homo

>>18556633
Glycogen is the optimal energy for our body and it’s is stored in the the liver and muscles. Fucking ketards. It’s a stale meme.

>>18556650
<insert crying bald wojak jpg>

>>18556633
Basically this.
>>18556616
>"sniffsniff, it doesn't work I tell you!"
Let me guess, you failed at keto because lack even an iota of self control and can't help yourself from stuffing your face with carbs every other hour? Less projection please, tubby.
>Veggies
Ahahaha, enjoy your kidney stones fuckwit.

>>18556515
>1. use walmart plastic bags as garbage bags. no need to buy them.
>2. incorporate rice into your meals
based
>3. take the spare tire out of your car, it weighs your car down and make your mpg lower
cringe

>>18556515
Lmao your spare tire is like 15lbs that’s not going to save you gas dumbass

>>18556718
I don't do KETO, never have never will. I'm physically fit, muscled and got good cardio. Let me guess, you try to fix your lack of exercise with diet? not gonna make it, also
>falling for internet diet memes

Dont smoke, dont drink, dont go out to eat, dont do drugs, eat healthy food to avoid medical expenses, shop at dollar store, check goodwill shops before shopping for stuff.

>>18556744
based, this is literally what I do, my peers always ask me how I got so much money on my bank account, it's literally because I don't spend any of it on bullshit

>>18556568
Based. Also be gentle on the brakes and start slowing down well ahead of time to make them last longer.
>>18556607
Started doing this, way more convenient as well

Use a safety razor instead of disposables, learn body weight exercises instead of going to a gym

>>18556741
>"noooooooooo I'm not fat, y-you're fat!"
Okay, keep scoffing down that ice cream, skinnyfat porkchops.
>Let me guess, you try to fix your lack of exercise with diet?
A lot of desperate strawmans from the insecure carbfag, the keto Chad merely has to enter the room and it throws the fat sack of shit into a blind rage, try to make a fist so we can all point and laugh please. I'd answer you but in reality we both know you're arguing in bad faith because you know in the back of your mind you can't back up what you say when challenged. Easy.

>>18556515
based thread, except for keto argument /fit/ /fit/ /fit/.

>>18556515
no fap.
no eat.
no pants.

>>18556515

>he has a car

>he eats meals

>he consumes so much that he needs bags to get rid of his waste

ngmi

>>18556814
kek, this is the most autistic post I've seen in a while.
you guys are both right. keto works for people who are actually fat, but memery has led people to taking it way to far. having a balanced diet and a clear conscience to fall back on allows you to eat anything you want whenever you want, but not in excess.

>>18556515
Eat poopy
Drink pee

>>18556980
>t. intimidated by the keto Chad
>"nooooo y-you're autistic"
V I R G I N
I
R
G
I
N

>>18557024
ok retard

>>18556515
I thought everyone used walmart bags as their bathroom bags, do people actually buy little tiny bags for their small bathroom garbage bins?

>>18556764
>Gloating about being alive in name only

>>18557035
>ok retard
ok fatty

When you are driving on the highway, drive at 55mph the entire time. You maximize fuel efficiency that way. I used to drive a Geo Metro in addition to that and would routinely get 50+ mpg as long as I kept my foot off the throttle.

>>18557080
this depends on your hourly rate. if you have any reasonable salary, then you save money the faster you drive.

>>18556515
1.Preparing all of my meals 99% days, not buying any prepared shit for years.
2.Count calories, get myfitnesspal, learn how much you need to cut/maintain/gain weight.
3.Lift - no gym membership, setup your own gym in basement, or just get a simple bench with incline, and 2 small barbells with adjustable weight, you can do literally anything with this setup.
4.Good clothing without Logos. C&A is my go-to shop (eu). Not overpriced clothing, good materials, good return policy, and basically cheap af. Shoes/Jackets are the thing I would spend extra.
5.Smartphone- Xiaomi/Android phones, proper camera, good quality, fuck iphone meme.
6.PC instead of Mac self explanatory, if someone uses any Apple product I dont respect them.
7.Torrent everything
8.Go out for drinks 1 a month max. Preferably invite friends to your house or go to them/ go outside and drink your own alcohol.
9.Fuck fast food basically, 1 month to cheat on diet is max. I feel the best when I do it 1 per 3 months.
10.Fuck restaurants in general. Not interested in spending money on some fuckin retard to spit in my food, or waiter. I learn receipes that im interested in and perfect them. Do at least 1 cool meal every month to learn cooking in general.
11.Never borrow anyone money bigger than 1 daily wage, And this is for very close friends that you are sure with. If he/she fouls and dont give it back - delete them from your life.
12. 50/50 split on a date or go fuck yourself. If she's a girlfriend and in relationship, treat her sometimes.

1/2

>>18556515
Live with your parents

>>18557338

I could probably rant more, but before every purchase, ask yourself - do i really need this ?
this will make me happy now ?

There are some things in life that you have to do and spend money on that are not greatest decision, but you have to have a balance.

Don't buy cheap alcohol when shes coming over and don't cook fuckin rice and beans. Get a good quality wine, get ingredients for bomb receipe to charm her.

Don't say "fuck those jeans, i will buy 5$ chinos" because you will look like retard and they will literally dissolve after 2 washes.

Use your fuckin brain, im a cheapfuck myself, but in some cases I treat myself.


>ordered 3 pizzas for me and my family 2 days ago
>ate 2 of biggest for 2 days straight
>but that was first fast food this year
>was on a strict diet to cut weight for summer from january 1st
>dropped 5kg already

that's the example. also went out and drank night before, and i didn't drink any alcohol for 2 months.

stay hard anons, read book, stay healthy, invest your money, and do the research prior

2/2

>>18557355

Man you have no idea how many times I've loaded up a shopping cart online and then asked myself that very question before closing the tab. I don't think I spend my money on anything really.


Also to help
1. Entertainment, buy books or if you're lazy go to websites like "Fmovies.to" to stream content for free.
2. Learn how to read schematics and how to repair things. You can buy broken devices on craigslist that have very simple things wrong with them. A broken power supply on a television or a laptop battery can be replaced if you're smart enough.

Invest in a 200 dollar soldering iron and then $50 worth of components to replace every day things.

3. Cook at home. You're going to save so much money by cooking at home and you learn to make much better tasting food.

You want to learn how to make quality
* tomato sauce
* beans
* Spanish rice
* Alfredo sauce
* Ramen
* Vegetable shakes with spinach or something similar.

You'll get really good at cooking these simple things pretty quickly and won't need to go out to eat anymore. Plus you can spend some of the money you save on quality ingredients. I usually go to Whole Foods for my cheese since they have such a good selection.

Also go to ethnic food stores for seasoning. Stuff like Cumin, Parsely, Italian Seasoning and such are about 90% cheaper there than they are at your standard Kroger. You'll pay for pennies on the dollar.

For food you plan on eating within the week, go to a place like Grocery Outlet or Grocery Liquidators. They buy from places like Walmart food that is about to go bad within the week. It's about 30% the original cost and just as good. Out of season cereal is about $1 for something that usually costs $4. Same with their ham and chips. Just think of "What doesn't really go bad?", peanut butter, jam, ketchup etc.

I used to go there for boxes of protein bars because they'd be a dollar each. That's almost 10 cents for a 3 dollar protein bar!

1/2

>>18557489
FUCK IT DELETED MY POST

FUCK YOU FIREFOX.

2/2

4. Motorcycles get about 80mpg

5. Donate blood plasma for free money

6. Buy a french press or an aeropress for better tasting coffee. Learn how to make lattes or espresso. Don't buy coffee outdoors. You'll save a lot of money and then you can use it to buy coffee that isn't shit from an indie brewer. Stumptown is my favorite.

7. Buy energy efficient light bulbs


8. Take cold showers.

9. Calculate how long it will take to save up money for a house at your current rate while paying rent versus getting a mortgage with interest. Make a plan for your future while saving money.

>>18557489
>>18557628

Oh I forgot, also learn how to change your own oil. It's really cheap to do it yourself. Those oil changing places are scams. Also learn how to do basic things like changing out your spark plugs or replacing your transmission. I don't own a car so luckily I don't have to deal with that.

>>18557648
The only thing I have to say about changing your own oil is don't be a nigger who pours it out in your backyard.
>replacing your transmission
>simple
What do you mean by this?

>>18557687
In some cars, like a Hyundai that I used to own, it apparently wasn't too complicated. It was one of the reasons why I bought the car despite never ending up doing it.

Also yeah please don't pour it in your back yard.

>>18557707
Interesting. Honestly, basic car maintenance, like what you were talking about, is really great way to save money, so fellow poorfags/Scots, take note.

If i was young and starting out id honestly go the sleeping in car route and use a cheap gym membership for showers spend rest time working. You have to be dedicated to make it in these fucked times.

Get a gf to reduce expenses associated with dining out.

>>18557080
Based, I love these cars, greatest american econo box ever

>>18557628
Only motorcycles that get that are 250. My SV650 gets around 50

>>18556568
Lmfao
>biz business advice
>learn to drive properly

>>18556515
Burn trash. Only toss non-burnable stuff into a dumpster. Share that dumpster with family/friends that live nearby, splitting the cost.

>>18557628
>Donate blood plasma for free money

I would've done this already but i've got a condition and can't donate long as the medication is in my blood

Really sucks because i had planned on making this a regular source of active income

>>18556607
found the virgin

>>18559449
I bet you tip your landlord too.

>>18559066
Now thats greasy

I fixed a leaking valve in my house yesterday.

>Talked to less-frugal dad about it
>"Here's the boomer way to find a good plumber"
>Know the plumber will charge like $100 just to show up
>Watch Youtube videos
>Find extra gaskets the previous homeowner left behind
>Replace a gasket in the valve
>No leak, total cost $0
>Spend the rest of my life knowing how to fix that particular leak

Masturbating into tissues 3 times instead of twice

For cooking specifically stick to peasant recipes, theyre cheap, simple, easily made in bulk, can be healthy, and delicious. Think stir fried rice, chili, risotto, etc.

>>18556611
Yeah but you'll live twice as long so is there really any savings?

>>18556570
this, seems like if you're trying to get costs down you should focus on the biggest expenses first

>>18556568
my man.
I've been coasting ever since I learned to drive

be hobo

>>18556623
What better way to flaunt than to show off your nice hairline with a #1 buzz?

>>18557338
you can get an iphone for $90 from walmart.

there are no sub $150 androids that fit in one hand that arent complete garbage

Cannibalize homeless people for free protein.

>>18556515
Switch to an old school razor and stainless steel blades. The handle is $50 and the blades are like $12 for 100, which lasts about two years if you change them out every week. You save a ton of money and get a much cleaner shave. If you buy one with different 'levels' you can train yourself to shave without cutting yourself that much. I probably cut myself 5 times the first month I started doing it, but never again after that. Make to sure to only buy stainless steel (handle and blades). The brand I bought was Rockwell and it's backed by a lifetime guarantee.

>>18558817
My CB300F gets it just fine

>>18563101
Don't forget to get a nice shaving cream brush and buy some shaving soap. Its so much cheaper than using the stuff out of a can.

>>18556515
SELL YOUR CAR!

Get a roommate/ move back in with your parents.

Stop buying crap.

Stop drinking, beyond the price you end up spending a bunch of money on stupid.

Torrent the book to avoid the cost as well

Instead of using toilet paper, just hop in the shower after defecation.
When you sneeze or have a runny nose, use you undershirt. Throw it in the wash at the end of the day.
Don't buy envelopes. Save the return envelopes that you get with your bills (pay your bills online) and use those evelopes for your other mail.
Instead of using napkins or paper towels at meals, just use your sock. When you're done eating, just put it back on your foot. If you eat two meals a day, you can get by on just one pair. If you eat three meals, skip the napkin and just hop in the shower after eating.

>>18556741
Arnold Schwarzenegger went vegan. You're a meme.

>>18561301
Dude...

>>18556515
My personal money savers, for inspiration

1. Instead of paying for garbage stickers I throw my trash out at work or the dumpster at Dunkin Donuts in the morning.
2. Before you say I should make my own coffee instead of buying Dunkin. The QT who works there gives me extra hashbrowns and sometimes doesn't charge me for breakfast, plus I re use the cup as a urinal at work (amazon driver)
3. I was stealing gas from my job and didn't pay for 2 years, but got a new job. Now i get fuel rewards for filling the work truck but it's not the same.
4. Buy meat and perishables that can be frozen in bulk, buy non perishable foods in bulk when on sale
5. Well, a lot of you already said a lot of good ideas, so I will save this spot for later.

>>18564785
Discosting

>>18556515
1. have zero waste eating habit (i.e. your trashcan doesn't have any rotten food)

2. only buy what you use

3. when something breaks and it is out of warranty, go to /diy/ and fix it yourself. never ask the help of a handyman

4. have no car (if you're in europe, this should be easy)

5. learn to have a fixed standard of living even after you get a pay raise.

Remain chaste
Gfs suck up your money by wanting to do shit like eat out

>>18556515
dont pay for shit like Netflix and prime

cook your meals at home instead of eating out

also buy budget phones < 200 $ and use them as long as possible ( which should be obvious desu)

if possible sell your car and use your bike or public transport

i do all of these except for the car thing i would save about 1.5k € a year if i sold my car but i dont want to drive around in winter with my bike when its fucking -10 degrees and public transport is shit where i live so yeah ...

>>18556764
>my peers always ask me how I got so much money on my bank account
never talk about your net worth EVER

>>18556764
>money in bank account
ngmi

>aluminum foil on windows will block both light and heat, <$5 application and >$20/mo savings
>block all vents outside master suite, you can only be in one room At a time
>save money on food by buying expensive stuff on sale, you'll never want to eat out when you have a fridge full of ribeyes, chicken breasts, etc.
>milk is a cost effective way to meet your daily calorie goals when you fall behind
>skeeter pee is piss easy to make and delicious, 6 gallons of 10%abv for <$25. Even better with light carbonation and some hibiscus or other juice on sale
>anime is free and does not suck like everything on cable/satellite
>get a sexdoll and you'll save six figures over her lifetime of use and better resist the temptation to keep a gf around
>fuck niggers
>fuck jannies
>had more tips but mobile posting a shit

>>18556515
1) get a crock pot and several different beans. Use mason Jars
2) Get a rice cooker and several types of rice, store in Mason Jars
3) Get sprout seeds and grow them in Mason Jars on your window-sill. This will help alleviate deficiencies due to rice-beans all the time, also, sardines
4) shave your head, save on shampoo, combs, etc
5) sell your tv if you have one
6) If you have the space, buy in bulk
7) don't buy stock at market price set limit orders
8) don't ever spend money on women or booze, it's a downward spiral
9) re-use condoms by turning them inside out and shaking the fuck out of them

>>18556515
If you have an older car, when you are on a large hill, you can shut the engine off and just let gravity do the driving for you.

>>18565235
why would that only work on an older car?

>>18565235
don't do this anons, this is a good way to get into an accident. i am not even memeing.

>>18556515
>remove spare wheel

then brake down and have to pay alot of money to cover this stupid idea.

>>18556515
I know how to cook well from the most basic ingredients. I never have to order food. No car, just bicycle, although I usually walk because snow exists. No gym membership, calisthenics are free.

Cooking is the big one though

>>18556515
Rice + Bean + staking ARPA on Binance.

>>18556744
might as well fucking kms

This thread is a peak into what it's like to not own ARPA in 2022

>>18556764
>>18556744
yeh, be boring af too, like my cousin, all they ever do is post pictures of their house on IG of how tidy it is all the time, like literally all they ever do is vacuum and clean.

Like have a fucking beer once in a while, smoke a joint or something FFAAAAAAAAAAAAACCCKKKK your just so damned BORING!

>>18556515
1. live with your mommy
2. stop paying for whores fuck your mommy

>>18557489
>200 dollar soldering iron

b-b-but they dont cost that much.. ?

>>18565277
> pay a lot of money
no. but the whole episode will teach you not to have a car.

>>18561116
lol so much this, had low pressure problem with central heating in my house, go online to check it out. Literally all you got to do is remove the panel & add more water to the system (turn a tap).

Plumber would have charged like £100+ for this ?? Also, now I know how to fix this issue in future.

>>18564785
I lel'd anon

>>18556764
You'll lose like 5% in the next months due to trillion dollars QE. Congrats on being a tard.

>>18556530
one updoot for you sir!

>>18556515
cum into ur own mouth
calorie minmax

>>18556515
1. Piss in the sink. It's the perfect height and you can start washing your hands while you piss, saving you valuable time. You will save 9 litres of water from not having to flush the toilet

2. See point 1.

>>18565159
Why are people so scared of talking about money and how much they make? I'm open about it at work when people ask, and generally others are as well, except for one (the only female) who was really uncomfortable telling us how much she makes even though we all told her how much we make. Squeezed it out of her eventually, but I don't get the hesitation.

If you're worth a million bucks I get it, but almost nobody is.

>>18565334
>>18565374
Imagine not having a small bag of this yet
ARPA is a sure shot if anything is in this clown market

>>18556548
exhibitions, as far as what you are referring to, are a uniquely australian thing you criminal spawn

>>18565669
>Why are people so scared of talking about money and how much they make?
because it opens the doors for very awkward situations. For example, I make around Euro70k a year (yes i am saying this here because i am anonymous), and I have virtually zero debt. That is more than double the average income around here.
Yet I don't own a car, I don't eat out except for business lunches and I dress the cheapest stuff you can find. Almost all of my friends are poor fags and only one or two know how much I make. My family isn't doing well financially either, but I just give them enough money so that they don't go into debt. If they knew how much I am making they will leech me off dry.
Also money is never a pleasant thing to talk about, specially with your coworkers, it either creates resentment or pity, or both.

>>18565829
Based advice, your friends may start to guilt trip you or manipulate you into paying for shit.
>bro just cover the bill please bro lol im broke xD you''ve got stacks

Biggest mistake I made was telling someone how much money I had. It didn't end well, even though you'd never assume that of the person initially, they turned very bitter and jealous, so i had to cut them out.

>>18556568
lmaooooo now i understand why /biz/ is poor.

>>18556515
There is better option then rice, it's beans.
Rice are high in sugar and digested fast, while beans are high and fiber and keep you full.

>>18557338
>9.Fuck fast food basically, 1 month to cheat on diet is max. I feel the best when I do it 1 per 3 months.
I agree, don't fall for the roastie meme.

>>18558001
Kek

>>18556515
>1. use walmart plastic bags as garbage bags. no need to buy them.
Bad idea right now. Plastic carries corona way easier than paper. Plastic is also rarely recycled. Our stores in my area have been back on paper a while now, because they're 100% recycled.
>2. incorporate rice into your meals
Common sense, but good idea.
>3. take the spare tire out of your car, it weighs your car down
Junk fucking science.

My tips:
Stop buying "stuff".
Learn to live with less.
Learn to cook.
Pirate mass consumer shit like movies, music, books. I read at least one book a week, haven't bought a book or magazine in years. Mobilism.org, faggots.
Invest in tools and education to fix what you do have. Learn to sew, fix furniture, do simple electrical repair, learn to change the oil on your car. Get an older car you can do tune ups and repairs on yourself.
If you have the means, grow food.
Always research any purchases for reliability.
Eat less, exercise more. Health care costs will kill you over time.
Invest.
Review your monthly expenses, cut the fat out. Do you REALLY need cable? I use the internet, I haven't had cable for years. And, I call once a year to get the current deal, saying it's too expensive. I always get it.
Cut back or quit smoking, drinking, and drugs. If you HAVE to have pot, grow it yourself.
Get a bicycle. I have a car, and a bike, and use the bike for short trips and exercise. My car is really good on fuel economy, and I drive it as little as possible.
Use coupons.
Don't "collect" anything.
THINK about how you spend money. I spend money, but I'm smart about it - and I set a budget, and keep to it.
This is how our grandparents lived. This is how they got through lean times.

>>18561116
You can find videos for anything on Youtube. I was raised by an engineer father who taught me everything - woodworking, repair, simple construction, etc. Fixed my own cars, always.
Also, get into DIY. Most commercial products are a rip off. Want to clean your windows? Get some white vinegar, some rubbing alcohol, a drop or two of the cheapest dish soap, and water. 1/1/10 ratio, spray on, squeegee off. Your windows have never been that clean. Vinegar cleans better than any commercial product. Baking soda and vinegar will clean most things. Make a big jug of the above, and clean your house and car with it. Will last forever, you don't need a lot. And, you won't go through half a roll of paper towels rubbing it off. Windex is SHIT.

>What are your favorite tips for frugal living?

it's a vastly superior plan to find a way to earn $1000 more, than it is to find $1000 saving in your current spendings.

>>18556607
you can often cut your hair decently without shaving it all
2-3 cuts and your trimmer is paid back

>>18556568
my dad taught me this when I was young and the best part is watching all the maniacs out there acting like they're getting somewhere when they accelerate to a red light

30 minutes down the road, I'm still coasting and still traveling with the same bunch of cars and the one guy is still acting like a crazy person darting between the 3 lanes

coast more and brake less

>>18556570
it's great to understand this concept
but aphorisms can be devastating
being penny wise is a great place to start to show respect to your money, but can also be very bad if you let your quality of life suffer
I think it's ideal to have some concept of penching pennies. Saving some plastic bags, increasing gas mileage with little things that take no effort, repairing something and/or slapping some fresh paint on it instead of spending big bucks for a replacement. A man also needs to know when it's necessary to spend money to get something done. It's always a balance. Obviously I don't want to spend all my time washing ziploc bags to reuse them to save a few cents, but I am willing to give some of my energy to finding ways to live more frugally

>>18556575
Hmmm Japanese are the longest lived people in the world and they eat a fuck ton of rice, fuck off nigger

>>18563143
Exactly, you need a smaller volume.

>>18556616
How is keto a meme when it's a state in your body when you have high ketones? What's a meme is calling it a diet... It's literally just eating healthy.

>>18556607
>spend 20+10 on haircut
>go like every 9 months
it's really not a big deal

>>18556515
I want to save more money so I can invest more! MORE MONEY!!

such a dumb fucking thread

>>18570792
linkers spotted

>>18556515
>take the spare tire out of your car, it weighs your car down and make your mpg lower

kek

>>18565047
It was a joke. I understand compound interest. (Unless you just didn't know calorie restriction extends life. Which it does, look it up. )

>>18565669
Because envy makes people passive aggressive and malicious. And a small but real possibility your co-worker [will casually mention it to their cousin or whomever who] is a thief/conman and just became interested in you.

>>18566264
Finally some reasonable suggestions