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161 Comments
- bullsfan03, on 03/04/2008, -3/+7217. Pirate software and music
- Nomadelle, on 03/04/2008, -6/+57When you are broke, saving $100 is like saving $1000.
- satyr9us, on 03/04/2008, -1/+39You can save at least a hundred bucks a month simply by making your lunch at home and taking it to work.
- vic42482, on 03/04/2008, -1/+37#6 is most obvious and most important. Those credit cards are just hemorrhaging money if you don't pay it off right away.
- frogman54, on 03/04/2008, -0/+25When at the corner selecting prostitutes...pick the old fat hooker without teeth. She just reduced her rates...and sometimes no teeth is a good thing.
- VaporBro, on 03/04/2008, -0/+18Invest in Pumpkins; but remember to sell before Halloween...BEFORE
- UltraKill, on 03/04/2008, -0/+1821. Sue people for pirating your music or software.
- yacks, on 03/04/2008, -2/+2019. Turn in buyer of pirated software and music for reward.
- korea, on 03/04/2008, -0/+1620. Use money to start your own record label
- leffunov, on 03/04/2008, -2/+15When you are broke, you're not spending anything...... so you're not saving anything
- vkorobkax, on 03/04/2008, -1/+13You have ATM fees in the US?! That sucks.
- INDOAZZ, on 03/04/2008, -2/+13Good Ideas, but what ever happened to the PIGGY BANK? Save money the old fashion way. 5 bucks a day for a year and you've got $1850.00. Put that into a high yielding savings account, i.e. ING DIRECT and you got some extra cash. All it takes is Will Power.
- theeddyadams, on 03/04/2008, -2/+1218. Sell pirated software and music
- ElBeh, on 03/04/2008, -8/+18***** the RIAA.
- aposter, on 03/04/2008, -1/+10Well, after 5 years at 3% compound interest you can get $866 more than if you spent the $5 daily. If you wait 10 years you get $3300 more. If you can get 5% interest you can make $5900, and 8% will get you $10444. That beats the ***** out of a latte a day to me, but if you are that hedonistic...
- skellener, on 03/04/2008, -2/+11When you are broke, you should concern yourself with necessities like food and a place to live. Not looking at purchasing an electronic device and worrying about how to save $100 on it. Priorities people! Priorities!
- breckinshire, on 03/04/2008, -0/+8Rinse and repeat.
- eeeekkkerss, on 03/04/2008, -0/+717. use your neighbours 'free' wireless connection
- greenm1981, on 03/04/2008, -0/+7Financial freedom is SOMETHING. Granted, 5 bucks a day won't get you there, but it reinforces the habit to save. If you have no desire to be free from the labor market, then you have nothing to worry about.
- bromac, on 03/04/2008, -0/+6This paycheck-to-paycheck mentality is what's ruining America's economy and credit rating. Spend on stuff you NEED. And if you save, eventually you'll have cash for a day when your income doesn't IMPROVE, but goes the other way. Nobody stays young forever, and ***** happens.
- mecole21, on 03/04/2008, -0/+6Stop using $1 bills to light your cigars. Use all the junk mail instead.
- listrophy, on 03/04/2008, -0/+6Anywhere from $50-$100/month -> Give up cable/satellite. Get a naked DSL connection (I got 3Mbps down for $28). There's no better way to say "Screw you, Charter/Comcast/etc" than to stop giving them money. Plus you save on cash. And you get a significant productivity bump at night.
Then you try to convince others to do the same (like I'm doing now :) - Extraneous, on 03/04/2008, -0/+5Thejokker is right: being poor does not change the rate of exchange on your currency, it just makes you poor.
haha, you're poor! - Metis2be, on 03/04/2008, -0/+5If you enjoy scraping dried ***** out of cloth for an hour every night. Diaper services (where you stockpile all the foul diapers for a week and they'll pick them up and replace them with clean ones) are actually almost the same price as disposables, so it's a good option if you're eco-friendly, but not worth all the hassle if you could care less.
- kingmanic, on 03/04/2008, -2/+7@drlha: ***** nothing, I have enough socked away now to handle an emergency trip + a car REPLACEMENT + 3 months living expenses should I lose my job. I'm 28. What is your excuse? With the exception of ridiculous US health care costs everything else can be manageable if you prioritize savings vs spending. If you showed me your monthly budget and showed me around your house I could likely find places to trim it.
- adrianmonk, on 03/04/2008, -0/+517th Way to Save $100:
Don't be an early-adopter on electronics, and don't buy from a company (Microsoft) that has a reputation for bad quality. - kidneyd08, on 03/04/2008, -1/+6don't buy rental car insurance, its completely unnecessary
/Meet the Parents - breckinshire, on 03/04/2008, -0/+5Profit?
- BlogCrawler, on 03/04/2008, -1/+6Good list. These are more "common sense" than "extremely clever money saving tricks." It's good because, in most cases the "clever" tricks end up costing you more in the long run.
- kingmanic, on 03/04/2008, -0/+5The extended warranty is for RROD only, the drives still fail at a significant rate and it's often past the 1 yr mark. There is an argument for warranty extensions on the 360. Then again if your drive dies you can induce RROD.
- bromac, on 03/04/2008, -0/+5Put a benjamin in your pocket and don't spend it.
I've also heard it works to put it in a bank account too. - inactive, on 03/04/2008, -0/+5How about don't buy the crap in the first place.
- rustytwonderdog, on 03/04/2008, -0/+4this is blasphemy...i'll never get tired of PB&J
- slevit1, on 03/04/2008, -0/+4was there something on there about using cheap servers? If so, it seems that they've taken their own advice!
- drlha, on 03/04/2008, -4/+8*****. I take it you don't own your own home or car and have never had to have a sudden large value repair done? How about emergency travel (all of my family apart from my wife live over 2500 miles away) for family illnesses or sudden weddings (yes its happened to me). There are plenty of good reasons to get short term loans and a credit card is the best way to smooth out the cost of something over several months. The problems being when it starts taking people years to pay of their credit card debt.
Don't give me that holier than thou crap about being brain washed by credit card companies into thinking I need this. Credit cards are genuinely useful things if used wisely. - dbz253, on 03/04/2008, -0/+4nah, they'll charge you thousands
- sophiawilt, on 03/04/2008, -0/+4Saving any amount of money can add up quickly. And it is definitely something people should be more in tune to doing.
- aposter, on 03/04/2008, -0/+4Unless you are having a claim every insurance renewal period or so you save much more with the higher deductable. Take the higher deductable and pay the difference in premiums into an "oopsie, crashed the car" savings account. Once it reaches the new deductable stop. All savings from that point on are pretty much free money. If you suck as a driver to the point you have too many accidents for this to be a profitable situation you won't be able to get insurance after a while anyway.
- Harley77, on 03/04/2008, -2/+6I ignore the Extended warranties on most products, but, for something like a TV, I'm happy to get it. Back around 2002, I bought a 48" Rear Projection TV that was on closeout from Circuit City and got the extended 3 year on it. Fast forward to 2006 where the TV started shutting down and having all sorts of issues. Short story long, CC decided giving me a new TV was better than Repairing the old one. I ended up with a 50" Samsung DLP Widescreen for nothing. I got an extended warranty on this one now :-).
- colto, on 03/04/2008, -0/+423. Profit!
- psykiv, on 03/04/2008, -0/+4a. It's in meet the fockers
b. :greg throws rock at RV: :rock bounces off rv and breaks the windshield of greg's rental car: jack: good thing you got the insurance on it. - smackafiyah, on 03/04/2008, -0/+422. ????
- TheLeeDynasty, on 03/04/2008, -0/+4Guess this guy never owned a Xbox 360.
- aposter, on 03/04/2008, -0/+4Wow, did you flunk econ 101, or just not take it? Debt doesn't "make" money. Interest on debt just changes where the money is located. (Their pocket rather than yours.)
- DoubleTap84, on 03/04/2008, -0/+4I did this 2 months ago.... but now I just torrent all the shows i watched on tv anyway.
- dbz253, on 03/04/2008, -2/+6^^^riaa troll^^^
- timfitz99, on 03/04/2008, -2/+6An extended warranty on any bleeding-edge or portable electronics is worth it.
2 cases in point:
- My $3500 Samsung DLP TV, which developed serious hardware malfunctions (and I'm not alone), which other have paid over $1000 to fix... covered by my $300 warranty.
- The Xbox 360. Yes, MS extended the Red ring of death warranty, but they still have other unrelated problems that MS doesn't cover for free. Worth every penny of the $75 warranty.
- $1000 Yamaha AV Receiver had a meltdown at just over a year old... and was covered thanks to a $150 extended warranty
To second previous posters, the iPod extended warranty and Powerbook extended warranty... I've gotten my iPod replaced for free 3 times, and the Powerbook has had extensive hardware replacements, all covered for $100 and $300 respectively. - HaloZero, on 03/04/2008, -0/+4I dont think they'll pay you a $100 for that.
- elhaf, on 03/04/2008, -0/+4I generally skip the service contract, but Best Buy offered a 2-year for $25 for Rock Band, full replacement if any controller breaks. Being as this is electronics made to be beaten upon, I got it.
- adrianmonk, on 03/04/2008, -0/+4The fees are charged when you have Bank A, but you use an ATM owned by Bank B.
In practice, it's not very smart to pay the fees because (a) it's usually easy enough to find one of your own bank's ATMs with even a little bit of pre-planning, and (b) many banks have cooperative agreements where you can use certain other banks' (or credit unions') ATMs for free, and (c) there are lots of banks that will refund the fees as a perk of having an account with them.
So, in practice, while they exist, it's mostly your own fault if you actually pay them. Which is the point that the linked article is trying to get across. -
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