What is Digg?113 Comments
- irvman21, on 10/10/2007, -9/+38I was going to live frugally, but I decided to just make more money instead.
- nofrak1, on 10/10/2007, -2/+22These are all great tips, but pay special attention to bringing your own lunch to work. You'd be amazed at how much this saves.
- nublet, on 10/10/2007, -8/+2521. pirate all your media and software. you all do it, don't lie.
- Antialias, on 10/10/2007, -2/+15I have to agree with this one. I probably spend around $2 a day to bring my own lunch, while my co workers spend $8-$10 a day for lunch. That's over $100 a month I'm saving.
- captainpete, on 10/10/2007, -2/+15or as we in the real world like to call it, alcoholism.
- Cyberbladewolf, on 10/10/2007, -1/+13Why not do both? Then you have even more money.
- inactive, on 10/10/2007, -1/+11I agree as well. Don't forget about the nutritional benefits either.
- moonbats, on 10/10/2007, -3/+12Your comments are moronic.
There has never been a verified study to prove cell phones cause cancer, good luck using your land line when you are 10 miles away from the house and your car breaks down.
Use water filters at home on your water line, refill bottles to use elsewhere.
The article specifically said not to re-use mattresses.
Only a moron would buy anything from China.
Grow your own veggies, fruit, and herbs. Check out the book "Square Foot Gardening" you can have garden anywhere. - fanclerks, on 10/10/2007, -1/+9Dude, WTF are you buying to live paycheck to paycheck on a 120k salary!?
- DeFex, on 10/10/2007, -1/+9dont spend money until you have it.
- fanclerks, on 10/10/2007, -1/+7LOL, you do realize that a good portion of bottled water comes directly from the tap too, right? Bottled water is the biggest rip off ever invented. Why do you think soda companies are all for replacing soda in schools for bottled water? They make more money because it costs less for them to make it. Pretty easy to just open up the tap and fill a bottle.
- enri, on 10/10/2007, -0/+6Wow!
I make 32k a year. I buy organic groceries (not cheap but healthy and eco-friendly), put money in my IRA and I still have a little left over every month for a movie or a game. - triska, on 10/10/2007, -0/+4Going shopping at all seems to be a big thing for some people. For someone who's claiming to be living frugally, as in the article, and then saying "But I have been trying hard to get into the habit and before this last break down, I used to cook 4-6 times a week!", that's just sad. It's like an alcoholic claiming they've only had three scotches before lunch.
Frugally = cooking at home 7 nights a week, 7 mornings a week, and probably 2 days on weekends while also packing lunch weekdays. That's cooking at home 16 times a week at least, or 21 if you want to stretch the definition. - inactive, on 10/10/2007, -2/+6I dunno. I like tips that don't actually lower my standard of living, yet save me money. I've tried living cheap... I prefer to actually enjoy things, which usually means spending money. But you can sometimes spend money in such a way that you get the same stuff for less... that's the way to do it.
Wait until the last second to pay major bills like taxes, major bills, etc. Sounds dumb at first, but all of those extra weeks or months the money is getting 5% interest in my MMA really add up. Probably a few hundred dollars a year at least I save that way, but my bills get paid on time. You can reverse this by taking those 12-months-no-interest deals on furniture and appliances if they're offered... then paying in full on day 364. It's essentially an additional 5% discount, or whatever interest rate you're getting where you have your money.
Never pay by installments if you can avoid it... I was looking at my car insurance bill the other day, paying monthly costs 15% more than paying bi-annually... for the exact same coverage. Same applies to credit cards for the most part... never carry a balance if you have them. It's basically all about figuring out ways to earn interest rather than pay it. - ukdave, on 10/10/2007, -2/+6Going shopping when your not hungry is a good one, if I go shopping when am on a munch I will spend £35 - £40 easy.
- inactive, on 10/10/2007, -0/+4When you're young, being frugal will benefit you a lot more than when you're old. So I guess it depends which age group you're in.
- allaboutdatiki, on 10/10/2007, -0/+4Buy your toilet paper in bulk. No, really ... *subscribe* to it, even ...
http://www.lockergnome.com/nexus/technobabble/2007/08/07/now-you-can-subscribe-to-your-favorite-toilet-paper/
The crap ass toilet paper that's on sale at your local supermarket is likely to *not* be a real bargain. - julianrod, on 10/10/2007, -1/+5"drive the car until the wheels fall off – literally"
I'd rather spend more money and not die on the road - aukxsona, on 10/10/2007, -1/+4You make 120k and you don't try to save *****? Are you ***** insane dude...you could invest and be like a millionaire in 10 years!
- b3and1p, on 10/10/2007, -4/+7Ha, next time I get a job writing copy I will give that some thought. In the mean time, ***** off. :)
- thrallie, on 10/10/2007, -2/+5moonbats is correct about the cancer thing. Go ahead, link to some study. But anyone can come out with a study asking cancer patients something like, do you go to the movie theater often? And then say MOVIES CAUSE CANCER HOLY ***** *****.
I prefer to buy my food, and drink coke. There. Bite me. - aukxsona, on 10/10/2007, -1/+3This sucks...it's for yuppies feeling the credit pinch....poor folks read it if you need a damn good laugh. They think going out only twice a week for lunch and once a week for dinner is frugal...GET REAL!
- salinemist, on 10/10/2007, -0/+2What I love about living frugally is that it actually takes the emphasis off of money. I concentrate more on what I love to do rather than the latest toy, etc.
- Oomsoup, on 10/10/2007, -1/+3This must be living frugally tips for people who make a comfortable living already. Half these things she suggests I can't even afford in the first place! >,
- IllBeBack, on 10/10/2007, -5/+7"or I loose[sic] my job"
If you write that well at work, you SHOULD lose your job. - KingGorilla, on 10/10/2007, -0/+2I sold my third mansion and now I use singles instead of 10 dollar bills to wipe my ass
- jughead, on 10/10/2007, -1/+3I like to grocery shopping after eating; I buy more if I'm really hungry at the store.
- JrGhoull, on 10/10/2007, -1/+3"I also just broke up with a long time girlfriend, so I gotta get ready for the single life. Big screen Tvs, A/V equipment, Wii, photography stuff. "
(laughs) seriously...i dont even know what to make of that. i am going to be graduating from college soon enough, and will probably wind up being a teacher...which means i'll be making less than 40 k a year. if u cant make it on 120 k, then ur f**ked. the average guy makes it on around 40k a year and they're doing just fine. u can have all that stuff on a fraction of what ur making if u simply put some thought into it. I guess ur not one of those guys though since ur already making so much and will probably be making alot more later on. good thing too because it seriously doesnt sound like u could survive on the average mans salary. - dscottp, on 10/10/2007, -1/+3This person doesn't live frugally at all. Buying lunch twice a week at work. Only cooking 4-6 times a week means eating out for supper 1-3 times a week! And do people really need to know to turn off the lights and TV when you're leaving a room. I'm currently living more frugal than this person, but think I have a huge problem with spending too much money.
- CiXeL, on 10/10/2007, -0/+2marriage is a liability. i am an unmarried male in a long term relationship. all you have to do is look at the shattered lives around you.
you cheat, she gets half. she cheats, she gets half.
you never win.
marriage is a liability. - covertbadger, on 10/10/2007, -0/+2If you're advocating a miserable future as a result of splashing all your money around now to impress a few no-mark whores, then I think I've identified the idiot in the room.
- DeFex, on 10/10/2007, -0/+2but you missed out the 2 ounces of sugar, chemicals and crap they put in there.
- RMoore08, on 10/10/2007, -0/+2www.froogle.com
- keloyd, on 10/10/2007, -4/+6Here's another tip/pet peeve - never pay money for water to drink. I need what I drink to have some flavor or color in it in part because I have lived in places where the tap water is nasty. A tea bag costs 1 cent if you are a smart shopper, 3 cents if you buy fancy brands. A super big gulp cup of iced tea then costs 1 cent instead of $1.50. You can bring your own big plastic cup to work or roadtrips or wherever the chumps are paying for bottled water.
- salinemist, on 10/10/2007, -0/+2Yup, that $1k a month in child support is a killer. It'd be cheaper for me to have my kids full time (and I'd be a happier guy too).
- VinceNoir, on 10/10/2007, -0/+2Great site. Dugg you up to undo the damage caused by people who obviously didn't read the whole site. The last entry on the first page sounds a lot like my approaches. Live without using credit and loans and you're halfway to a better financial situation. The site you linked to is MUCH better than the lame site featured in the main post. Yuppie crap.
- bchow, on 10/10/2007, -0/+1
If you want to live frugally, learn where your money goes in the first place.
Pay in cash for a while and log down everything you spend in a spreadsheet on your computer.
Then, after a month or longer, evaluate, what you spend your money on and how much you care
about each item. - rnwen2750, on 10/10/2007, -1/+2Yeah, the guy seriously sounds like a self-important jackass.
- dissident, on 10/10/2007, -0/+1if the woman needs all these toys in her lifestyle, then she's not worth the money.
- CiXeL, on 10/10/2007, -1/+2its not going to matter.
as soon as they start pushing higher APRs on all our credit cards the US is going to effectively default. - covertbadger, on 10/10/2007, -0/+1I read that link. I think you're probably a bit simple. Nothing in there provides any reliable or reproducible evidence that cell phones cause cancer. All it does is argue that one particular study was not in-depth enough to disprove it.
- covertbadger, on 10/10/2007, -0/+1"The article says 'human blood cells exposed to cell phone radiation suffered genetic damage, damage cancer experts consider to be a diagnostic marker of ''high risk'' for developing tumors.'"
No, it doesn't. You 're quoting out of context. It ACTUALLY says that the study in question failed to refute other unspecified experiments that APPEARED to link cell phones with cancer. That doesn't say anything whatsoever about the validity of the claims or the quality of the other experiments, it simply says that the study in question failed to refute it. If I conduct a study that fails to refute the dribbling lunacy of a Moon hoaxer, that doesn't give the Moon hoaxer any more credibility. - wilf_brim, on 10/10/2007, -1/+2The big, easy one here is to always use lists when you go shopping, anywhere. When I was really trying to save money (debt from ex wife) I would have lists for the grocery store, warehouse club, whatever. When I went in I thought of it as a speed run in a CTF game. Go in, go right to what you need, grab it, repeat to end of list, depart quickly. You'll be amazed at how much time and money you save by not buying things that just catch you eye.
- peterinjapan, on 10/10/2007, -0/+1Another tip: have a business, or a funded 401(k) plan. You're legally allowed to make loans to yourself, but you have to pay yourself interest. Yes, you pay yourself, so if you can buy a car with money borrowed at 3% from your own 401(k) account, well, that's pretty damn good, no?
- bdlang, on 10/10/2007, -1/+2Uh, no, do get married. Providing you're smart, you'll have chosen someone with as lucrative a career as yours (as I did) and you have a dual income. You'll wind up with a better tax advantage and better overall living conditions.
My assumption is that you have something against marriage because your money grubbing wife wastes your income, or even worse, left you and took half! - jaredforshey, on 10/10/2007, -1/+2That is some truly frightening advice.
- VinceNoir, on 10/10/2007, -0/+1 Water filters use carbon and have been proven to cause cancer. I wouldn't touch a Brita if my life depended on it. You're better off drinking water out of a lake.
- covertbadger, on 10/10/2007, -0/+1It's OK, people like PastorFrancisCC prop up banks and financial institutions so the rest of us can take advantage. Without people relying on minimum card payments and filling the bank's coffers with extortionate interest rates, the rest of us would have to pay annual banking fees, per transaction fees, universal ATM fees, every last service would be charged for. Since idiots subsidise the system, though, people with a brain get to enjoy most of these services for free.
- covertbadger, on 10/10/2007, -0/+1It's called lifestyle inflation, and is a well-known phenomenon. The more you earn, the more you tend to spend. No matter how much you earn, you always think if you earned just a bit more you would be able to save. The average guys earns $40K a year - there are a lot of people scraping by on less than half that, thinking people on $40K must be drowning in cash.
I speak from experience - I earn less than b3and1p (still six figures though) and it's only in the last year that I sorted myself out, paid off debts, and started saving. - UrbanOne, on 10/10/2007, -1/+2Just a thought about the bulk buying thing: If you're paying via a credit card and you don't pay off the balance in full every month, then you're buying and storing stuff on credit. So, you might want to figure out the actual cost, including interest, for the toilet paper that you saved a buck or two on. It could be more economical to buy just one package, not five or ten packages. No point in paying interest on stuff you won't use for a few months.
Also, to take further the electricity point (turning lights off when not in use) actually unplugging electrical appliances not in use will save you money also. I started doing that with my laptop and saw a noticeable difference. -
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