Share Your Money Hacks
Fellow monkeys, anybody care to share money hacks / spending habits / cheapskate tactics (semi facetious here) that have helped you stash away more than most do?
Although I've saved quite a bit this year, it's not as much as I'd like (needless purchases, too many brunches etc). I might be trying to have my cake and eat it too, but I'd like to know if there are any money hacks that have helped in the long run without meaningfully crippling your quality of life ?
Comments (46)
Also interested to hear any credit card recs or higher yieldsavings accounts
I seem to save a shit ton of money not having a girlfriend. Damn, they are EXPENSIVE! lol
“如果您总是对自己所做的一切，身体或其他任何事情都限制，它将扩散到您的工作和生活中。没有限制。只有高原，您不得呆在那里，您必须超越它们。“- 李小龙
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Learn moreAbsolutely true. Bottomed Bellinis and nice dinners / trips add up
How much money do you spend on a girlfriend typically (annually, per date, etc.) ?
Probably an extra $1.5 to $3K per month. Added trips to drink at the bar instead of home, eating out, and vacations.
“如果您总是对自己所做的一切，身体或其他任何事情都限制，它将扩散到您的工作和生活中。没有限制。只有高原，您不得呆在那里，您必须超越它们。“- 李小龙
...
Bruh thats just fraud
啊，我认为你还在脱衣舞俱乐部扔津巴布韦美元
Beans and rice like Dave Ramsey
听起来像是说唱歌词
Quant(ˈkwänt)n: An expert, someone who knows more and more about less and less until they know everything about nothing.
I like taking chances, I'm too chancey
Hopped up off the porch, they call me prancey
我现在在吃东西，没有像戴夫·拉姆西这样的豆子和米饭
yac我只是gig and get dancey
The simple answer is to know exactly how much money you're spending. Mynet worthspreadsheet has a page where I track every transaction, every month, to the dollar. I set a budget for every category.
If you want to find new ways to live cheap that you never have thought of before check out the Mr Money Mustache site. Guy is a bit of a tool and has a not so hidden environmentalist spin but cant say it hasnt helped me think about money differently.
Some things that help:
- 切割电缆。大多数千禧一代要么剪断绳索，要么从来没有电缆开始，但是所有这些频道确实没有为生命带来任何价值，这是一个可笑的每月费用
- cook your own meals whenever possible. Eating out IMO is the quickest way to blow up a budget. $10 for a drink that will last a few minutes, and much much more for food, is one of the worst ROIs out there. Not against eating out but it's amazing if you cut back what your finances will look like
- 完全摆脱汽车。融资不错的汽车使中产阶级无法建立财富，但还涉及大量额外费用（维护，汽油，停车，保险），这已经不是什么秘密了。如果您依靠公共交通工具（公共汽车，火车）或骑自行车工作（如果您靠近），并且在差事时，您可以节省多少时间。真正认为重新构架您如何看待汽车可能会成为大规模的财务变化
- 选择合适的配偶 - 此列表中最大。沃伦·巴菲特（Warren Buffet）曾经说，这对您的财务状况与您自己的职业一样重要。他/她对金钱的看法，他们的赚钱能力，他们的价值等都是一切。对于这里的年轻幼崽，您将永远无法培养一个高支出的配偶。无论您的工作是什么都太容易升级房屋，度假屋，汽车，钻石等。您不希望自己的人际关系成为您与她的财务状况的不间断战争。最好找到一个低维护的人 - 这些妇女存在
- Learn to DIY - almost any issue can be fixed in your home yourself outside of some (roof repairts, electric, etc.)
what a nice guy putting his/her. my man proggresive asf
Lmao in case there is one woman on this forum
配偶小费是我什至从未考虑过的东西
最重要的。如果您有养老机，那么无论如何，您都不会做足够的东西。
this is great advice but sadly is a lot easier said than done since American cities built after WW2 are generally poorly designed in that public transit is usually underfunded/not well designed.
Quant(ˈkwänt)n: An expert, someone who knows more and more about less and less until they know everything about nothing.
If you're on this message board you have the skill set, financial access, career options, and education to make it happen
but agree overall it's not possible for everyone
Agreed, definitely not in a city where this is possible. Have to have a car to get around.
Forgot to mention this. Agree w you MonkeyNoise. Stop eating/drinking out and you will feel rich lol. Cultivate the habit of cooking at home. Good for your wallet and your health
steal without hesitation
If the date go bads, say ur takin a shit then just leave
scam obese, elderly, or otherwise disabled people
flip shit on ebay
have an ugly side chick that pays 4 ur shit but know she couldnt get ur dick otherwise
american greed
Spend the money you want and make sure you build a securenest egg. You're young, your analyst/associate income isn't going to make you into a multi-millionaire. Invest in yourself and your network, build towards a career where you're making millions in your 40s. Buy that goddamn latte.
非常有趣和差异化的景点。您自己做这件事的方法/示例是什么？
I think it is important to start patterns of saving and investing early.
Your analyst/associate income can absolutely make you a multi millionaire. If you're smart you can have several hundred grand accumulated savings by the time you wrap up your AO years. That is a significant base to build wealth off of if invested wisely.
I grab at least four cans of seltzer water to take home every time I'm in the office
You really are a squirrel
He likes the free peanuts in the office too.
BofApreferred rewards is my simplest favorite money hack. Used right, I think it makes their credit cards among the best out there. There are tiers in which you get different levels of rewards and other perks based on how much money you have w them, but the money doesn't have to be sitting in checking/savings...can be invested wMerrill. I put my passive investments in Merrill that would have just been sitting elsewhere
Think I found the BofA analyst… in all seriousness, what interest do you pay on the preferred rewards card ?
I have no idea I don't think I've ever carried over a balance if that's what you mean
I do this as well. The BofA $99/year credit card has ridiculously high reward rate when you are high status, and it doesn't take that much to qualify since they add up your BofA and Merrill relationships. The extra $250 for the $350/year credit cards which yield the same rate would require $ / % extra credit card花钱打破, which is not worth the cost.
这是我第1＃1的无聊，但非常有效的金钱黑客：“先保存。”
我和我的妻子一起把我们的钱放在一个联合账户. Beyond having all bills on auto-pay, we automatically save/invest most of the rest (with a safety cushion, call it 20% or so). Then we automatically transfer a fixed budget $ to each of our individualchecking accountswhich we can spend that month on whatever we want without qualifications. E.g. I can eat out at this restaurant, but I may have to bring lunch meals for a few days to make up for it. Or I can buy this computer game but maybe skip a few fancy afternoon coffees.
警告：如果您正在读这篇文章，然后说“他妈的那是我的钱，一个生命”等。我明白了，这个黑客不适合您。
For me and my wife, it has been the key to 100%always hitting all of our savings goals(of course, it's automatic), haveZERO conflict about finances with each other (since we're both on the same budget), andkeep our lifestyle in check尽管我们的收入能力已经增长（完全避免了“跟上琼斯的步伐”）。这使我们既谦虚又无情地在预算中有效。
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