I owe my life to Jesus.
I owe my life to Jesus.
Gay.
Gay.
I fit that bill. After my divorce around age 30 I never wanted to be as broke and ruined as I was following it again. So I spent next to nothing and lived insanely below my means in a dump for much of a decade. For years in there I basically didn't buy food and lived off of work coffee and pastries, and Virginia Gentlemen (extremely cheap whiskey).
One day after kicking alcoholism and depression I realized that by being a lonely, depressed, but cheapskate drunk I had saved enough cash to buy a pretty nice house practically in cash.
It's fantastic now, but I don't recommend it. I have years of my life where I literally could not tell you one thing I did other than work or be drunk on the cheapest booze available alone in an extremely dive apartment. I doubt there is a version that would be less terrible even if you weren't a lonely drunk.
I would not recommend going full monk to save money. You only have so much time on Earth and denying all enjoyment just to save money isn't worth it.
I would recommend one piece of advice though that is a habit I've kept:
Never spend a single extra penny on something that won't upgrade your life in any noticeable way.
Here's examples of what I mean by it:
If you don't feel like cooking, don't go buy takeout just because it's dinner time. Go get some fruit or eggs or something. You'll be healthier and save money, you won't miss the meal you don't care about; you just won't be hungry. Go enjoy a meal at resturant from time to time when you want to enjoy it. But it amazes me how much money people spend on food they don't care about just because.
You don't need a fancy hotel for routine travel. You don't have to stay at a fleabag, but if you're just there to sleep enroute a clean bed in a decent location is just a good as a fancy place. Save the nice hotel for a trip you're going to remember.
That bigger purchase probably doesn't need to be that big. "Wow I'd feel really great in that designer suit." Do you wear a suit regularly? Cause if you don't why are you spending that kind of money on one? And if you do that suit you feel real cool in on day one will feel like routine wear in a few weeks. Unless it's your wedding or something for you to look back on pictures for years just get a well made no name. Whatever upgrade in look the fancier gets you won't be noticed let alone remembered.
Maybe you can tell the difference between brand name and store brand soda pop. But do you care that much on a day to day basis? Get the one you really like for the big bbq you're hosting. You won't care on some random saturday. It's half the price. Frankly just drink more water. As soon as you break the habit, most of the time cold and wet is just a good as cold, wet, and fizzy for routine thirst.
These are of course just examples. But you get the idea. Will you remember this experience? Are you actually trying to enjoy something or just going the routine of life? If it's the latter you don't need to spend any extra money on it.
I fit that bill. After my divorce around age 30 I never wanted to be as broke and ruined as I was following it again. So I spent next to nothing and lived insanely below my means in a dump for much of a decade. For years in there I basically didn't buy food and lived off of work coffee and pastries, and Virginia Gentlemen (extremely cheap whiskey).
One day after kicking alcoholism and depression I realized that by being a lonely, depressed, but cheapskate drunk I had saved enough cash to buy a pretty nice house practically in cash.
It's fantastic now, but I don't recommend it. I have years of my life where I literally could not tell you one thing I did other than work or be drunk on the cheapest booze available alone in an extremely dive apartment. I doubt there is a version that would be less terrible even if you weren't a lonely drunk.
I would not recommend going full monk to save money. You only have so much time on Earth and denying all enjoyment just to save money isn't worth it.
I would recommend one piece of advice though that is a habit I've kept:
Never spend a single extra penny on something that won't upgrade your life in any noticeable way.
Here's examples of what I mean by it:
If you don't feel like cooking, don't go buy takeout just because it's dinner time. Go get some fruit or eggs or something. You'll be healthier and save money, you won't miss the meal you don't care about; you just won't be hungry. Go enjoy a meal at resturant from time to time when you want to enjoy it. But it amazes me how much money people spend on food they don't care about just because.
You don't need a fancy hotel for routine travel. You don't have to stay at a fleabag, but if you're just there to sleep enroute a clean bed in a decent location is just a good as a fancy place. Save the nice hotel for a trip you're going to remember.
That bigger purchase probably doesn't need to be that big. "Wow I'd feel really great in that designer suit." Do you wear a suit regularly? Cause if you don't why are you spending that kind of money on one? And if you do that suit you feel real cool in on day one will feel like routine wear in a few weeks. Unless it's your wedding or something for you to look back on pictures for years just get a well made no name. Whatever upgrade in look the fancier gets you won't be noticed let alone remembered.
Maybe you can tell the difference between brand name and store brand soda pop. But do you care that much on a day to day basis? Get the one you really like for the big bbq you're hosting. You won't care on some random saturday. It's half the price. Frankly just drink more water. As soon as you break the habit, most of the time cold and wet is just a good as cold, wet, and fizzy for routine thirst.
These are of course just examples. But you get the idea. Will you remember this experience? Are you actually trying to enjoy something or just going the routine of life? If it's the latter you don't need to spend any extra money on it.
Wow, none of that applies to me. I never eat out and never travel anymore. Well except for the "a lonely, depressed, but cheapskate drunk" part anyway.
Wow, none of that applies to me. I never eat out and never travel anymore. Well except for the "a lonely, depressed, but cheapskate drunk" part anyway.
That's good. I mean the knowing what's worth spending money on and what isn't, not the depessed drunk part. That's a real bitch, and wish you luck.
That's good. I mean the knowing what's worth spending money on and what isn't, not the depessed drunk part. That's a real bitch, and wish you luck.
Both houses paid for (one in a village of my families origin), cars paid for, low credit card debit (less than two months wage), no medical needs. Gen Xer, never expected society to last this long. Prepared for the fall when it happens.
Both houses paid for (one in a village of my families origin), cars paid for, low credit card debit (less than two months wage), no medical needs. Gen Xer, never expected society to last this long. Prepared for the fall when it happens.
I am.
I am.
That is me.
I like it because I can tell jobs to fuck off.
*I'm also probably an old fuck compared to most of you. This doesn't happen overnight.
That is me.
I like it because I can tell jobs to fuck off.
*I'm also probably an old fuck compared to most of you. This doesn't happen overnight.
No it doesnt, unfortunately I still have to work. Its because I never conformed.
No it doesnt, unfortunately I still have to work. Its because I never conformed.
I also drive a 10 year old car and lucked out buying a condo out of foreclosure. Now I just stack my cash.
I also drive a 10 year old car and lucked out buying a condo out of foreclosure. Now I just stack my cash.
Man Im jealous. I drive a 91 and a 94. the 91 tranny took a dump today. Fuck.
Man Im jealous. I drive a 91 and a 94. the 91 tranny took a dump today. Fuck.
because I never conformed.
I'm not sure what you mean by that.
> because I never conformed.
I'm not sure what you mean by that.
I am poor debt free, but at least I am dept free.
I am poor debt free, but at least I am dept free.
I have no type of retirement
I have no type of retirement
Ever since I've been debt free, the feeling of knowing that if my work makes a wrong move I can tell them to fuck off as well, is incredibly freeing. It's a great feeling to have. I'm not an old fuck either, it is possible to be debt free before the age of 35.
Ever since I've been debt free, the feeling of knowing that if my work makes a wrong move I can tell them to fuck off as well, is incredibly freeing. It's a great feeling to have.
I'm not an old fuck either, it is possible to be debt free before the age of 35.
Depends what you mean.
I have debts, but purposefully because I believe inflation will outpace the interest. So far, I have been correct. I have enough to pay them off, but instead invest into things that make more interest than the interest assigned to my debts.
Depends what you mean.
I have debts, but purposefully because I believe inflation will outpace the interest. So far, I have been correct. I have enough to pay them off, but instead invest into things that make more interest than the interest assigned to my debts.
Yeah, I see that. But your not the common person you want to be.
Yeah, I see that. But your not the common person you want to be.
you have my attention. What do you mean?
you have my attention. What do you mean?
Im sorry for drawing your attention. Read into it what you want.
Im sorry for drawing your attention. Read into it what you want.
I'm less than $5,000 in debt. All student loans.
I'm less than $5,000 in debt. All student loans.
Pay that off. Its prob 5100 by now.
Pay that off. Its prob 5100 by now.
Nope, it won't hit $5,100. The total is just under $4800. It'll be paid off before the rates sky rocket upwards next July as one will be paid off this year and the other some time late spring or early summer next year.
This all assumes the kikes don't unleash the Samson Option before hand.
Nope, it won't hit $5,100. The total is just under $4800. It'll be paid off before the rates sky rocket upwards next July as one will be paid off this year and the other some time late spring or early summer next year.
This all assumes the kikes don't unleash the Samson Option before hand.
Actually if thats all you owe in student debt your doing pretty damn good for now adays.
Actually if thats all you owe in student debt your doing pretty damn good for now adays.
Debt free for 15 years, it's the way to go. Pay the bills on time, everytime. I only charge things to the card in order to build credit and pay it off before it triggers the interest rate.
Debt free for 15 years, it's the way to go. Pay the bills on time, everytime. I only charge things to the card in order to build credit and pay it off before it triggers the interest rate.
I have no credit but no debt either.
I have no credit but no debt either.
Just had to get more debt to get a transmission fixed. But it's better than throwing $25k at a $5k problem. Car is still mine with no payments. Other credit cards are $0 or near $0. I am looking for a second FTE so I can get CC's and House paid off ASAP. If I can get this place paid off I can work fast food for the property taxes.
Just had to get more debt to get a transmission fixed. But it's better than throwing $25k at a $5k problem. Car is still mine with no payments. Other credit cards are $0 or near $0. I am looking for a second FTE so I can get CC's and House paid off ASAP. If I can get this place paid off I can work fast food for the property taxes.
My transmission just went out today, its gonna hurt my savings bad cause they arent so much.
My transmission just went out today, its gonna hurt my savings bad cause they arent so much.
That sucks ass dude. I am still pissed it mine is a Camry with 110k and the tranny went. So much for Toyota "built like a brick shit house". But I bit the bullet and I have a new tranny with at least another 100k. I am slapping new tired on it in a few weeks. I can cash that but there is a good chance Camry will be around for 10+ years.
That sucks ass dude. I am still pissed it mine is a Camry with 110k and the tranny went. So much for Toyota "built like a brick shit house". But I bit the bullet and I have a new tranny with at least another 100k. I am slapping new tired on it in a few weeks. I can cash that but there is a good chance Camry will be around for 10+ years.
That is surprising to hear of a Camry needing a tranny so soon.
That is surprising to hear of a Camry needing a tranny so soon.
Scotty Kilmer on YT mentioned Toyota had a couple of years of weak auto trannys in some cars circa 2014ish IIRC. Stay away from early CVT style trannys in all makes, the newer ones are far superior with a real 1st gear and CVT after the car gets moving.
Scotty Kilmer on YT mentioned Toyota had a couple of years of weak auto trannys in some cars circa 2014ish IIRC. Stay away from early CVT style trannys in all makes, the newer ones are far superior with a real 1st gear and CVT after the car gets moving.
We are debt free. All of you paying interest to usurers must strive to get out of that trap.
We are debt free. All of you paying interest to usurers must strive to get out of that trap.
I am 44 and completely debt free. I will never be able to buy a house and have that debt just because they have become stupidly unaffordable. I rely on myself. I used to be able to regularly toss money into savings, but inflation has killed that. My rent has nearly doubled even though I haven't moved since 2015. It's not a large apartment, but if I want to pay a reasonable amount I will have to downsize and that's just sad. I've been working since I was 14 and will be working until the day I die. No retirement for me, if I even live that long.
I am 44 and completely debt free. I will never be able to buy a house and have that debt just because they have become stupidly unaffordable. I rely on myself. I used to be able to regularly toss money into savings, but inflation has killed that. My rent has nearly doubled even though I haven't moved since 2015. It's not a large apartment, but if I want to pay a reasonable amount I will have to downsize and that's just sad. I've been working since I was 14 and will be working until the day I die. No retirement for me, if I even live that long.
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