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We all love saving our hard-earned money…unless, of course, you’re a billionaire with more cash than you could ever count. For the rest of us, every little saving counts. You could clip coupons, hunt for discounts, or, better yet, ask people online for clever hacks.

For example, someone on the internet recently asked, “I’m broke. What are the best ways to save money?” And no, they weren’t looking for the usual “practice self-control” tips. They wanted diabolical, genius-level answers that actually work. Naturally, the internet did not disappoint.

Fair warning: some of the tips are totally unhinged and probably won’t work for most of us, but hey, they’re entertaining! And then there are the truly clever ones that might actually help you save a few bucks (or even more). Keep reading to see the full mix of wild, ridiculous, and surprisingly useful money-saving hacks.

#1

Young woman in a cafe taking notes, illustrating practical money-saving tips people swear actually work. I compare the price of something to what I get paid hourly, then think "would I work x amount of hours for this?".... it's usually no.

faylenfarore , Getty Images Report

GenericElder
Community Member
3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

That's a very tried & true way to make decisions. I first heard it from a man who'd been in his 20's when the US Stock Market crashed in 1929, and managed to get through the Great Depression better than many others around him. He still followed his own advice up to the day he died! (Hint - once in a great while the answer is "yes, yes, I would".)

Rali Meyer
Community Member
3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

if I calculate this, I never buy anything!

Mike F
Community Member
3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

That's not new. A great many of us wage slaves were onto this for a long time.

Hugo
Community Member
3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

Amount of hours: measured in kilograms.

Tyranamar Seuss
Community Member
3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

I make a pretty good hourly wage. I found I was wasting a lot of money this way. "Well, they'd have to pay me over $1000 to do this so $200 for the maid is a good deal." No, some stuff you've just got to do yourself. I kept my maid but I cut out many other useless expenses. I would not follow this advice.

ॐBoyGanesh
Community Member
3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

Same. Neither of us two adults in the house buy coffee drinks outside of the house. Also, neither of us drink alcohol regularly. The savings makes otherwise extravagances, like a housekeeper/maid, seem trivial.

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RELATED:
    #2

    Young woman holding credit card and smartphone, focused on saving money using effective money-saving tips. I wait until the next day to see if I still want the thing I was about to buy (I usually forget about it forever which means I didn't need it that much anyway).

    homoabsens , Vitaly Gariev Report

    Amanduh
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I am sitting on my Macy’s cart right meow 😸

    Emilu
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this as well for 'wants', but normally for longer than a day.

    moggiemoo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I developed a habit of adding things to the basket. I'd often find an email with some sort of offer in the next day or so.

    Theora Fifty-five Johnson
    Community Member
    1 month ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I take a picture. I'll go look at it the pic and see if I really want it.

    Reemerger
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My Amazon basket is always full. A lot of it goes on the shopping list eventually when I have whittled down my 'wants' down to a fraction of actual 'gets'.

    Rick Murray
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yup. But when I remember what it is and I see it's no longer there, then I get irrationally annoyed about something I probably didn't even need.

    Deborah B
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Definately. Click "add to cart" and don't check out. I find that finding and choosing the special amazing thing is often more important/rewarding than having the thing a few days later when it arrives.

    #3

    Two business professionals shaking hands over a desk with financial documents, symbolizing money-saving tips. I hate going inside banks. I made a second savings that I can only deposit into not withdraw. if I need that money I HAVE to go inside. I have saved thousands of dollars this way simply bc I refuse.

    https://www.instagram.com/ainsnotcool , Getty Images Report

    FranSinclair
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    My husband and i have a savings account and not that we've had money, spending or trust issues in the past (more so than anyone else) but we have it set up that we both have to go in and sign. We work different schedules so its not always easy for us to be at the same place and we decided if it was important/emergency enough to require savings, we would be together at the time. BUT then my husband ended up life flighted to the icu for a quite sometime...i couldnt get in!? We've got a loop hole our process now tho for this which is 2 other people *our parents or our adult children* that can be the 2nd party to sign

    LizzieBoredom
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There will come a day when the only person who has to go inside the bank is the bank robber.

    Howl's sleeping castle
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    For serious savings, i put money in the account for which I don't have NetBanking and mobile banking. If I have to withdraw money, I need to call my dad, who lives in a different state, and has my cheque book. He has to go to the bank to withdraw money or transfer it to his account and then send it to me. In almost 15 years i have withdrawn money from that account probably just 5 times

    RomanceRadish
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I forget that going to the bank in person is a thing.

    Jan
    Community Member
    1 month ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You’ve also lost a lot of money, since the bank’s interest rate is below the percentage of inflation. Investing your money might be wiser.

    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I prefer going in. The tellers know me, and on 2 occasions they have contacted me ensuring the transaction is legit. One, by a local body guy who presented an insurance check I signed over. He was annoyed, I was thankful.

    Ace
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I doubt if most people ever need to go in a ban from one year to the next, and it would probably be really difficult to create a special account that you cannot access electronically. So it's just an arbitrary rule you're imposing on yourself. If it works for you...

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    #4

    Young man in casual wear standing by window, looking at phone, representing money-saving tips people swear actually work. Savings didn’t work cause I would just pull it out whenever I’d go shopping so I got a savings app which will take my money instantly but takes 3-5 days to pull it back out.
    I’ve had to actually think before withdrawing my savings so I’ve saved enough for a car and all my vacations the last 4 years and 10k on top of that.

    babeygoyle , Thom Holmes Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    3-5 day delayed savings? Sounds like piggybank with a corkscrew

    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Direct deposit $50 or so. Never miss it.

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Didn't Dilbert have some sort of "perpetual deposit" account?

    Mark Kelly
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a 10 day one with EQ bank

    #5

    Woman saving money by cooking at home, preparing fresh ingredients in a modern kitchen setting. Start cooking. For real.

    brown.ghoul , Jason Briscoe Report

    R1MV4Superleggera
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    As a male, I absolutely love to cook, not matter how knackered my frame feels after a long day at work and my wife knows it! And she tells me that her fellow doctors and coworkers at the hospita keep asking her when they can come to our castle for a delicious Mexican meal (my specialty!) She cooks really good too if you want to know

    Crystalwitch60
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’m not overly a fan off spicy foods lol n live in uk BUT CAN I COME TO YOURS FOR DINNER PLZ 😂from a fellow home cook no matter how much pain im in ,

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    Miriam Insidecor
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I cook 90% of the time but I don't enjoy it. I think if I had a bigger and more inviting kitchen I'd like it more. But that'll have to wait until I buy a place.

    Crystalwitch60
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But do you cook from scratch ? maybe even grow your own veggies u can even in a flat ,,and even in a tiny kitchen ,ok not so easy ,but I’ve done it over the years ,now have a decent size one n that’s housing association,rented out in the sticks , ,make cooking fun , if you know how to cook fresh , you can love it no matter what size kitchen u got lovely ,x

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    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It is so much easier than people think. A couple of pans, cutting board, mixing bowls with lids and set of knives. Check out Cooking for 1 or 2. Make a list when you shop for the week. Honestly, most recipes are five ingredients or less and learn the shortcuts.

    Bored Trash Panda
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    We didn't have enough room in our fridge/freezer in our new house to stock up on stuff. We went to Lowes and bought a chest freezer, re-upped our Costco another year, and went and spent a couple hundred on food. We have not eaten out once since then. I meal prep every Sunday, pre-make PB&J sandwiches to freeze (cheaper than the ones you can buy at the store), and prep other snacks for lunches for me and my son (hubby eats free at work). It has saved us a ton.

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't see why anyone was downvoting this. I've tried several times to learn to cook but ended up destroying innocent vegetables, but I respect those who can succeed. Meanwhile, I'm warming up ready-meals - still much cheaper than carrying out or ordering in. We can all win.

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    Crystalwitch60
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’ve always cooked from scratch !, and my kids do ,no processed c**p in my house also grow loads of my own veggies to , ok I’m housebound n disabled , but as a mum all be it an older mum , kids 24-21 me 60 , I’ve cooked from scratch since I was 12 ,actually younger tbh ,grandmother I grew up with taught me , n I taught my kids early on ,being in the sticks ,to so only order online shopping ( uk ) so I can shop around for prices I still manage on nothing !! Fresh food , only to ,n tbh cheapo processed shite just makes u fat and lazy !

    R1MV4Superleggera
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    @Crystalwitch60 You're on a roll with your fantastic replying m8! And yes! All my meals are made from scratch as well! Hell, I even brought on one of my numerous trips to America (Mexico) different tools to cook, one of them (my favourite) is an ancient molcajete, Mexicans have been using the molcajete for centuries to crush seeds and make their salsas so, I've got one to make my own salsas by hand. All I learned about Mexican food is thanks to the Mum's of my best friends there. And all started when my Dad wanted to expand the family business right there, in Mexico and fell in love with their food

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    Helena
    Community Member
    3 months ago

    This comment is hidden. Click here to view.

    Not always. Frequently this is more expensive for me. I live by myself, bulk foods are lost on me. And the time it takes to fetch the groceries, cook, then clean, then I'm eating the same thing for the next week. It isn't always the cheapest option. Frequently yes, especially if you have endless time on your hands or a knack for it, but not always.

    Ace
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    From a sheer cost point of view, the ingredients would nearly always be cheaper. You don't need to buy everything for every dish all the time. If you choose not to have a supply of basic ingredients in your home then you're making it seem more expensive just by looking at the total cost of everything you would need. The fact that "bulk foods are lost on" you is in fact the problem here.

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    Captain Kakapo
    Community Member
    3 months ago

    This comment is hidden. Click here to view.

    No, cooking at home is not cheaper. Sure, if you compare to a fancy restaurant, it may seem so... but then, I do not eat in Michelin each day, however, I cannot say it saves me thousands... Restaurants have benefits of bulk purchase, they also saves energy by cooking lots at the same time. Yes, you can spend less by cooking rice and beans, than ordering takeaway. Will you eat equally good or bad? No.

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    #6

    Two overflowing dumpsters outside a brick building highlighting waste management and money-saving tips in urban areas. In the state of California dumpster diving is NOT illegal unless 1. There is a sign saying private property 2. There is a sign saying no dumpster diving 3. A person who is employed at the place you are dumpster diving tells you to leave 4. It is a recycling bin for bottles and cans and stuff (bc they technically count that as stealing from the recyclers). Reminder of what places also have dumpsters:
    - home furnishing stores
    - clothing outlets
    - stores for hygiene items (like soap and such)
    - children’s stores
    And a lot of these places (when they’re companies) throw out a ton of stuff just because it’s “out of season” or “overstock” or whatever.

    morganlindunfortunately , fr0ggy5 Report

    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Today I read about an organization that restaurants can call to take food that they would normally trash due to safety rules. Hopefully the cold is kept cold and the hot is heated, but hey, it is a great idea.

    Sue User
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Try the " too good to go" app. Restaurants sell off their leftovers.

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    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A guy I know cruises the nearest college town in the late spring. Grills, golf clubs, and all manner of other things just sitting by the curb for disposal.

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Most companies destroy the stock when they toss it out. I had a friend who worked for a grocery store. They would throw bleach on all the food they dumped. Supposedly to discourage people from eating it and getting sick. But really it's bc people wouldn't pay for stuff if they could get perfectly good things from the garbage.

    Little Bit
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I once worked at a department store that crushed anything that didn't get sold. The amount of perfectly good, perfectly usable stuff that got wantonly destroyed was heartbreaking. Especially when they could have stored it to sell at a later date or given it to charity. I can't bear to see anything wasted like that. I quit.

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    Khushboo emphasizes that having a savings account is non-negotiable. “Even if the amount seems small at first, regular contributions can grow significantly over time,” she explains.

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    A savings account acts as a safety net for emergencies and provides a structured way to set aside money for future goals, whether it’s a home, education, or investments. Starting early and being consistent is key to building financial security. Over time, small amounts add up, creating a cushion that can make a big difference when unexpected expenses arise.

    #7

    Man resting peacefully on a bed, exemplifying relaxation while thinking about money-saving tips that actually work. Sleep for like 10+ hours. If you're only awake for like 8 hours a day, you won't eat that much. Can't eat when you're sleeping. Can't spend money on food when you're sleeping. This is doable if you're depressed!

    wildheaven01 , Getty Images Report

    Helena
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And here's the window into my 20s. I called it stasis. Don't even need toilet paper if you're asleep. Nothing like having a nap for dinner.

    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Take care of it or you will find yourself in your 50s wearing the same saddle.

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    Emilu
    Community Member
    Premium
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'd rather buy random shi‍t now and then over having depression, personally, but you do you.

    Sheila Carty
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    speaking as someone who has been through crippling depression periods, this is no way to live

    Hugo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Where did the other six hours go? Neither awake nor asleep.

    FranSinclair
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If youre like me it was probably that weird place you get stuck where youre "sleeping" but still able to think totally rational thoughts like "this isnt sleeping. I think im awake. Im awake? Its prob like 4am now."

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    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    "Qui dorm, mange" as the French say.

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    #8

    Abstract white smoke swirling against a black background, illustrating the concept of unhinged money-saving tips. Got [angry] about the fact that smokers can (here) spend like 15 bucks on a pack per day and live the same way I do so I set money aside for "imaginary smoking."

    xx_gxtz_xx , Pascal Meier Report

    Yrral Spavit
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Worked with a fellow who was always short of money. Got to talking and found he and his wife were chain smokers. Did the math and showed him how much went up in smoke each month which he had never thought about.

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I want to save money. Should I start smoking to then quit it and save?

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or pretend you're buying cigarettes when the money goes into your savings account ?

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    Brian Droste
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    In the end it will cost then more because of having breathing problems and all the doctors appointments they will need to go to.

    Regenerative Liberty
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    $3/pack for native smokes when you buy a case. Plus you are then protected from the spike protein.

    Regenerative Liberty
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Buy native smokes by the case and it works out to $3/pack and you are protected from the spike protein.

    Zig Zag Wanderer
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A mate of mine owned a grocery store in Australia. Many boring hours waiting for customers. He worked out how much you would end up with in retirement if you *didn't* buy a large bottle of coke every day from him (which many people did), and just drank tap water. I forgot the amount, but he said it would be a substantial pension.

    ss
    Community Member
    3 months ago

    This comment is hidden. Click here to view.

    Funny how the Welfare and Food Stamp folks always have the latest phones, and they smoke.

    R1MV4Superleggera
    Community Member
    3 months ago

    This comment is hidden. Click here to view.

    15 bucks? What is that? Canadian dollars, NZ dollars, Australian dollars, Yank dollars? FS! How hard is to name of the Country where they cost that amount of money?

    Ace
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Does it really matter? "like 15 bucks" clearly just means "quite a lot" to the poster.

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    #9

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work Make coffee from home and then “pay yourself” what you would at a coffee shop. Make sure you tip the barista!

    abbielsh , Lala Azizli Report

    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Go sober and same with the usual bar tab.

    Eliza
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I rarely carry cash so I'm not sure how I would pay himself. I also would never buy the regular drip coffee I make at home. If I'm going to a coffee shop I'm getting something with syrups and foam and whatnot. Otherwise, why bother?

    FranSinclair
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Its funny people are like that bc i only carry cash. Im like an infant. If i cant see it, it doesnt exist and ill spend that money like its not real. Also, i wanted to add. I think everyone especially adults should have a "me thing" life isnt quite as exciting as you age. Its monotonous to not have anything to look foward to. You deserve to have a fancy coffee for adulting today, or some nerds gummy clusters, maybe your nails every 2 weeks or a big seasonal yard tool. In moderation, hopefully healthy and beneficial...but have that $7 fancy a*s coffee if u can afford it. Youre probably not going to end up homeless bc you walked to your stupid a*s job with a dunkin in hand. People will be like "thats $35/week!" Yea...its like the reason i get out of bed. 35 doesnt sound too bad

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    Booker
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My wife found a brand of relatively inexpensive coffee online. It comes in no frills compostible pods. For my tastes, I've never had better coffee. I had continued buying the occasional coffee outside, but stopped because it always tastes off compared to the rich flavored coffee I drink at home. When I go to work, I'll either bring my own pods or a thermos of it. My guess is it would be worth trying to find a high quality inexpensive brand that you find delicious.

    CD Mills
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have to make coffee at home! You people do not want me behind the wheel of a car without being caffeinated!

    Oskar vanZandt
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't normally eat at McDonald's but I do buy a coffee there once in a while £1.39 versus £3.10 (Costa) makes the choice easy. I'll opt for Costa or other "premium brand" coffee from a machine if it's part of a "meal deal" at a supermarket (Sandwich/salad, drink and snack for less than £5).

    Ace
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So you're saving by not spending money, sure, but taking some money out of your pocket and putting it back again? What on earth is that achieving? Just do it in your head if you feel the need to remind yourself how much you're saving each time.

    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It is a way of learning how to break a habit by seeing the financial losses. A good lesson to teach children. Self-sufficiency and fiduciary duty.

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    Andrew Keir
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Microwave a frozen pizza and save the difference it would have cost from D*m*n*s. Not too often, though, pizzas are not good for you.

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    Budgeting and planning are equally critical components of financial health. Khushboo advises, “Create a budget and track your income and expenses carefully.” Knowing where your money goes allows you to identify areas where you can cut costs and save more effectively. Budgeting doesn’t mean restricting yourself; it’s about making intentional choices with your money.

    #10

    Woman checking phone while examining clothes on rack, illustrating money-saving tips for effective shopping and budgeting. Take photos of everything you wanna buy to ‘buy at another time’ you’ll forget about it within hours and never buy it.

    darcierb_ , Getty Images Report

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I put things in my Amazon account but just leave it there. When I come back a few days later Ikm always like- Why did I want that?

    Tyke
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I also have the app so I can see how much the item has cost in the past... so if I see I'm paying "full price" I park it until a sale comes around again

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    RomanceRadish
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Keeping a running photo wish list for kids is helpful. Then when they want something and you say no, you can console them with "we'll put it on your wish list." Of course be clear they won't get everything on their wish list, it's just ideas for when Auntie or Grandpa or whoever ask what they'd like for birthday.

    Auntriarch
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don't try that in charity shops.

    Margaret Carradus
    Community Member
    1 month ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I saw à mum give her toddler her phone to photograph everything she wanted, that Santa would bring. It stopped the whining and she had forgotten most of it by the time they left the shop. Genius.

    turk
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Actually had a guy in line in front of me at the gas station buy a pack of cigarettes and when I passed him on the way out, he asked me if I had any spare money.

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    #11

    Person counting dollar bills with focus on money-saving tips and financial savings at home. Only every buy things with cash so it’s a real physical loss. Whenever I buy [stuff] with my card my brain tries to go “oh I’m sure we have enough just buy it” where as with cash I can see how much money I’m loosing.

    ashlyn.dot.perry , Alexander Grey Report

    Helena
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm the exact opposite. I don't know if I've spent too much of my life in spreadsheets or what, but if I see that number ticking down I panic. Real money just feels like paper to me.

    nottheactualphoto
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    One of my co-workers said the same thing. "Spending cash doesn't feel like I'm actually spending, because it never appears on the card statement."

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    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don’t remember the last time I even had cash. With online banking it’s so easy to see what you spend on the apps so I find it easier to monitor card payments than cash.

    Apatheist Account2
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    *losing. This is basic brain training and maturity. A credit card is a means of payment, not free money.

    Lady Eowyn
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But you can't pay with cash online.

    Patricia Steward
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    OP is going to need a good credit rating some day.

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Either way works, depends on which you see as 'real' money and which is 'just numbers'.

    Tim Douglass
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm kind of the opposite. Cash just disappears. Especially in smaller denominations. It's amazing how many little treats I end up getting myself if I happen to have a bunch of one and fives in my wallet.

    RomanceRadish
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I understand the intent but it's not very practical nowadays. Money is gross too.

    AndrewC
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    "Money is gross"? Not being a jerk, but money is just a way of exchanging your time/labor for goods/services. In a free market, you need a way to do this unless you want to drive a wheelbarrow full of produce to the cellphone store to pay your bill. Barter sounds nice and can work in some limited cases but not all; and is a lot of work to arrange. Communism doesn't work because most humans are simply not wired to be satisfied with "just what they need" and "what everyone else gets". And IMO giving everyone a "basic living stipend" or whatever you want to call it, has similar problems. I'd be interested to hear if you've thought this out and have any suggestions!

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    Babs McGurk
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Many places no longer accept cash. I worked on a college campus before I retired, and they went cashless a few years ago. Before that I would purchase my lunch on campus a few times a week. At that point, I decided I would never spend another dollar for lunch on campus. I took my lunch every day, and saved a bundle.

    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If I ain't got the cash, I don't need it. Cash is king for us! We can always hit the ATM if really needed.

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    #12

    Woman saving money by shopping smart, choosing shoes in a store, illustrating effective money-saving tips. Most of these "hacks" are actually based on making your life quality worse, but here is the thing: get very good at spotting expenses that will or won't actually impact your life quality.
    Whenever I want to buy something, think I need to buy something or am tricked into wanting to buy something, I wonder: will this actually make my life any better? And if so, can I obtain the same result from something I already own/can have without buying? This usually puts me off from buying, without leaving me with the feeling of missing out on something, quite the opposite.

    elisabettaranghino_psi , Djordje Vukojicic Report

    Helena
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It does get easier when you start thinking of it as discernment rather than missing out.

    Deborah B
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Use this logic when choosing between different quality items too - will you notice the quality difference, and will the higher quality item improve your life enough to justify spending the extra? If it's a long-lasting product you use frequently, spending an extra £20 on the front end for added convenience or comfort is often worth it.

    Lady Eowyn
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Why would you do something that would make your quality of life worse? A lot of "worse" is people coming to grips with expensive, usually unhealthy habits.

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    Impulse purchases are one of the biggest challenges, especially with online shopping so readily available. Khushboo suggests taking a pause before making non-essential purchases. “Ask yourself if you really need it, or if it’s just a fleeting desire,” she says. Waiting even a day or two can prevent unnecessary spending. Being deliberate about purchases is just as important as earning money itself.

    #13

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work Once you ignore the first urge to purchase something you don't need, it becomes easier.

    ghost.accountgoaway/ , Andrej Lišakov Report

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    #14

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work 1.) pick object up 2.) ‘oh this is cute!’ 3.) put object back.

    hannah_klassy , Vlad Vasnetsov Report

    Howl's sleeping castle
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    1. Pick object up 2. Oh this is cute 3. Check price 4. Naah not so cute 5. Put object back

    Deborah B
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Take a photo, work out where in your house it would go, and if you would have to get rid of something to make room. There's a lot of cute things that just become another piece of clutter once you get them home.

    Little Bit
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I just don't go shopping for pointless junk in the first place. I only buy exactly what I need. Nothing more.

    Andria Dutcher
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It's called "shopping," not "buying," for a reason!

    #15

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work From my mom that helped me a lot: When you want something wait five days, if you still want it then, get it. If not, you didn’t really really want it and it would’ve been a waste of money.

    Set a goal and write on paper each time you add money. Put it up somewhere as seeing your goal can help motivate you. It’s like a game, and reach that goal, ticking off checkpoints, is like a reward!

    morgan.lopez_/ , Unseen Studio Report

    AndrewC
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My mother once heard the idea "put your credit card in a bowl of water and keep it in the freezer. When you want to buy something, take the bowl out. If by the time the ice has melted you still want it, go ahead and buy it!"...and promptly did this with her AmEx. Literally. The same card, by the way, she used to call her "American Distress card". Somehow I don't think the person telling her this meant it literally. But my mom was bip0lar so....#yourMileageMayVary

    Apatheist Account2
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You can waste money travelling and parking if you do that too often. Also, it may be gone by the time you get back.

    LizzieBoredom
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Especially if you travel to park outside your ex-boyfriend house so you can play '"In Your Eyes' on a boombox you found at the local Goodwill, but his new wife doesn't appreciate it and sprays you with the hose while calling the police.

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    Reviewing bills regularly is another practical tip. “Check subscriptions, recurring payments, and services you may not be using,” Khushboo advises. Canceling unnecessary expenses can free up money for more meaningful priorities. Additionally, comparing prices and looking for deals ensures that you get the best value for your purchases. Small adjustments like these can have a big impact on overall financial stability, while also creating awareness of spending habits.

    #16

    Bowl of spicy food with chili peppers and fresh basil, illustrating creative money-saving tips for meals. When I'm broke I eat super spicy food so it "lasts longer" I feel full for more time than I would if it weren't spicy.

    mariassyannavirag , emy Report

    ILoveMySon
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    When I wanted to lose weight, I would drink tomato juice with hot sauce and it was filling.

    #17

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work Not unhinged but I really like Acorns. Whenever you buy something it rounds up to the nearest dollar and puts the extra few cents away and invests it. It's also satisfying for every purchase to be a nice round number.

    hj_harperr/ , A. C. Report

    Mike F
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Silly me, I thought OP was eating acorns!

    Emilu
    Community Member
    Premium
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    ... me too. I'll have to check this out, though. I hate having uneven numbers on my statements.

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    Manny
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I use it to. It's great.

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    #18

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work Move all but a "spending" amount into savings. If you don't have it in checking you don't "have it."

    cam_guidry , Jaeyoung Geoffrey Kang Report

    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Direct deposit $50 per pay, or more if you can into savings. Same with tax returns. I know, getting a refund is poor planning, but it works! 'Extra' 3 grand or so a year

    My O My
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    50$ a day???? Thats 1500$ a month! That's more then I earn.

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    Regenerative Liberty
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Better than saving fiat, save in gold and silver.

    Peer pressure can influence financial decisions more than many people realize. Khushboo warns, “Never spend unnecessarily just to keep up with others.” It’s easy to fall into the trap of trying to match someone else’s lifestyle, whether it’s buying flashy gadgets, cars, or luxury items. Instead, focus on your own goals, priorities, and financial well-being. Protecting your money from external pressures is crucial for long-term stability and peace of mind.

    #19

    “I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work Write down every penny you spend, you become too aware of how much you are spending and that stops you for doing unnecessary purchases. "I can't spend $8 on coffee I already spent 70% of my paycheck and there is 10 more days till my next paycheck."

    qaleto/ , Getty Images Report

    Miracle Max
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have been tracking every dollar in Microsoft Money 2002 since... 2002!

    Tim Douglass
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It also comes in handy when you want to find out when you bought something. I have records going back to 1999 and it's amazing how often when something breaks and I think "I just got that" the records actually show that I got 20 years of use out of it.

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    #20

    Woman grocery shopping with a basket full of fresh produce, using money-saving tips to save thousands of dollars. Online shopping doesn't exist. Have to go in person.

    vblakelyy Report

    Helena
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    In person doesn't much exist in small towns.

    Lousha
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Where I live it's the other way around: only in person exists in small towns, there's no online shopping. (That's for groceries. Of course you can still order stuff from Amazon, eBay and the like.)

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    ILoveMySon
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Online shopping and wine is a dangerous combination.

    Uncle Panda
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It's like you're your own secret Santa!

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    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Unless you live in a big city with a lot of diverse shops, there’s plenty of stuff you can only get online. Also, it’s often cheaper and you don’t have to spend money travelling around to look for it.

    meeeeeeeeeeee
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My cat can't get fancy food in the walking distance shops

    lauren
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    On groceries I spend more in person, due to getting tempted by special offers and extra items. Online shop, I only buy what I need. And the delivery charge is less than what an Uber would be to bring me home with the groceries

    Mike F
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Lists against the ads, only buy it if it's on the list. Buy family packs of meat and freeze it. Frozen veggies are typically cheaper (and tastier) than canned.

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    WFH Forever
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Hope you have 4 hours to drive round trip to the nearest city with shopping. Because that's what I would have to do.

    quentariel
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Depends where you live. Is it really cheaper if you drive around huge amounts in these gas prices or take several bus/trains/subway to get an item?

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    self control does exists. and it is really good to develope for saving money

    Matthew Barabas
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    ...yeah it does. what kind of nonsense limitation is that?

    RomanceRadish
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If this works for you, that's great. Gas is a cost to factor in, and parking depending where you live. Or fare.

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    #21

    Person holding a large pile of colorful clothes illustrating money-saving tips for saving thousands of dollars. Watch a documentary or YouTube videos about overconsumption. Follow more Instagram accounts that talk about the environment and capitalism so that it's in your daily feed.

    If you see something cute in a store that you don't actually need, ask yourself how long it will sit in a landfill after you die. Think about how much space an item will take up in your home.make handmade gifts instead of spending money. Learn how to sew.

    hur.tttttttt , Natalia Blauth Report

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Please just don't get me anything. I do not want your hard worked, hand made "gifts." I'd rather you save me and the landfill from more junk. I really don't even like people buying me presents anymore. Bc honestly, if I want something I'll buy it. Please don't waste money buying me a candle or smelly soap. The only gifts I do like are the ones I give my son money to buy. Bc I'm always so curious how his little mind is going to work.

    meeeeeeeeeeee
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There goes the pair of gloves I was knitting you

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    Deborah B
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Do "experiences" as gifts - buy someone a manicure or a massage or treat them to lunch. You can give people enjoyment instead of stuff.

    My O My
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I prefer gifts I can eat! There is so much lovely food out there that I wont spend money on, but I love it when it's gifted to me. It's a real treat

    Auntriarch
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Gosh, I hope people really do enjoy the handmade gifts I give them. I mean, they say they do.

    Emilu
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Handmade things are beautiful IMO. Even if the item itself may not be to my tastes, the fact that someone would make something for me means the world. ❤️

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    S P
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this with my kids. I explain that I don't buy fruit squeeze pouches or yogurt tubes or lunch pouches of chips because they cause so much garbage. I will make applesauce and portion it into containers or dole out chips in reusable bags, and purchasing larger quantities tends to be cheaper.

    Oskar vanZandt
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    A close friend of mine presented me with a crocheted blanket made by his industrious aunt for my last birthday... It's got a profusion of colours that aren't my taste. Currently it's lying in a wardrobe upstairs. Not sure what I'll do with it. I prefer consumable gifts- food, drink, candles etc.

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    Avoid comparing your lifestyle to others, even subtly. “Just because someone else makes a big purchase doesn’t mean you should,” Khushboo explains. Maintaining perspective and staying true to your personal goals helps you avoid debt and regret. Financial independence is about making choices that benefit you, rather than following trends or succumbing to societal pressure. This mindset fosters long-term security and confidence in your financial decisions.

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    #22

    Smartphone displaying Amazon app with appliances category, illustrating money-saving tips for online shopping and saving thousands of dollars. Delete all the apps that you will buy stuff on..

    anotherheartmurmur , Marques Thomas Report

    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don't bank or shop on your phone. If you lose it, you have a problem. Use a secure computer.

    quentariel
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You can actually log out of the apps when you aren't using them. Besides, in here buying anything online requires confirmation from your bank app (you need to log in the bank and write your safety code before the shopping app/website can access your money - takes about 10 seconds but adds so much security).

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    R1MV4Superleggera
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Right, easy to say! I only have one rule and Wife knows it! I don't bloody care how much it costs the stuff she wants, but if it has the tag "made in rubbishland (china)...it goes back! I refuse, utterly refuse buying stuff with that tag! Most likely made by some 8y/o child in that awful...

    Matthew Barabas
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    ..pretty much everything is made in china....

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    #23

    I have adhd, so I used to my advantage and put all the cash i owned into a drawer. I forgot about that drawer. Never opened it. When it was time for me to move i had almost 1k in cash saved to help with moving costs.

    morbid.korvid Report

    Tyke
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not trying to be pedantic, genuinely confused. If you forget about the drawer, never open it, did they just put 1k in there? The last bit sounds like they kept adding to it, but how do you do that if you never open the drawer?

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This is true. Drawers do not exist for most people with ADHD. If anything actually gets put away in my house, like in an actual drawer or cupboard, I forget about it. Except for 1 drawer and 1 cupboard I look through everyday.

    WindySwede
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    *think its empty, gives it to charity, remembers one year later while having a shower*

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    Miriam Insidecor
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Should have invested it. Cash loses value.

    David Morgan
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    No it doesn't. ALL money 'loses value' if you are talking about inflation. Otherwise, even if a banknote is recalled (new designs being circulated etc), then banks are required to exchange them for face value.

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    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I would like to buy a house that you will eventually move out :)

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    #24

    Put all the money you can afford to put into a CD account you cannot touch that money for a set amount of months to years. If you withdraw money before the set date you will be faced with a penalty. Definitely makes you reconsider what you actually need money for.

    _rl_mari_ Report

    Brian Droste
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I wouldn't like that. If something came up and needed money then I would be losing out on money because of the penalty.

    Tim Douglass
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The penalty is typically only the current quarter's earned interest.

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    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Unless you have 10 grand to play with it makes little sense for those of us bouncing along the bottom of society.

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I would just end up taking the money out and getting penalized all the time.

    RomanceRadish
    Community Member
    3 months ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you're able, CDs are a no-risk, easy way to make a bit of interest. You don't need any special financial knowledge or ability. Just check with your bank or credit union.

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    Khushboo also stresses the importance of discipline and consistency. Regularly saving, monitoring expenses, and making thoughtful choices form the foundation of a healthy financial life. 

    Finally, she reminds everyone: “Always remember, it’s your hard-earned money. Treat it with care and respect.” Being intentional, planning carefully, and making thoughtful decisions ensures that your finances support your life goals. Whether it’s saving for emergencies, investing for the future, or managing day-to-day expenses, the right approach helps you achieve stability and freedom. Consistency, awareness, and patience are key to long-term financial success.

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    #25

    Person wearing brown coat holding a leather wallet with cash inside, illustrating money-saving tips that work. I trick myself into thinking I have less than I actually do. I got paid 400? Nah I read that wrong its 300. If I try to go shopping? I think to myself "now you know you only have 150 left" I still buy things but I think about it A LOTTTTT MOREEEE and typically only by things that are cheap that I know I will use again.

    scarystarsworld , Diana Light Report

    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don’t know how people manage to do this kind of “trick”. The real knowledge is right there in my brain, I can’t just ignore it.

    Deborah B
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Set up a standing order to "Pay" your savings account the day after payday. If you can, label the payment something like "Appliance Repair/replace insurance" or "Car repair prepayment" instead of "savings" or "Holiday fund". Having the money gone from the current account/main banking app, and designated as non-fun money helps.

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    Lene
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I decide by the end of each month how much I'll put on my savings account. Sometimes it's 1000 kroner. Sometimes just 500. On my no spend months I make myself put 1500 kroner on the savings account. And then my adhd brain forgets I have those money put aside and I only have what money is on my income account. So I pretty much, as soon as I get money on my account, put some of them away and forget about them.

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    #26

    1$ into savings every time you say dude.

    grouchytoad Report

    David Morgan
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    "Like" or "If you know what I mean". We criticise people for saying 'um' or 'er' because it indicates they haven't fully thought out their sentence before starting it, but we, like, don't mind people, like, saying like all the, like, time. It's infuriating.

    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    When I was in jail (don't ask) we played the 'um' game where people spoke and I put a tick on the board for each 'um'. We were trying to teach opiate addicts how to survive in a sober life and find a job. A silent pause is better than an um, but what beats that is being prepared and rehearsing.

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    JK
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I would also nominate "Um" and "Bro"

    My O My
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Woah dude, chill

    Rick Murray
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Sounds like the Swear Jar. They had one at school. It paid for the history trip to some old castle in or near Wales. Plus, you got to say "Aw f**k no!" to extra homework so long as you put your money into the swear jar. ;)

    Aileen Grist
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I transfer into savings whenever my current account doesn't end in a 5 or 0. If it ends in eg. £13.67 then £3.67 goes into savings. I check my bank on my phone everyday so it adds up.

    R1MV4Superleggera
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Oh, it could be much, MUCH better! If that person is one of those annoying individuals who don't stop saying those annoying words of "omg" in every sentence...they might become millionaires in no time, just saying

    AndrewC
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Did you put $1 in savings for that "just saying"? ;-) JK

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    #27

    I gaslight myself into thinking I'm broke until my next check.

    goose_is_pretty_gay Report

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I actually went completely broke about a year ago. Now I'm making much more money. But I keep pretending I'm as broke as I was at my lowest point. It's saving me a lot of money.

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    People who've been adrift in a lifeboat have been known to spend the rest of their lives , after rescue, hiding bits of food away. If we start doing this with money (but in something sensible like a high interest savings account) we'd all be amazed after a year or two.

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    CD Mills
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A foreman on one of the ranches we worked on would pretend that the day he got his check, that his bank account was at $0 and he couldn't go over what he earned on his latest check. He said it was surprising how much money he had by the end of the year.

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Put all your paycheck into non-withdrawal deposit (as other suggests) and you actually will be :)

    Blue Bunny of Happiness
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I am actually broke until the next payday….

    While Khushboo’s money-saving tips are practical and effective, some of the suggestions from these posts might seem a bit questionable. What do you think—would you try any of them? And what’s your favorite trick for saving money? Share your tips with us so everyone can benefit!

    #28

    Pink piggy bank with white polka dots on a dark surface symbolizing money-saving tips that work. Get a cute glass piggy bank that doesn’t have a way to open at the bottom or the top so you feel bad for breaking it and wont do it until it feels worth it.

    obsidians444me , Planet Volumes Report

    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I get too attached to cute objects… I’d literally never break it so I might as well have thrown the money away!

    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We toss spare change in our (accessible) piggy. Grandkids are the recipients. Gave 'em each $50 recently.

    Trish Frost-Copping
    Community Member
    2 weeks ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Glass piggies can be raided with a slender knife. Insert into slot and coins will fall out with encouragement. Trust me.

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    #29

    Man inspecting car engine in a garage, demonstrating practical money-saving tips for car maintenance and repairs. Pretend you're having an emergency. Your car isn't broken? It is now, you need $200 to fix it. You need a blood test, it's $100. ONLY THING THAT WORKS FOR ME!

    eloise.thats.me , Wesley Tingey Report

    Brian Droste
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Only $200 to get by your car fixed? That is pretty cheap unless it is a minor problem.

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    this car is so exepnsive, that even imaginary break is $200

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    Ace
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    ???

    JL
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I _think_ the point they are trying to make is if you pretend you have emergencies that required unplanned spending, then you will be less likely to blow cash on things you don't need.

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    #30

    One time I drove around nice neighborhoods on trash day then turned around and sold the curb scores at my yard sale.

    callmeabishonemoretime Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    so you basically working as junk delivery for your neighbors

    #31

    Every single dollar bill ($1 bill) and all my change goes into a jar.

    therealveronika_ Report

    Coralinea
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this with every €7.50 bill I get. For some reason I'm still at 0 after a year.

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    start putting $20 bills - you will save much faster :)

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    #32

    Hands counting US dollar bills, illustrating practical money-saving tips that help people save thousands of dollars. I make people pay me back in cash because I refuse to spend cash…so at the end of the year I just have a bunch of cash.

    jordan.sumler , Igal Ness Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    What happens at the end of the year? Are you turning into cash-throwing beast?

    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    No..but in the US, your 'Uncle' need not know.

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    #33

    Buy bonds you pretty much can’t touch the money for a period typically 3 months to 5 years but they can go for any length. Also consider a high yield savings acct at an investment place. Typically it’ll take 24 hours to transfer money to your checking and you be able to use it. This would stop impulsive buying as you’d at least have a small@think it over period. Plus it earns good interest and you can leave your money there risk free.

    torrencebarringtoniii Report

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    #34

    Woman browsing items on supermarket shelves, exploring unhinged money-saving tips that people swear actually work. You want something, think about it for like two months and I mean two months. If it’s something that won’t go away after a while, then use that rule.

    starunit_54 , Dollar Gill Report

    Beth H
    Community Member
    3 months ago

    This comment is hidden. Click here to view.

    No one is going to comment on this weird photo. It’s like she has a grenade stuffed in there. What is that?

    Risa
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Poorly fitting bra with too-tight shirt

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    #35

    Two people exchanging a bowl of tea outdoors, illustrating simple money-saving tips that actually work. Use all the social services you can get your hands on. There are free meals everywhere if you find them. Particularly at churches and community centres. I didn’t know until I was part of that realm but there’s a lot of help and resources available when you start looking (hopefully).

    _magicalmartina , Esra Afşar Report

    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Only if you actually need it though. Don’t take resources from other people in genuine need.

    Cindy Brick
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you don't 'need' it -- volunteer. Volunteers at these places get all sorts of perks...and no guilt that way.

    Patricia Steward
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I've done that when the bank account got too low, but I stopped when it came back up.

    Awkward lady
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you don't need it, don't do it!

    Matthew Barabas
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    you can do that regardless of your wealth level, but people may get irritated if they find out.

    #36

    Rather than buy and cook a whole meal, I would make a recipe from what's available. I also forage, trade, fish and garden. Lastly, I build and repair my own things. This lifestyle is rewarding for me bc I find it fun but it's also allowed me to live in 11 countries and travel for over 10 years straight!

    wild.ocean.pearls/ Report

    emlab kerba
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Sounds like a trust fund may be involved here. That kind of charmed life is awfully hard to achieve around a 40 hour work week

    Patricia Steward
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There are online sites that let you input what food you have on hand and generate recipes.

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    #37

    Eat beef and rice, bike everywhere, get rid of music subscription but use YouTube, have 6 outfits can easily be mix and matched but simple.

    ryan.kr0ll Report

    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    That sounds utterly miserable.

    Brian Droste
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    When you live in a small town where there is not much around, riding a bike everywhere is not an option.

    Hugo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Unhealthy to eat red meat more than once a week. Eat brown rice, though potatoes contain more nutrients (and eat the skin to get a reasonable amount of fibre).

    Karla Schmidt
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    That sounds totally practical and liveable to me. Keep one or two extra outfits in summer/winter standby for formal occasions and you are good to go.

    MeMosabe
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not at today's beef prices!

    #38

    Hand holding multiple credit cards, illustrating money-saving tips and strategies for saving thousands of dollars. Remove all cards from your phone and then at the start of each day think to yourself: 'do I need money today?'. If no. Leave any physical cards at home. Can't spend money I didn't bring.

    my_life_as_a_ginger , Avery Evans Report

    Helena
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    That sounds like a safety issue. You also can't get an uber away from a situation or something

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yeah, no way. I always have at least one card with me. But it's a debit card. So it's real money that would disappear and not credit I can run up.

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    AndrewC
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you have a credit card that gives you a good cash-back rate on purchases...this might cost you more than it saves you.

    #39

    I budget my money by day so I'll have a daily budget of like 20 ish dollars depending on how much I make I try to stay in that or I'll save one day to spend more on another.

    obsdn.swthrt Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    As long as you do the saving first, The road to Hell is paved with "little treats I'll pay for tomorrow".

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    #40

    Go on night shift, can’t spend money when you’re only awake when everyone is asleep and everywhere is closed.

    secretaltaccount2 Report

    Patricia Steward
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Please don't shop on Amazon. They're beastly to their employees.

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    Geoffrey Scott
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    One nice feature of that is you also get a shift premium of 20-50 cents/hr

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    only work and sleep all your life, die with lots of money

    AndrewC
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Doesn't work so well in NYC!

    Rick Murray
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Been there, done that, was massively glad when I could walk away from that and work sociable hours.

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    #41

    1 no spending week a month+ planning head has been a money saver without decreasing my life quality.

    hooptraveler Report

    Howl's sleeping castle
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I tried this few times and failed. Never crossed day 4

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    #42

    "But that's $20 you can save for X thing you want" And nearly every time it works.

    creating_ashes Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    once you actually want to do this, you 've basically hacked money.

    #43

    My method worked. Split all your spending into two categories: Predictable (bills, payments) & Non Predictable (groceries, gas, cash spent, eating out) Spending. From there subtract all predictable spending from your total paycheck, and then divide what’s left with needs first, and then choose one want. The goal isn’t the reach the cap of your paycheck on one category but as little as you can so next paycheck what you didn’t spend on those categories can be saved and you do it again.

    itstay727lor_ Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Definitely, rolling over whatever is left in your current account the day before payday, into your savings account, is a very powerful tool.

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    #44

    Im also bad at saving so I bought this metal box online for like 10$, and the whole thing is like complete metal and it only has one little slit in it for you to insert bills and the only way you can open it is if you rip it apart with a crowbar or bash it with a hammer so once I put money in there its like a commitment and it stops me from just taking cash out whenever I want.

    i_fish4fish Report

    Tyranamar Seuss
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This is a bad idea. How are you going to get money out without damaging the actual money? I don't think a crowbar would work to open something metal that was welded shut on all sides like that. I think you'd have to cut it out, and that probably means sparks. No bueno with paper money.

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    #45

    Work at a restaurant just for the employee discount.

    pin.kiepromises Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I hope you do have some salary, not just this discount

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    #46

    Work in the food industry.

    sp3akxn0w Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    but probably not for much money ...

    #47

    I separate my income into percentages. i put 30% into savings , 10% emergency savings. i don’t tap into those so it’ll build up slowly!

    rachtats Report

    #48

    Watching videos of people with the thing I want so I can satiate my need.

    lumpybag Report

    HeavyMetalHeart
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Sounds silly but I play a fashion game on my phone where I can “buy” fancy clothes for my digital models using points in the game. It actually reduced my tendency to buy pretty but impractical clothes because I get another way to “own” them!

    Howl's sleeping castle
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not for money but my colleague was trying to lose weight so he would watch food videos while eating lunch to imagine he is eating something really tasty

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    at least I can have an idea if the thing is as good as I imagine

    Mreoww
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    That just makes me want it even more.

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    #49

    If you have to ask how much it is you can't afford it.

    vblakelyy/ Report

    #50

    It's a false broke advice because you need to have a job where you have to travel, but basically I pay all the travel fees with my own card, so I'm even broker. And the next month the company send me the money to compensate. But I've already had my pay and survived the last month, so I put that monney directly into my savings.

    tarandraa/ Report

    Patricia Steward
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And if you use the right card, you can get cash back.

    #51

    $20 into savings every time some random celebrity posts on instagram, I use sabrina carpenter.

    gamewardenofficial Report

    Auntriarch
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So, a bit like a swear box then

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    As long as its not a politician ... you'd starve !

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    #52

    I hide money from myself so whenever I need it I just have to clean my room.

    ac.charlie.prvt Report

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    #53

    Snything that I contemplate buying, i just put that amount in my savings! its not full-proof but its something thats weirdly helped me!

    blues.chloos/ Report

    Hugo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The snything is full of proof.

    #54

    The 52 weeks challenge :) the 1st week of the year save 1$, the 2nd week save 2$ etc.. up to the 52nd week! (You don't have to do it in this order but it helps ;))

    stxrg1rl89 Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    are you +1 or double? In foirst case you will save impressive $1,326... in second, lucky you to earn over nine quintillion

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Nobody 'earns' nine quintillion, because nobody's contribution to society is worth that much. Certain people I'm thinking of, owe the world ...

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    #55

    I literally hyperfixate on random documentaries on yt and such to not go out till everything is closed cuz I forget the world exists. This also includes eating. Less shopping = less money spent.

    smartymaker Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I feel sorry for the ambulance crew who find your emaciated body, though ...

    #56

    If you buy makeup wipes, buy the cheap Walmart brand ones and cut them into smaller pieces. Saves me loads.

    sethstreiff Report

    Blue Sky
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Just use soap and water because that's what they are plus the wipes aren't good for the environment

    Irene Bucior
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I buy the ones at the dollar store.

    Unkeptwoman
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I stopped wearing makeup. My skin is so much better.

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    #57

    i work in a restaurant, the owner is a close friend to my family so i just told him to keep my paycheck untill i need it, so the money is just coming, i don’t have it, so i can’t spend it, win win.

    emmatomy_ Report

    David Morgan
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You better hope that the owner really is your friend, or you could get seriously screwed over. If I read this right, there's parts of, or entire paycheques, that your employer is holding for you, like a bank. If that amount starts to build up, it would be awfully tempting for the employer to start using it for their own needs, with the thought that 'you'll only ever call in part of the debt'. Banks operate that way too.

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    indeed they do, research 'fractional reserve banking' if you're brave enough. then start keeping your savings hidden under your mattress ...

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    #58

    I don't look at Amazon, or go shopping really anywhere. I get my groceries and that's it.

    miniminininja538 Report

    #59

    If you couldn’t buy it twice, you can’t buy it once.

    sophie.ciolko Report

    #60

    Never carry your wallet with you.

    scythebeetle/ Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    maybe have two wallets, one with money you expect to spend that day, the rest hidden at home. It does annoy muggers, though.

    WindySwede
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    How about using your phone as payment? So not nothing with you?

    My O My
    Community Member
    Premium
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I never installed the app to pay per phone. And I'm sure I'm not the only one

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    #61

    Whenever I need to save money I'm just like "damn, I really want a pack of cigarettes cause I just ran out. But maybe I can buy three if I save 50 bucks." And I force myself to only buy one and then I have the other 35 bucks for the remaining month and I'll just keep doing that until I have like, 100 bucks, then I'll spend enough and stop when I'm like, "damn, I need money for 3 packs of cigs." Works well.

    pixiefever.angeldust Report

    Lady Eowyn
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you stop smoking you'll save a lot more money and improve your health.

    Regenerative Liberty
    Community Member
    2 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Just buy native smokes for $3/pack when you buy a case. Plus you are then protected from the spike protein.

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    #62

    I have a shopping [problem] so i go to a retail store, almost fill up my cart, convince myself i don’t actually need any of it and put roughly what i would’ve spent in savings.

    alaynaa04 Report

    Awkward lady
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And presumably leave the trolley for some poor employee to unload, and throwing away any perishables! Not nice!

    Judy Reynolds
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Filling your basket on Amazon can be just as satisfying, and much less work for the employees.

    #63

    Get a hospitality job, step 2) get depressed step 3) once you’re depressed you won’t want to go anyplace. No going out= no spending money. Personally tested.

    just.nastyaaa08 Report

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I hope you find a better job, preferably one where you can feel you're helping people. Better pay would be good, too, of course.

    #64

    Buy the cheapest thing possible for everything you need. Use reusable things. Cut up old clothes and use them as toilet paper and wash them after use (doesn't work for poop). If you have food left over, do not throw it out, make something else out of it or save it for later. Instead of buying chips, season potato peels and bake them, makes for a great snack. Buy second-hand items.

    eszterkovacs122/ Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    "Buy the cheapest thing possible" is precisely cheap boot theory... not good

    Lady Eowyn
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It's better to save up and buy quality items that will last. For example, the shirt I'm wearing today is about 10 years old and the shoes - basic loafers that don't go out of style - are even older.

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Fully agreed - read up "Vimes' boots" for a full explanation.

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    #65

    Frozen mixed vegetables in a bowl, illustrating practical money-saving tips for budget-friendly meal preparation. My brother started going into supermarkets and purposely slipping over and pretending to hurt his head so he can get free frozen veggies.

    chomp.er07 , Joel Kramer Report

    Captain Kakapo
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    oh no please, take this ice away, carrots will easy my pain much better

    Andrew Keir
    Community Member
    3 months ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not an idea I'd be proud to recommend.