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62% of employees have reduced their short- and long-term savings contributions amid high inflation and concerns about a possible recession. Moreover, 71% of employees said money-related stress has negatively affected their work and personal lives, a 7% increase from 2021.

And while we at Bored Panda don't have the instruments to change the monetary policy, there is something we can do to help the situation. Have a laugh about it. After all, humor makes everything better, doesn't it? So this time, we invite you to join us in exploring the subreddit 'Frugal Jerk.'

Its 147k members constantly share memes about being poor, often taking things to ridiculously extreme levels to accentuate the painful realities of bills, taxes, and everything else related to personal finances.

"We, the proud few who stand on the cutting edge of frugality. We hold our heads high as we steal toilet paper, shoplift lentils, reuse condoms, syringes, and drink our own piss to save multiple dollars each year," the people behind the online community write in its about section.

So continue scrolling to check everything out and don't miss the chat we had about spending and saving with Doug Nordman, who managed to retire at 41 and now runs the website Military Financial Independence and is the author of The Military Guide to Financial Independence and Retirement.

#1

When The Machines Try To Take Over

When The Machines Try To Take Over

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#2

How To Furnish A Home

How To Furnish A Home

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Becky Klebe
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Check out the Johnny Cash song, "One Piece at a Time" - https://www.youtube.com/watch?v=uErKI0zWgjg

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Nordman told Bored Panda the biggest mistake he sees people make in their early steps toward financial independence is trying too hard.

"Frugality is challenging and fulfilling, and it's sustainable," he said. "Deprivation has its uses (paying off credit-card debt) but it can lead to burnout. Strive for work/life balance, lead a quality of life that makes you enjoy the journey, and put your investing in autopilot."

#4

Could Becoming A Murderous Clown Be The Secret To The Ultimate Frugal Lifestyle?

Could Becoming A Murderous Clown Be The Secret To The Ultimate Frugal Lifestyle?

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It's easy to form bad financial habits. For example, a 2021 study found that panic buying transformed into impulsive buying.

The survey of 2,000 online shoppers, commissioned by Slickdeals and conducted by OnePoll discovered that Americans impulsively spend an average of $276 every month. (That adds up to an extra $3,312 spent every year and about $198,720 in a lifetime.)

The most common spontaneous emotional purchases were food and groceries (48%), household items (42%), clothing (40%), and coffee (33%).

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#7

Tip: How To Do Laundry For Free!

Tip: How To Do Laundry For Free!

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#8

Save A Fortune In Christmas Presents

Save A Fortune In Christmas Presents

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Just Jeff
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

New Years Goal: Rekindle old friendships that I've recently ruined

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#9

How To Get Absolutely Hammered (In A Frugal Manner)

How To Get Absolutely Hammered (In A Frugal Manner)

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To get rid of these pesky (and often expensive) habits, we need to be mindful about our budgets.

"Start by understanding your spending," Nordman suggests. "If it's valuable to you then you're willing to work for the extra years of life energy to pay for it."

#10

If You’re Not Part Of The Economic Elite That Can Afford To Flush

If You’re Not Part Of The Economic Elite That Can Afford To Flush

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InvincibleRodent
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Everybody sing it with me: Boss makes a dollar while I make a dime, that's why I poop on company time.

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#11

Cat Trying To Collect Insurance

Cat Trying To Collect Insurance

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Smiley_Cat
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Cat: Oh no i have been hit with this car. I will need to collect $5,000,000 from you

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#12

Deli Meat And A/C Are For Fat Cats

Deli Meat And A/C Are For Fat Cats

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"If it's wasted spending then cut it ruthlessly and invest it in your retirement accounts. Here's the important part: automate your investing so that it's a habit you won't have to decide with every paycheck," Nordman added.

"You used to be a person who lived only for today. Now you’re the person who’s stacking new habits for a better life."

#14

Not A Bad Idea

Not A Bad Idea

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Katy Cordeth
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Pro tip: Defer his second birthday for another year. In the meantime, teach him rudimentary reading/math skills and other stuff. By the time he enters kindergarten, your 'four-year-old' (who's actually five at this point) will be more academically advanced than his peers and the teachers will assume he's gifted. If you're worried he'll be taller than his classmates, limit his diet to non-nutritional food to keep his height down. That's what I did with my three boys. Although it would also work for girls.

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#15

5 Dollar Thrift Store Chair. On Mondays Everything Is Half Off So We Got It For $2.50. Upon Bringing It Inside We Found $3.88 In The Cushions. #blessed

5 Dollar Thrift Store Chair. On Mondays Everything Is Half Off So We Got It For $2.50. Upon Bringing It Inside We Found $3.88 In The Cushions. #blessed

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#16

Join The Revolution, Brothers

Join The Revolution, Brothers

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#17

This Wendy Person Is Clearly An Elitist Fatcat!

This Wendy Person Is Clearly An Elitist Fatcat!

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It looks like people have been increasingly interested in saving (or earning) an extra dollar. At least on the internet.

For example, membership on the subreddit r/FinancialPlanning grew 87% between June 2020 and 2021 to more than 241,000.

And in the past year, it nearly doubled, reaching 423,000.

#18

This Genius Has A Good Idea About Keeping Rent Low

This Genius Has A Good Idea About Keeping Rent Low

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Sue User
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I have told this story before. Moved into a new house in new neighbor hood. I was outside cleaning my throw rugs with an oldtimey wire thing. Cop pulls up, asks me if i heard anything, they have had reports of gunfire. No, i havent. He drove away. I thought " where have i moved to?" . Picked up the rug beater, hit the carpet. Oh.. um my bad. Beat the carpets a little less vigourously from then on.

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#20

My Father, Smuggling Cheese Slices Into A Local Burger Joint, Rebelling Against Their $.60 Upcharge... Resist!!!

My Father, Smuggling Cheese Slices Into A Local Burger Joint, Rebelling Against Their $.60 Upcharge... Resist!!!

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#21

Imagine Thinking You're Poor When You Have Four Whole Slices Of Bread!

Imagine Thinking You're Poor When You Have Four Whole Slices Of Bread!

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BasedWang12.3
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

this is hella legit... specially when the lights are off because they were Too Much

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For investing-specific conversations and news, over 2.1 million users turn to r/investing. (That subreddit's membership grew 83% between June 2020 and 2021.)

Then there's the subreddit r/personalfinance with a whopping 16.6 million-member army that hosts conversations about anything and everything related to spending, earning, saving, and investing.

So there's much more than memes to discover. Although these are savage, not gonna lie.

#22

Practical Thinking

Practical Thinking

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Debbie
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

It's not a bite imo, the bottle was laying sideways and this is how the pills melted / solidified.

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LeeAnne B
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Slice them up rather. You can gauge the approximate size of the original gummy.

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poiplescales
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm just staring at the shape and imagining that they cut the bottom of the bottle off to get it out without destroying the form.

saba81de avatar
Sandra Bartsch
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Use a grater for daily vitamin chips hehe…. But besides that: I‘m afraid that maybe the heat destroyed all the positive effects of the vitamins

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N8 Lamphere
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

If it got that hot it changes some chemical compounds in there. Good luck.

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Stephen Humphries
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

That's most definitely some liquid that has been frozen inside the bottle. There's not enough product in these bottles to fill the whole container like that

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Lavinia Simons
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I did that once on an unseasonably hot day and Target happily replaced them the next day.

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Ivan Petrov
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Or you can use a cheese grater and weigh the dosage. Just do it in the privacy of your home, unless you want free nightly accommodation. But then again, maybe you do?

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Bridget Myers
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Hey, OP- could you please remove the OD reference? Thank you, much appreciated.

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Viktor
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

You can’t overdose on vitamin supplements, you’re just making expensive pee.

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Barbara Cochrane
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

How about being a grown up and not need your meds to be in the form of candy?

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Don Keideck
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I call bullshiat. The air between the gummies would rise and cause the melted gummy wad to be much smaller than the container. What kind of person would lie about such a thing? Why?

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Seth
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

The bottle may have been laying on it's side when it was in the car, and they're just showing us the smooth aide.

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#23

This Guy Understands Us

This Guy Understands Us

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#24

Look At Mr Fancy Pants Here With Tupperware. I Use Leaves To Carry My Food

Look At Mr Fancy Pants Here With Tupperware. I Use Leaves To Carry My Food

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#25

Lpt: Peel All Produce Before Weighing To Save $$$ At The Grocery Store

Lpt: Peel All Produce Before Weighing To Save $$$ At The Grocery Store

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#26

Saving On Graduation Pics

Saving On Graduation Pics

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Sue User
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I actually did this. Just kept the samples of my senior pictures. Luckily only small watermark in corner.

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#27

Easy Grill

Easy Grill

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Alan Green
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Before anybody actually tries this. That's likely made from galvanized steel. You could get zinc poisoning or worse if other metals/compounds are present.

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#28

I Got Outed As A Fat Cat

I Got Outed As A Fat Cat

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#30

I Already Live In A Cardboard Box And Don't Eat, When Do I Get The Money???

I Already Live In A Cardboard Box And Don't Eat, When Do I Get The Money???

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Note: this post originally had 44 images. It’s been shortened to the top 30 images based on user votes.