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Discussion in 'Off-Topic' started by Brill, Feb 3, 2013.
Whatever you do, DON'T get drunk and buy $200 cowboy boots that you'll only wear once.
First thing to do on EVERY pay-day is to deposit a set amount - whether it's $10, $50, $101.76, whatever it is - put. it. away. into a savings account. Don't ask yourself "Well what if I suddenly need it?" because it should be an amount that won't immediately miss (like say, half a paycheck) but will get you into the habit of saving; and if you feel you can start putting more in, GO FOR IT.
That's how I budgeted for my new car. Every paycheck I took out $50, and at the end of the month when my bills were all paid and up to date, I set aside whatever else I could towards it. Lo and behold, 6 months later, I financed a used 2008 Altima that cost around $12K over a 5-year plan with an amount that's not killing me monthly.
Seems like you already know your problem and your solution. Stop doing that.
That's how I got to save enough money to emigrate to Europe. Just set a fixed amount to save ON payday, not after the month is gone. Then you'd gradually increase that amount until you hit the sweetspot on money needed to survive the month without sacrificing too much of your current quality of life.
And try to keep up with your expenses, know how much of your income goes into what so you see where you can make some cuts.
Give up playing Magic. The game just continually siphons your funds. Plus that shit went waaaaay downhill after 7th edition.
Pay ahead with rent, you can not get that money back like you would with a savings account now a days with Internet banking.
I banked several thousand while going to college and working by just limiting impulse buys (usually to zero) and planning the SHIT out of bigger purchases like guitars. You'd be surprised how much of a bankroll you can build by just not letting yourself get shit you don't need.
Eventually you get to the point where you're not waiting for pay day to get things, because you already had enough anyway and you still don't give a shit about the crap you could get. It's almost like pretending the money's not there, but eventually evolves into strict financial discipline. It's getting me through school crap while well-fed with no debt; should work for you too! Granted, that I don't drink or smoke helps immensely but it's a damn good feeling to not have to worry about next month's rent when so many of my friends/even my roommates are haha.
The wife designed a special cup for me that says "GAS Fund" on it. I toss all my extra cash in there and every Holiday she gives me money to stash away. It tends to add up relatively quick.
Figure out how much you spend on what you need - and...just don't buy anything else
Chicken and rice erryday.
Take time to consider big purchaces aswel, like sleep on it for a week or so, ive been wanting an iphone for a seriously long time but i just cant justify spending that much cash..
Even though im a massive apple fanboy, after sleeping on it I just couldnt justify it..
-eat properly so you dont feel hungry through out the day
-play with toys you already have (wheres your big box of lego? )
-download movies and music
-go to a park and talk to random girls, its fun and free XD
This. Me and a few buddies played it for awhile. If you want to win (especially for money), you have to SHELL OUT. Also, don't buy stupid, wasteful stuff.
Some food resources I've come across during my time as a student:
Buy a big bag of potatoes, spend an hour or so cutting, peeling, boiling and drying. Stick them in the freezer. It will keep your drunk binge eating costs down.
Large can of tomatoes, 2 cans of kidney beans, onions, herbs that other people have bought and never use. Lasts you up to 5 days worth of dinners. (P.S Add rice or some of those delicious potatoes you've recently frozen)
Why buy fruit when you can buy tinned fruit? Moneymoney my friend.
spend less money?
Hey, THERE'S a use for that dancing dinosaur
If I were you I'd go down to your local bar around closing time and buy random middle aged ladies drinks before I would buy anymore "Magic" cards...