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Best Money-Saving Tips of Reddit
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- เผยแพร่เมื่อ 18 มี.ค. 2021
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Fall in love with the concept of being out of style. Clothes , cars appliances and home decor, something to be said about being a little out dated.
Or rather, being timeless! You can be out of fashion without being out of style! What truly matters is elegance, not adherence to trends and fads.
'Go kitch or go home'! Love it! I like getting old furniture and repairing (limited skills unfortunately) and repainting. (Think Jackson Pollock!) I've always say 'if I can't have good, I'd have loud.' But y'now? Even if I won the lottery, I'd still prefer pre-loved loud.
Nope, stop ruining it for the rest of us ;) you must be hip, and I'm not just saying this to keep thrift wares cheap 😂😢
At the grocery store, never look at the absolute price of an item, but only at the relative price (per 100g or 100ml). Even an item that seems like a cheap little expense (say: a steak for only $5) can be actually very expensive when you consider how little you get for your money!
What matters is not how little you pay at the register, but how much worth you get for your dollar! It's more economical to buy in bulk and make reserves of items that are on sale.
This is often healthier, too, because processed foods tend to be a lot more expensive per 100g or 100ml.
Make discount oil lamps with vegetables oil.
Make 6 of them and use at night in each room alternatively with your lights. Cuts the energy bill down
thats crazy, these day's led's use such little energy
Learn how the stuff you use on a regular basis works, like your vehicle, electronics and your home, then learn how to maintain and repair those things yourself. Not only will you save the cost of paying someone else to do that stuff for you, you will know it was actually done properly and you will even be able to make money offering other people your skills. I got a $75 electronics repair kit for christmas a few years ago and at this point it has saved my family and I thousands in repair and replacement costs and has more then paid for itself by other people paying me to fix their stuff (usually in food or other items). Also, I have got couple free smartphones and other electronics that other people wrote off as "dead", I would always offer to just try and fix it for them, usually for free and they would just decline and say " if you can fix it, it's yours, less e-waste for me to deal with", usually it would just be a loose cable that needed to be reset or I would just have to reflash the device's firmware.
Make sure you read the fine print on "cash back" or "points" credit cards, my bank offered me a "cash back" card and it seemed too good to be true so I read the agreement and the fee for simply having the card was so high that if I spent every dollar I made in a year on the card it still wouldn't have covered the fee. On top of this there were also other fees if certain conditions were met and the interest rate was over 20%. Needless to say I threw the offer right into the furnace.
Don't buy camping/hiking gear, instead stay out of my forest and do stuff in your cities where you won't bother me
How to save money:
Don't smoke or drink.
It's very expensive, if you're doing them it can be hard to quit but you can save so much money when you do, and if you aren't doing them, never start.
I'm obsessed with Temu. I buy all my crafting stuff from them and I save so much money. But I never realised how addicted I'd become so I've had to implement some drastic action to stop me from spending all my money there. Like one of the vids said, I put tons of stuff in my cart and then come back over multiple days to see if I still want the items. Most of the time I don't and when it comes to actually making a purchase (once a month and up to $40 only), I'm very discerning about what I buy. Of course, if I won the lottery, I would just buy whatever I wanted whenever I wanted, but that's a dream for another day.
Leave the debit card at home. Easiest thing in the world for me, saves me oodles each week just by packing a snack.
I really extend our money at home. All that cooking and sending my husband (i work from home) with lunch box really boosts our budget. Maybe the best thing in my kitchen is the pressure pot. I just pop some things inside and bam in 20 min i have meal, bam 2 knocked chickens, bam enough beans for soup, salad or pate. My freezer have smal glass jars with chicken meat, broth and veggies ready to be popted up in the oven or in the pressure pot. Now I am trying to make food for 2 for 25$ per week and it is not so bad when you don't eat outside.
Open a savings account. Deposit $5 a month. Learn to live with $5 less per month. Raise it to $10 and then $20. Then $50. It adds up. If you can do it with a 401k or RRSP or something then that's even better.
I'm currently putting $150 per month away into savings just by learning over time how to adapt to less funds.
You gotta be careful with that. Government dips their toes into your Savings account if you start earning high interest and they'll tax you.
I don't have a Savings Account when that happened to me. I save cash myself.
@Christin S. Yep open a Roth IRA. I've been depositing 40- $50 per month in it for years. Not much in the short term, but definitely adds up
If you are in the UK, you are not responsible for paying debt run up by a dead relative before their death. The debt has to be written off. Many companies may contact you and ask that you pay off the debt. Do not pay. This happened when my mum passed away. The local council asked for outstanding money for her social care bills and her mobile provider got verbally aggressive over £32. Obviously there are exceptions, so check with google before making financial decisions. I am talking about contracts being directly paid by my mum before her death. This does not include contracts paid from her savings created after her death, such a solicitors and funeral costs.
Take the smallest denomination cash to the supermarket. If you are only buying a $3 loaf of bread but you have $20 you will justify impulse purchases because you have plenty of 'extra' money, take a $5 and leave your wallet at home.
1:43 Walmart did away with all the small carts in my area for this reason. Funny, they consider their customers too stupid to figure this out!
@ 1:01 I wonder where they live where cooking a large batch of food costs the same as cooking one portion. Cooking for 5 costs a lot more than cooking for one where I live in the US.
Regrow greens
Things like spring onion , lettuce, garlic cloves , are very easy to grow in a tray
If you have some land , things like turnips ,zucchini , etc are very easy to grow
I saw a show about how marketers 'make us spend', full of all the tricks used.
Try using cash as much as possible. I know I can easily spend $100 on the internet but if I were to have to pass over FIVE $20 notes? That's a whole other story!
This wasn't properly tested on the show, but the makers asked friends and family and have them shop as normal for the week. As I said, not properly tested statistically but a majority of people spent a MINIMUM of 25% less.
Otherwise get a debit card. Then you can only spend the money you actually have.
@Jay Bryant a good attitude to have, but pretty much not 'common sense', as little actually is. I used to get in my 'snail mail' offers for $20,000 CAN BE YOURS! Not is not! You haven't won the Lotto, if you take it up you must pay it back! (Never seen on the envelope!) I twice had bad experiences with credit, when younger, so knowing myself and I can't let it happen again... Visa debit card ALL the way!
Have a high yeail savings . Separate from everything. Separate from investing.
Separate from everything. But YOU MUST SAVE like ten % or more if you can
People, please don't use credit cards. Don't waste money that you don't have!
Or pay the credit card ?
You need a credit card for credit as everything relies on "credit" now. Some job places hire based on your credit score.
Also, there is no interest if you pay off your full amount. So no interest and you're getting good credit.
It's a win-win.
Ture actually the opposite you only wanna pay with a credit card for literally everything bc it builds credit. A debit card is useless tbh but I'm still trying to get use to it myself. bc I still use a debit card most times and some credit.
Credit cards are how we function in todays society. Credit cards are extremely useful if you’re using money you know u can pay back .
I know this is 2 years old, but the advise should really be 'pay off any credit card straight away'.
A credit card can offer more protection over debit, especially for larger purchases or provide a buffer e.g. you cancel an order to buy something else but the money has already gone into pending.
I like this- thanks!! 👍
stop spending money on pointless things like cards, college, pointless consumerism, and never settle for low wages if you feel undervalued.
College is "pointless consumerism"? Funny how you consider college pointless, then say "dont settle for low wages"- So i guess you didn't go to college - what do you do for work that has high wages, with no "pointless" degree?
@@cosmonation1840 the trades. Have for the last 24 years.
Who has one for fast food?
Evening
Calm down
Do free gun things
Only buy what your sure your going to use
Steal things
My best money saving tip is..Don't Get Married! 😉
Or have kids!
@@Kelly-oe8kr YES! Glad I never had any.😀
Money.. What is this thing???
Don't drink alcohol.......
Digit it works
pay yourself first. i am privileged enough to be able to save over half my income immediately, and everything else i spend on necessities (groceries, rent, phone bill, etc) and utilities. every time i get a raise, i always increase the amount i want to SAVE not spend. if i get extra money, like if its a birthday or christmas i ALWAYS put at least half away before i spend it. same with my extra check i get (i get paid biweekly so twice a year i get 3 checks in one month, not 2)
i live at home (granted at the cost of my mental health and sanity) but the money saved is sincerely very worth it for me. i plan to buy a rental property and one day house hack. again this is only possible because i have a decent paying job and can live at home. otherwise this would not be possible and i understand completely. my rent is only 400 a month.
oh also auto transactions. set it and forget it sort of thing. all my bills are on autopay on a credit card and i pay it off each month. sometimes i go in the next day and pay my credit card off. my credit score is always in the upper 700s by doing this for a few years. most of that time i had one card with a 300 limit. i just opened one with a limit of 3000 and use my cashback points to pay off my balance. making 2 payments on your credit card a month instead of one kinda tricks the system into thinking you made more payments than you did, so it boosts your score quicker.
😮Making 2 payments instead of 1 kinda trick the system into thinking you made more payments..Only. you DID make more than one payment- I don't understand the "trick" part, you making 2 payments is more than one payment.
$250 / person / month is not a realistic food and drink budget. That's $8/day. Good luck!
I spent $101.64 on groceries last month. That lasted me 30 days. I did not eat out or order take-out during that time. People are just not very good at grocery shopping economically, I think!
@@princevesperal Can you provide a list of what you bought with that money and how it lasted 30 days. I don't understand - are you one of those extreme couponers? I really am interested. I cook all my meals at home and don't waste food. But I eat a healthy diet that includes meat, vegetables, fruits, and deserts too. No alcohol. My monthly is $350.
@@32266ms Not a couponer! Never used those!
The trick is to only look at the relative price per 100g or 100ml (or per lbs if you are in the US), and not the absolute price (ex: $3.99 for a bag of apples). Usually, the absolute price is written in large, bold characters, and the relative price is written in smaller lettrage underneath. This is how you maximize the value of your dollar. When you pay attention to that metric, you can really start to compare products and make the most out of your money. Always buy in bulk when you can, and stash up heavily discounted products. For instance, I never buy one of these little 450g boxes of rice every other week. I buy the big 8kg bag once or twice a year. I don't buy the little box of 10 tea bags. I get the largest one with 216 bags.
Some healthy foods are always cheap! Big bags of potatoes, Spanish onions, cabbage, rutabaga, squash, rice, bananas, apples, beans. These are usually under $0,30 per 100g. Then you supplement this depending on the current sales and promotions. If a price is really good, buy a lot and freeze/preserve/cook the item.
Avoid meats in general, unless there is a good deal. Meat can be 2 or 5 even 8 dollars or more per 100g! Sometimes you'll find chicken, fish or sausage packs for under $1 per 100g: that's when you treat yourself!
Most processed foods are actually very expensive when you compare prices this way. It's better to cook at home. Try to only get items that are less that $1 per 100g or 100ml. Ideally under $0,50.
Generally speaking, don't go to the grocery store with a fixed list of things you want. Go there and buy things that are cheap at that moment. I once bought four large pumpkins on November 1st when they were practically given away, and made sweet and savory dishes with them, while freezing the rest.
Does that help?
@@princevesperal Yes, thanks for taking the time. Makes sense and I believe you. I do most of those things but I also give in to what I want and buy it too. i.e. $5.59/lb for Seasoned tri-tip. 448 grams in a pound so it's a little more - $1.25/100g. There are other things too. Here in the US I believe people commonly spend well over $1000/month on food. Most people go to restaurants several times a week, and throw away food they bought at the market but didn't eat. It'll always be easier to save money than to make money. Thank You!
@@32266ms Yes, the US seems a little weird in that regard. It's the land of Costco where you can buy mayonnaise by the gallon, but then your throw so much food away, and the money you saved on the grocery bill is negated by the gas expenditure since you must drive to go anywhere... 🤦🏻♂️
I suppose prices may also vary depending on where you live exactly. Remote areas would be more expensive, whereas I expect oranges would be super cheap in Florida.
Stop buying shit you see advertised on Reddit and AdTube.
I just buy 100 bucks in Bitcoin on cash app every week. Works good so far.
Want Minecraft but it costs money? Can’t buy it? Get the free version called Minecraft education. It’s Minecraft but educational for children, hence it’s name, and at least it isn’t some fake free Minecraft that gives you some rip-off game or hacks you, Minecraft education is actual Minecraft that runs with the bedrock engine, it’s not gonna hack you as it’s created to teach children to code. Minecraft education is the same as normal Minecraft, just that if you press C on your keyboard your personal agent might spawn and just stay there, it’s a cute little mob that you can code to do anything. And by pressing c you also get the easy way to do coding with tips and such, and it’s pretty interesting, you could even use the coding part. But other than that, it’s just normal Minecraft with all the mods, maybe a bit behind in terms of updates, but it has the striders, axolotls, goats and such. It’s completely free, you can safely download it from the website, education.minecraft.net/es-es, once again this is 100% safe as it is made to be family friendly! It’s great if you want Minecraft but can’t buy it, you even get some free brand new things you couldn’t do in the normal one. It’s totally real Minecraft, just with coding.