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Started By
Message
re: Saving money 101
Posted on 9/30/15 at 12:04 pm to Statsattack
Posted on 9/30/15 at 12:04 pm to Statsattack
quote:
beauty products
How much can a wash cloth, a straight edge, and some Barbasol cost? $20?
0
Posted on 9/30/15 at 12:33 pm to AnonymousTiger
quote:
n top of that, cell phone plan for me and my wife runs $150/month.
Mine is 45 a month unlimited everything on straight talk
Posted on 9/30/15 at 12:36 pm to Powerman
I don't pay for my phone. The company does.
That would be $0 for those who need things spelled out for them.
That would be $0 for those who need things spelled out for them.
Posted on 9/30/15 at 2:38 pm to NolaGoldWave
Budgets are important but automation is the key. I've got my budget set up and know how much I have for groceries, lunch, booze,etc. I have my 401K, IRA, other investments, and credit card payments automated each month. Set it and forget it is how I like to operate my finances.
Posted on 10/1/15 at 8:56 am to TheHiddenFlask
While not a bad recommendation in theory, do you really think this kid who is obviously just starting out is going to be frequenting the same places as CEO's?
And the $10 cocktails thing..Isn't that basically the price of an average cocktail at every restaurant in the country?
And the $10 cocktails thing..Isn't that basically the price of an average cocktail at every restaurant in the country?
Posted on 10/1/15 at 9:09 am to Lawyers_Guns_Money
It's not hard. They don't have bouncers that check your CEO ID. You just need to make one connected friend and you have your in. It worked out well for me. I did the heavy savings thing for a while, but my career took off because of networking (in addition to the mandated hard work).
I live in Lafayette. Booze is cheap here. Good martinis will run you $12 at a nice place. The price isn't important in this whole scenario.
I live in Lafayette. Booze is cheap here. Good martinis will run you $12 at a nice place. The price isn't important in this whole scenario.
Posted on 10/1/15 at 9:11 am to TheHiddenFlask
Shocked we are page 2 and it hasn't been mentioned yet.
Mint.com
Setup your budget, attach you accounts, and monitor it every couple of weeks.
Mint.com
Setup your budget, attach you accounts, and monitor it every couple of weeks.
Posted on 10/1/15 at 9:21 am to NolaGoldWave
Do some prep work before taking the keys and committing fully to your goal of financial stability. Some things to do:
1) Compile a list of your income and expenses.
2) Do you have a credit card or any form of debt? If not, get a secured credit card to start building your credit history today. If you do have credit, get a rewards card if you do not have one. This is very important for financing down the road.
3) Create a set of financial goals to determine what exactly is financial stability in your eyes. Financial stability varies between people. One person might consider the ability to buy groceries for the week as stability, while others want X amount of dollars in their retirement accounts before announcing they are financially stable.
4) Create your budget with the information above. Set aside an affordable amount per paycheck to go towards retirement and savings/emergency savings. Pay off debts and work hard to reduce the amount of accrued interest. Put all of your payments on your credit card that do not incur a service fee, and pay it off monthly. Sign up for reward accounts with hotels, groceries, credit card to pocket extra dollars here and there. And do not shy away from using coupons.
5) Begin to advance your knowledge of your investments and life goals. Once you have accomplished steps 1 through 4, you are likely to get bored. Don't fall for this trap and make off-the-wall investments or purchases here and there. Stay committed to growing and being in it for the long haul. Your path to financial stability can be derailed in a heartbeat. Learn what you can now, and use that knowledge in your favor when emergencies happen.
1) Compile a list of your income and expenses.
2) Do you have a credit card or any form of debt? If not, get a secured credit card to start building your credit history today. If you do have credit, get a rewards card if you do not have one. This is very important for financing down the road.
3) Create a set of financial goals to determine what exactly is financial stability in your eyes. Financial stability varies between people. One person might consider the ability to buy groceries for the week as stability, while others want X amount of dollars in their retirement accounts before announcing they are financially stable.
4) Create your budget with the information above. Set aside an affordable amount per paycheck to go towards retirement and savings/emergency savings. Pay off debts and work hard to reduce the amount of accrued interest. Put all of your payments on your credit card that do not incur a service fee, and pay it off monthly. Sign up for reward accounts with hotels, groceries, credit card to pocket extra dollars here and there. And do not shy away from using coupons.
5) Begin to advance your knowledge of your investments and life goals. Once you have accomplished steps 1 through 4, you are likely to get bored. Don't fall for this trap and make off-the-wall investments or purchases here and there. Stay committed to growing and being in it for the long haul. Your path to financial stability can be derailed in a heartbeat. Learn what you can now, and use that knowledge in your favor when emergencies happen.
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