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Message
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Posted on 11/9/18 at 7:44 am to NATidefan
quote:
What's your biggest money saving tip?
Do your own vehicle maintenance, cut your own grass and learn how to fix things in your house.
Posted on 11/9/18 at 7:49 am to NATidefan
Paid my bills off. Pay in cash. Removed my wife from my bank account.
ETA
Save 20-25% in your 401k before kids. It is really difficult to save and have 3-4 kids.
ETA
Save 20-25% in your 401k before kids. It is really difficult to save and have 3-4 kids.
This post was edited on 11/9/18 at 7:56 am
Posted on 11/9/18 at 7:52 am to NATidefan
Cut back on eating out.
Posted on 11/9/18 at 7:54 am to kywildcatfanone
Honestly just tracking your earnings and expenses on an app like mint is probably the most important money saving tip. It starts there and then you can reduce wasteful spending.
Posted on 11/9/18 at 8:01 am to SECdragonmaster
quote:
. Don’t buy depreciating items unless they are essential and can’t be purchased any other way.
You must own next to nothing.
ETA:
quote:
Cut back on eating out.
This is probably the biggest one. People would probably be shocked at how much they spend at restaurants.
This post was edited on 11/9/18 at 8:02 am
Posted on 11/9/18 at 8:02 am to saderade
quote:
Honestly just tracking your earnings and expenses on an app like mint is probably the most important money saving tip. It starts there and then you can reduce wasteful spending.
I had a buddy do this. He has three daughters and discovered that they spent 40% of their income (after taxes and house payment) on clothes every month.
Posted on 11/9/18 at 8:02 am to NATidefan
Simplicity, minimize. It's so damn easy.
Posted on 11/9/18 at 8:04 am to AUCE05
quote:
Save 20-25% in your 401k before kids
There's an annual maximum. No sense in hitting it before November.
Posted on 11/9/18 at 8:16 am to shotcaller1
quote:
I think that’s sound advice for lower income families. But for middle class, I’ve had a few thousand dollars of free car, flights, and hotels off rewards cards.
I think the point Dave makes on his shows however is that it is just an easy way to suck you in to spend more. Most reward programs offer 1-5% cashback on qualified purchases. So if you spend $100k you will get $1k or so in "rewards." It just doesn't make sense financially if you are in for rewards.
Posted on 11/9/18 at 8:17 am to MSTiger33
quote:
Stay single
or stay married.
Posted on 11/9/18 at 8:17 am to MSTiger33
quote:
Stay single
/thread
Posted on 11/9/18 at 8:45 am to NATidefan
I always said the same thing about vehicles, but a couple years ago I was in the market for a new-ish truck and with an end of year rebate, it was cheaper than a 2 year older model with 30k miles on it.
I do think this was an outlier though, still a proponent of not being new.
I do think this was an outlier though, still a proponent of not being new.
Posted on 11/9/18 at 8:52 am to CptRusty
That is just a tax issue. You can drop 100% in mutual funds.
Posted on 11/9/18 at 8:54 am to Statestreet
quote:
or stay married.
Like they say, "It's cheaper to keep her."
Posted on 11/9/18 at 8:55 am to NATidefan
quote:
What's your biggest money saving tip?
Money serves no purpose until you spend it.
Posted on 11/9/18 at 9:00 am to NATidefan
If you don’t have the money to pay it off if needed don’t finance it.
Posted on 11/9/18 at 9:06 am to AUCE05
quote:
That is just a tax issue
I don't follow. I was under the impression that 401k contributions were hard capped at ~18.5k (or whatever it is this year)...
If I understand your post, you can continue to contribute beyond the cap, but it's no longer tax exempt?
Posted on 11/9/18 at 9:09 am to NATidefan
I take 15% of my check and deposit in a different bank with no debit card. Money piles up there and you don't even miss it.
Posted on 11/9/18 at 9:11 am to NATidefan
Bring lunch to work.
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