For me I generally pirate most books I read, although if there is a book I really enjoyed I will buy the physical copy.
I also generally tend to avoid having takeaways because they are just so expensive in this day and age with inflation and tend to opt for cheap meals like pasta or rice etc.
Also I don’t pay for any streaming services, but borrow a VPN service from a friend to pirate the movies I watch.
Curious to hear of some ways that you people here save money.
I have very debilitating anxiety that traps me in my apartment the vast majority of the time, so I save a lot of money from not having to pay tram/bus fees and stuff like that…
¯\_(ツ)_/¯
i saved so much money having crazy anxiety and becoming super ripped from calisthenics i did in my room
but im also a rock climber and i save money there by working at a climbing gym
I pirate damn near every piece of media I consume.
I also have my automatic 401k contributions at work cranked up to like 15%. I never see the money in my bank account so I don’t even think about it and force myself to fit into a smaller budget- which is the best way to save.
A good tip about 401k is to increase it by 1% every year, you’ll never notice the change and continue saving more and more.
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Wish I could crank my 401k. But I’m already having to work a second job to make ends meet. I’ve been sorely tempted to get that 4% back in my pocket for about a year now.
Yeah the auto transfer on paycheck is really good.
Although I do it through an auto transfer from my bank account to stocks account and then an auto buy of various ETFs and indexes (we don’t have 401k where I live)
helps with the “this I what I got” mentality, rather than slowly creeping your daily expenses up to meet your full paycheck
Local library for entertainment - free ebooks, free streaming of movies, passes to museums/state parks etc.
Eat at home, cook in bulk and eat leftovers to save time/money.
Ad block for watching YouTube/network tv without annoying ad breaks
Bodyweight fitness, walking, and at home yoga for exercise - no need for a gym membership
Use Facebook marketplace to get free/cheap furniture
sometimes i pirate groceries at self-checkout
You wouldn’t steal a car.
Of course not. Take a look at OP’s topic, we “pirate” these things to creatively save money.
Note sure if I’m wooshed or you haha I was quoting a stupid ad that would roll before every movie in the 2000s.
You wouldn’t download a car. And everyone was like absolutely I would.
You wouldn’t download a car.
does the door alarm not go off? ive always been paranoid to try just incase i somehow end up in jail over a candy bar or smth
When the door alarm goes off, most people keep walking - and the store employees often don’t care.
Most places, the store employees are trained to do nothing. Several stores I worked at specifically state with a lot of emphasis to never engage a shoplifter. They might have a gun or attack you or who knows what else. Plus the cost of prosecuting someone for shoplifting is often greater than the value of what was stolen, so the small time thefts are largely ignored. Instead preventitive measures are used like visible cameras and engagement. So if you’re ever at a store and you find employees are repeatedly asking if you need help with anything, there’s a good chance someone thinks you are shoplifting (but not always!)
My always on buy two get one free discount
4011
On paper I buy a lot of bananas
Creative? Cut your own hair.
Been doing this for 10 years. Only once did I mess up badly enough to have to resort to a buzz cut!
It’s pretty easy for most men to give themselves a passable haircut too.
Buy a half decent set of clippers. They don’t need to be particularly expensive, just not cheap crap.
Brush the top of your hair to the middle, as if you’re giving yourself a mohican, and brush the sides and back downwards. Make sure that the lines separating the sides and top are level.
Put a guard on the clippers that you’d be comfortable with the length of if you accidentally get it wrong. It’s a #4 for me, or about 10mm.
Using your off hand as a block, hold the top of your hair out of the way and shave up the sides. Do the same at the back.
Take the guard off and carefully cut around your ear, folding the top of your ear down to see better, if you can.
Using a longer guard, about 30mm in my case, cut the top.
The hardest part is tidying up the back of your neck, so ideally you’d want someone to help, but you can do it in the same way that you did the top, and use your hand to protect the hair you want to keep.
If you did it right, you’ve got a new short back and sides. It’s a basic cut, but most people can pull it off :)
Here’s my tip to you for doing the back: go somewhere with a big mirror and hang a small mirror opposite, then look into the small mirror to save you from having to hold it and from bamboozling yourself moving the mirror about.
Moving mirrors in the opposite direction accidentally really sucks lol
One of numerous situations in my life where I make myself look like an idiot and no one’s looking anyway.
I like to buy things that save money in the long run. Cooking, biking, cheap Steam games over expensive console games. I offer VPN or other subscriptions to family if I can.
We stopped after one kid. Saved a lot of money. Friends all have 3-4 and are always broke. We have plenty of capital to enjoy life, vacation, and live a modest life.
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You know yourself better than I do but, is kids really something you want to compromise on? My high-school sweetheart of 11 years said she wanted a kid and was pushing hard for it and I know I wanted exactly 0 kids. I decided to end the relationship since it would be the best for the both of us. Some things people shouldn’t compromise on, you can’t just get rid of a kid if you don’t want it and putting a kid through divorce is damaging.
One kid costs about $10K a year, mostly daycare or after school care. Usually a couple can afford that and still be okay. The return on investment is pretty big since the kid provides you with lots of opportunities being a childless couple does not. Now having four, that’s a ticket to broke town.
$10k is low end, and won’t even cover paying for 4 years of a state college. In state most places is pushing $35-40k/yr including room and board. Out of state is closer to $60k/yr. If you make enough not to get any financial assistance, Ivys in big cities are going for close to 6 figures once you pay for stupid-expensive rent. Even in a good growth fund, $10k/year starting at birth may not even fund a BS degree.
Now, ongoing maintenance on multiples gets cheaper in quantity, you just have to steer them towards the trades so their college costs disappear. Or hope they get full ride scholarships with housing allowances.
- pirate media: shows, books
- bulk buying toiletries / cleaning supplies when there’s a good deal somewhere
- use
contraption for toothpaste and other toiletries - skip lunch often
- take care of appliances by fully cleaning them often
- do dishes and laundry at night
- YouTube the hell out of things that break to figure out a way to fix it myself
- use a heated blanket during the day to keep the heater on 16 C°
- cut my own hair with the help of YouTube
Just a money tip for others: you can use a side of your benchtop (or any other hard right-angle) to squeeze your toothpaste, no contraption required.
That’s a smart one!
My hands don’t work the way I want them too (read: I’m disabled) so I’m always on the lookout for handy dandy contraptions, ghehe
I’m wondering, what does the heated blanked have to do I with the heater?
My Guess: Instead of warming the whole house/apartment, you are just heating yourself. Which would be a lot less expensive.
Ah, I read it wrong. Somehow my half asleep brain thought he put the blanket on the heater…
Yep, that’s the reason :)
Something that I will claim I did to save money was get a new motorcycle. I traded two bikes, one that was exceedingly hard to grt parts for, and one that had a ton of miles, a ton of abuse, and had reached the point where it needed something fixed once a week. So now I have just one, and it actually works.
The other, more reasonable thing I’ve done has been more cooking at home. No more getting fast food, because it’s no longer fast, or cheap. A really interesting side effect of this is my wife and I losing weight, me not needing to medicate myself to sleep anymore, a drastic reduction in antacid/tums intake, and a stark reduction in the amount of junk food I crave. I used to want a soda all the time, now it’s water or maybe tea. I was originally tired of the way the prices kept going up, amd just tried to cook for myself, and I started looking up recipies… now I have a collection of recipies that I might turn into a family cookbook, and I’m adding to it all the time.
I have one exception to this rule and that is Chinese food every other Tuesday. It is one of those places where nobody speaks English so you just know it is going to be good. That and the portion sizes are huge for cheap.
I might die of a heart attack, but at least I will die happy.
Definitely get yourself a treat on occasion… just be smarter than me and don’t get it every day!
One meal a day
Same, so I gain my minimum sustenance to work for my overlord employer and pay my “well invested” taxes to the government who grants me this quality of life. How could my landlord live if I’m greedy and eat too frequently or varied.
Sorry to hear, I do sympathise. I hope things get better for us. I’m still figuring out how to pay my new 30% rent increase this month after five previous rises this year already…
I have 1% of my check go into an account that isn’t connected to a card, or connected to my main savings and checking. I have to go to the bank if I need it. With me being a bit lazy, money adds up over long periods of time
Having cheap hobbies
Hiking
Hiking is really only the cost of something to hold water and passes (that you think you’ll use) for the year.
People will shout, “But you need the right shoes!”
You just need comfortable well fitting shoes. I hiked in my every day running shoes until I literally walked through the soles. Somewhere north of 5000 miles of walking in 5 years is what they got me and they cost me about $100.
I didn’t buy dedicated shoes for hiking, those were just my normal shoes.
Biking
I got a used bike for the low low price of “is that a bike frame in the bushes?”
After about $200 in replacement parts I’ll ride it until it breaks.
It’s easy, it’s cheap, and it’s good for you.
The bike I had before I got for $50 at a garage sale and I rode that thing for 2 years until it got stolen. It was a good bike, I hope they enjoyed it as much as I did.
Photography
Fun fact about photography: if you have a phone with a camera you can get into it.
Seriously, “The best camera is the one you have on you,” is a common saying in the photography world.
And editing pictures is also super cheap.
You can do very basic edits on your phone but if you want to edit on PC (trust me you do) then you can get great software for free to do it. GIMP is a great alternative to Photoshop and Darktable is a great alternative to Lightroom. And did I mention both are completely free?
And sometimes (though rarely for me) people will want to either buy pictures from you or pay you to take pictures for them. So that can subsidize the costs for delving deeper.
3D Printing
No I’m not joking.
The barrier to entry can be high but all my printers have paid for themselves at this point and in 2 cases at least twice over.
And I don’t just mean in terms of selling prints I also mean in terms of saving me money on replacement parts.
Reading
Personally I have a local library card and use apps on my phone to listen to audiobooks.
I do this rather than pirate books because it’s super easy IMO.
And that’s it for hobbies really, though I do have a few more those are really the ones I typically orbit the most.
Also cooking as much as possible vs eating out. I still eat out once a month with my friends but I cook almost every other meal I eat. Some are frozen (I’m not perfect) but even then it’s cheaper than picking up takeout.
And not drinking alcohol anymore. I couldn’t believe how much I was spending on alcohol until I quit drinking. Though I avoided drinking at bars (holy shit it’s expensive) those bottles weren’t cheap.
Brewing my own tea and coffee also saves a lot of money. It blows my mind how much some people I know spend on coffee simply because they don’t brew it themselves.
Maintaining my car rather than upgrading it every 5-7 years. Also doing what I can myself (or with friends) rather than going to a mechanic. My car was made in 2007, I plan to drive it until I can’t fix it anymore. Then I get another used car to maintain as well.
There’s a lot really but that’s just a brief… (looks up) briefish list
I save so much money with my 3D printer. Broken parts are easy for me to design and print, and I’ve kept a lot of appliances out of the trash when they just need some little plastic part.
I’m single and childfree. Saves a shitload of money.
Get a bicycle and use that for as much of your transportation needs as is possible.
If you can avoid owning a car by this method, you save a lot of money on car payments (or invested capital)/insurance/maintenance/fuel. Even if it doesn’t allow you to ditch a car, you’ll spend less on fuel.
If it replaces public transportation trips, then you save a bit on those.
Finally, the health benefits of extra exercise are going to pay huge dividends that are hard to measure but significant nonetheless.
Cutting down on alcohol. Due to Australian tax, it’s actually pretty expensive (except cheap wine). Beers at lunch add up.
Pirating media
Buying a large set of 500 mL plastic takeaway boxes with lids (Chinese takeout boxes). They’re more useful than just poverty Tupperware, you can use them for storing lots of things, as small mixing bowls, etc.
Buying spices in bulk. There’s a store here where you bring your own jars and stuff, all the cumin is loose and you just pay for product weight (which is way cheaper than mainstream supermarkets).
Asian grocers. Everything is generally cheaper, and they sell these large jars of minced garlic with big chunks of garlic (rather than the puree from woolworths).
Generally, the more interesting yet low effort you can make your cooking, the less you’ll feel the need to eat out or splurge on “reward” meals. Asian food can be very good for that (east asian, south asian, middle east), and you’ll impress your white friends.
Canned and frozen versions of vegetables, instead of fresh. If you’re making a stew or curry, it doesn’t really matter. Also, frozen broccoli is more floret (the tree bits you pretend to be a dinosaur at) by weight.
Just steal stuff. Do it irregularly, and always be a polite smiling face to service staff. Bring your own bags and hide your stolen produce under the bags. Leave the bags in the trolley and fill up stuff you buy on top of them.
Service what debts you can.
Really, the biggest costs tend to be emergency vehicle servicing, hospitalisations, and rent. Any way to reduce those (sharehousing, having friends that can do those sorts of work, spreading the work out amongst the community) will go way further than a lot of things I’ve just listed. Community is hard to find though
