Cheap bastards, give me your favorite money saving tips.

I wear minimalist running shoes and only replace them when the soles wear through.

Your mileage may vary. (Pun intended.) I've found that I'm less prone to injuries since I switched.

Because millennials participation trophies avocado toast share if you like jesus

You can get 3 wipes out of 5 TP squares, rather than 2 out of 4 squares. 3 wipes typically gets it done. 4 squares for 2 additional wipes if necessary.

No tip will work if you feel you are depriving yourself or missing out on something. At least here in America, we have much more than we need. Can you learn to be happy with fewer goodies? That's kinda difficult when everyone you know has X, Y, and Z....even when every single one of them knows that don't actually need X, Y, and Z. Sorry to sound like a bad Kung Fu re-run, but if you don't desire it, you won't "need" it. Suddenly, you'll have more than you ever thought you needed.

Don't eat out. Plan meals around costs when buying from the grocery store which means less meat, more beans and rice. Get a decent paying job if you can. Don't let a credit card lapse to pay interest. Live within your means for residence. Conserve energy with your thermostat settings and get an energy evaluation to make sure your insulation is good, etc.

Always bet against the Browns when paying PIT/BAL, as they are usually the favorite, and it's worth eating juice. It's guaranteed $, so put a ton down to get a decent guaranteed $ back.

I agree with this. I am engaged, but still live cheap. I make 42k gross (plus 18k gross now, with freelancing), and drive a '14.5 Camry with 120k.

Tips:
Goodwill clothes.

Peanut butter, pasta, eggs are cheap protein and carbs. Also, use coupons.

Invest what you can when you can.

My expenses are about 21k a year net, but that includes $7200 a year into stocks, investments, etc. So more like 15k a year net in expenses.

My fiancee has a TV and we share it but for 8 years I had no TV and did just fine, as I had internet from WOW!

I do that for sure. No guilt either! I went to a place with paper straws, but didn't like them, so I went to the nearby Panera and switched them with plastic straw. The paper straws get soggy and are weird. Another liberal environment friendly policy that has good intentions but it makes it worse.

Depends on what the alternative is. If you're deciding between having coffee at home and going to a coffee shop, obviously you save money by staying home. But if you're trying to set up a first date with the girl you matched with on Bumble and you're deciding whether to ask her to meet you at a coffee shop or a cocktail bar, the coffee date is obviously the money saving option (obviously not the cheapest possible option...you could ask her to meet you at a park...but depending on the situation that may or may not seem appropriate and a coffee shop might be the cheapest reasonable option).

Just trying to make the point that you need to know yourself and ask "what will I do instead if I don't buy X" when deciding if X is really money saving. Another example of this for me is grocery shopping. If I cheap out too much on my grocery shopping, I know that I'll end up eating out. Better to be a little less frugal at the grocery store because if I plan on eating beans and rice for dinner every night and PB&J for lunch every day, I know myself and I know that I'll end up ordering in/eating out a whole bunch.

I do agree that there's never a reason to go to Starbucks. Wherever you are, there's no way that Starbucks is the best coffee shop available to you.

I knew a guy that distributed 200-300 football cards a week. I doubt seriously that he paid out more than 10% of the gross. When it comes to multiple picks against the spread, bettors just can’t do it. When it comes to an overall weekly operation, make your gross, balance your layoffs, collect the vig. Don’t ever presume someone doesn’t have a chance and don’t bet against them. Lay it off. I knew guys that were in so deep, they were on the “lifetime plan”. Pay 500 a week and bet all you want. They were all down 25-40k. All these people have passed now.

My cheap, rich uncle told me-

If I think I need to by something, I wait 2 weeks to think about it. Then if I went 2 weeks without it, I didn’t really need it anyway.

100% — that's my shoe/running money

Sign up for a free trial of all the food delivery companies that there are and cancel after you first delivery for each. Pretty easy to get codes for free boxes to make or that are premade

Mainly you want to avoid catastrophic mistakes with your money - gambling problem, alcohol/drugs, divorce, shopping addiction, uninsured medical bills, huge amount of non-dischargeable student debt. On the positive side, invest regularly in index funds from an early age. QQQ, DIA, SPY are primary examples - very low fees and index funds do far better than most actively managed funds. Put your retirement money here and don't spazz out about market up/market down. In 40 years it'll be way up. But also take a few chances on stocks, crypto, or a friend's business venture with amounts that won't keep you up at night.

This is great advice. It is so insane how much sports like skiiing or golfing are. A pair of shoes that will last you 3-6 months costs less than one day skiing or golfing in some places.

So you don't even need active managed funds? I.e. you can do it yourself?

Hey...this is my specialty!

I eat a diet high in fruits & veggies & save a ton of money right there. For some animal proteins I'll buy Great Value organic eggs & milk for 25% or so less than name brand organic products.

I pay for the cheapest Wi-Fi service out there ($50.00 - locked in for life). I use the free streaming app "Pluto TV" & get some much free sh*t to watch it's unbelievable!

I have a long-time running buddy who I trained with for years. We wear the same shoe size. He's got money & wears his running shoes for only about 300-400 miles before cycling them out. He gives me his old shoes & I run in them for another couple hundred miles (because of age, I run run low weekly mileage). I haven't bought a pair of running shoes in 15 yrs!

I do a lot shopping for non-food items at the dollar stores.

I have a cheap gym membership at a national chain for only 10 bucks a month with no annual service fees!

I'll join only the dating apps that offer free basic service.

My 2 bdr condo & sub-compact car are paid off.

Earning such a low income, I'd be laughed at & scorned by so many of these six-figure earners here on LRC.

But I'm happy, have a few close friends (including a six-figure earner lady friend who's an avid marathoner who doesn't judge me for being low income) & I appreciate the finer things in life that isn't tied into $$$ 😏

100% you don't need and probably shouldn't have actively managed funds. They do worse then the market (on average) and are more costly

I agree on the gym comment. You can get a good gym for roughly $10/month in a lot of places.

Sell old items or anything that you bought and have never used. Can easily make several grand a year reselling old or unused items of value on eBay, fb marketplace, depop, Poshmark etc