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/jew/ - Thrifty Living

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Guide to Success from nothing Captain Derp 12/10/13(Sat)05:41 No. 387 [Reply] [First 100 posts] [Last 50 posts] Stickied
387

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I started with a criminal record for petty narcotics pos and a 'computer tresspassing' record guaranteeing me unemployment almost everywhere except manual labor. I was also living in a SRO in the worst area you can ever imagine, had no money, huge debt and couldn't even finish university so washed out in the second year due to poverty.


STEP 1 - GET A FUCKING JOB

Any job will do. Some shitty manual labor position is great because then you also get some activity in so you aren't a fat bastard.

Easy jobs to get are landscaping (usually pays under the table cash), construction clean up, warehouse, or whatever you can find on your local Craigslist 'gigs' section. Alternatively there's the dreaded nightshift tech support. Look around for these on CL, or move to somewhere in your country where the jobs are. In Canada this means terribad mining and oilfiend work but it pays like $40/hr and there's nothing else to do up there, perfect for studying.

For me, I got a job at the post office and delivered mail, which meant I got off early and had lot's of time for school. Also consider institutions that will pay you to learn a trade, such as telephone companies and whatever else.

STEP 2 - START SAVING MONEY

Basic income budget rule is 70/20/10

Message too long. Click here to view the full text.


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Modern Mom 25/04/21(Mon)00:21 No. 4326

>>4325
It's not that easy now. They have computers that scan applications and resumes to determine if you're a good fit for the company. If it doesn't score above a certain percent based on key words, it gets deleted and never makes it to HR for reviewing.




Modern Mom ## Admin ## 12/08/17(Fri)01:43 No. 1 [Reply] Stickied
1

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Congratulations you poor bastards have earned your own board. Don't fuck it up. Any relevant rules will be created/added to this post when the time comes, but for the meantime try to keep it SFW.

Go Wild

Jesus Christ I'm useless; I should have specified that this board is for poor niggers to share money saving tips/vouchers and whatever.


42 posts and 6 images omitted. Click Reply to view.
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Modern Mom 24/07/15(Mon)13:52 No. 4046

>>3957
Found the Chinese random phrase spambot.




Modern Mom 25/05/01(Thu)18:46 No. 4347 [Reply]
4347

File 174611799092.jpg - (875.41KB , 1944x1433 , 71.jpg )

Genrally speaking, where can I reliably find low-paying, cash-in-hand work? I know in California you often see Mexicans hanging out around Home Depots and certain gas stations waiting for work in fields and other places, but knowing more sources would be helpful if I'm not along the coast or if I'm somewhere more Eastern. What tools should I bring along to get myself the most work? I don't have have a smartphone or Internet most of the time.
inb4 "get a smartphone": No.


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Modern Mom 25/05/11(Sun)02:06 No. 4352

>>4347
>I know in California you often see Mexicans hanging out around Home Depots and certain gas stations waiting for work in fields and other places
Is it really like that? I assumed it to be an urban myth.


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Modern Mom 25/05/11(Sun)03:49 No. 4353

>>4347
Your better off enlisting in the military in a field that you can work overseas, then leaving the USA.

Housing prices are never going down, it's over.




Why are boomers so god damn stupid? Modern Mom 25/04/24(Thu)23:41 No. 4338 [Reply]
4338

File 174553086074.png - (461.63KB , 626x920 , idiot.png )

Like what actually causes this abysmal level of retardness? The fuck even is this shit? Is it the lead in the water or all the acid they took in the 70s? Fucking christ man


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Sniveler 25/04/25(Fri)22:19 No. 4343

My fucking boomer mom is gonna vote liberal again in Canada literally just out of habit she's too lazy to do research she says her quality of life hasn't changed and technically that's true because we all just scrape by in poverty. Poverty never changes. But she's never known any different. I guess boomers are just in a stunted retarded "survival" mode and hate change.


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Modern Mom 25/04/25(Fri)22:40 No. 4346

>>4343
Day of the pillow soon.




Need Trading Advice Sniveler 25/04/25(Fri)22:15 No. 4342 [Reply]
4342

File 17456121324.jpg - (158.26KB , 1070x1497 , GpXSWvIXAAA03XN.jpg )

I am 35 and broke and jobless.

I'm gonna gamble it all on crypto.

What is the most secure and trusted trading app and wallet? What are your favorites?


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Modern Mom 25/04/25(Fri)22:20 No. 4344

>>4342
You're fucking retarded, don't do that. Actual stocks are low as fuck right now, it's still in a dip. You may as well buy lottery tickets if you're going to do crypto.


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Modern Mom 25/04/25(Fri)22:29 No. 4345

>>4344
Definitely this.




Cheapest tooth repair? Modern Mom 21/06/12(Sat)06:45 No. 3518 [Reply]
3518

File 162347310253.jpg - (319.17KB , 1620x1148 , 20210611_232111(1).jpg )

I have bad teeth and need to fix this. I'm 38 years old.


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Modern Mom 23/11/17(Fri)05:21 No. 3925

Cheapest? No dentist then. Here is your cheap route to dental health:

Buy hydrogen peroxide, baking soda, and a big tub of coconut oil. Cook and eat with the coconut oil, but make sure to swish with it at least ten minutes a day. I recommend swishing with hydrogen peroxide first for over a minute. It's up to you it you want to dilute it with water as directed. Brush your teeth with a coconut oil paste of baking soda.

Buy an immersion blender, and blend your food.


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Modern Mom 25/04/25(Fri)17:00 No. 4339

>>3925
I'am a chemist, and I sponsor this advice.


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Modern Mom 25/04/25(Fri)19:06 No. 4341
4341

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>>3518
Unironically drive to the closest Mexican border town. That's one reason there's so many snowbirds in Arizona. Yuma to be specific. Cheap meds, cheap vets, cheap docs, cheap dentistry.




When does total economic collapse happen? Concerned Citizen 25/04/23(Wed)20:17 No. 4335 [Reply]
4335

File 174543225842.png - (46.23KB , 755x450 , fredgraph(1).png )

That's a lotta dollars in a very short time.
Surely this means economic reset/Greater Depression/Stonk collapse/Civil War soon?
Why do we even have a non-government Federal Reserve Bank that creates dollars out of nowhere and then lends them to the US Government at interest instead of the Treasury just printing money on their own for free?
Total Boomer 401k collapse too?
What should I be doing to survive from now until 2050?


>>
Modern Mom 25/04/23(Wed)20:56 No. 4336

>>4335
The Federal Reserve Bank is supposed to be immune from political influence. For the most part, it is. The issue is banks and governments profit heavily from debt-based money, even if it's worse for the public in general.
It also isn't without its pitfalls, like in Guernsey for example. Guernsey's now considered a tax haven because they levy zero taxes on capital gains, inheritance, capital transfer, value added (VAT / TVA) or general withholding.
So in other words, while it would seem good to have the government take over printing the money for free, it'll just make things worse in the short term, and there's a lot of benefit to having it outside of political influence.


>>
Concerned Citizen 25/04/24(Thu)15:20 No. 4337

>>4336
It looks to me like right now the problem is:
>Government needs moar dollars because budget has a huge deficit
>Government borrows money first from not-the-Federal Reserve, whoever is offering
>Once alternate funding sources are dry, tell the Fed that the goverment needs exactly 235,822,251,298.02 to cover the remaining shortfall
>Federal Reserve prints the dollars out of nowhere and demands the government pay them back at interest (but the dollars to cover that interest don't even exist, so someone is going to have to default/bankrupt somewhere along the chain).

How is this better than replacing the final step with
>US Treasury prints the shortfall at zero interest
Then it isn't a loan that creates an impossibility of repayment.
Of course the better solution is just having a balanced budget.


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Modern Mom 25/04/25(Fri)17:04 No. 4340

Is this graph showing the amount of money in circulation? Surely we would have known about a 4x increase in 2020.




BEAN 22/01/28(Fri)06:42 No. 3621 [Reply]
3621

File 164334855776.png - (377.10KB , 800x800 , beanguide.png )

I am a traveling anon, and wish to offer /jew/ knowledge about BEANS.
What follows is an "iron diet" specifically for people who live in western countries, and face poverty due to cost rather than lack of income.


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Modern Mom 25/01/14(Tue)12:26 No. 4212
4212

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I just want to take this opportunity to mention that garbanzo beans/chickpeas are similarly cheap, easy and nutritious (also possibly less prone to causing gas). I've been eating them a lot more than normal beans lately because I prefer the taste.


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Modern Mom 25/02/20(Thu)10:02 No. 4259

>>4212
Well BEANed


>>
Modern Mom 25/04/22(Tue)17:46 No. 4334

>>3621
Beans are very high in oxalate and will absolutely fuck your kidney up if you overeat them for a long time.




Modern Mom 25/02/11(Tue)15:13 No. 4245 [Reply]
4245

File 173928318884.jpg - (2.81MB , 4000x3000 , 20250130_112809.jpg )

what would YOU do if you ingerited 300k USD and had no debt? enough passive income to retire would be great. maybe get a plumber and a truck to work for me or smth
pic unrelated i was mad about crackers


4 posts omitted. Click Reply to view.
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Modern Mom 25/04/17(Thu)01:52 No. 4310

>>4309
imo, jobs overall aint that bad. especially on a 4-10 schedule. im just tired of not being able to own a home, or even just take a month or two off between things to find a better one. or having a week long vacation or big car repair wipe my savings. doesn't help that i'm terrible with money, but it's not easy when you work 40 hours a week and dont wanna put that effort in.

my biggest point is that "passive income" on a decently big windfall like $300k is a bad idea, and the easiest way to surefire improve your life is negate the mortgage/rent/car payment and call it a day. im over the doom and gloom of work, i just want to make the most of my time off without being so stressed about my future's bleakness that i lose my personal motivation in my free time.


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Modern Mom 25/04/21(Mon)00:35 No. 4327

most likely same as now but now with more money. lived too long the way i did to want anything else. you don't just let go of your neet hermit ways after living so for decades


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Modern Mom 25/04/22(Tue)17:11 No. 4333

>>4245
invest 10% of it in bonds and the rest in voo. lowest mgmt fees of all the s&p500 tickers.




Modern Mom 25/04/21(Mon)03:10 No. 4328 [Reply]
4328

File 174519784231.jpg - (6.82KB , 275x183 , images (52).jpg )

People forget man, buying physical silver is a hedge against hyper inflation.


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Modern Mom 25/04/21(Mon)15:36 No. 4330

>>4328
This but unironically

Also gold is a slightly better hedge, silver is slightly more speculative and volatile, but both are good.


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Modern Mom 25/04/22(Tue)17:10 No. 4332

>>4328
silver is better for transactional value. ie take some silver coins and buy some bread.
>>4330
gold is a better store of wealth. you probably wont be buying groceries with a gold coins/bullion





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