Ways to Save Money

[Lonehiker]

Originally Posted by Blansky

Don't get divorced.

Perhaps go back a stage: don’t get married!

[daveathall]

Getting milk delivered by a Milk man. I don't know how many times I went to a supermarket for a couple of pints of milk and came away with a full shopping trolley and a bank balance lower by 50 or 100 pounds.

Buying eggs straight from the farm.

[TheVTCGuy]

Originally Posted by MrGoat

I heard 1m per kid from birth till college graduation and I heard that like 6 yrs ago.


Sent from my Apple privacy invasion product

To all of you thinking about having a child…

Send me HALF a million and don’t have the kid.

There, I just saved you $500,000

[Blansky]

Originally Posted by Lonehiker

Perhaps go back a stage: don’t get married!

I like being married.

And it's fun splittin' the loot as it comes in, just not a fan of splittin ' when the split happens.

[Lonehiker]

Originally Posted by Blansky

I like being married.

And it's fun splittin' the loot as it comes in, just not a fan of splittin ' when the split happens.

Obviously, I was joking!

[TheVTCGuy]

Originally Posted by daveathall

Getting milk delivered by a Milk man. I don't know how many times I went to a supermarket for a couple of pints of milk and came away with a full shopping trolley and a bank balance lower by 50 or 100 pounds.

Buying eggs straight from the farm.

Do you guys still have milk men Dave? Man, I don’t think we have had those deliveries in the US since the 60s. I remember my mom placing the order sheet in the little box built in to the house, a door was on the outside and the inside and that is how we got milk. Am I wrong? Does it still exist Other Americans?

And for the record, I was VERY young in the 60s!!!

[Blansky]

Originally Posted by Lonehiker

Obviously, I was joking!

I know. But you got me thinking about it. Hmmmmm.

Too late now anyways.

[Blansky]

Originally Posted by TheVTCGuy

Do you guys still have milk men Dave? Man, I don’t think we have had those deliveries in the US since the 60s. I remember my mom placing the order sheet in the little box built in to the house, a door was on the outside and the inside and that is how we got milk. Am I wrong? Does it still exist Other Americans?

And for the record, I was VERY young in the 60s!!!

One of my earliest memories is of the milkman coming down the street in a horse pulled wagon. Canada circa 1955.

He would get out with his metal bottle carrier that had 6 bottles in it and would come to our house and then cut across the lawn the neighbors, and the horse would walk along the street keeping pace.

[TheVTCGuy]

Originally Posted by Blansky

One of my earliest memories is of the milkman coming down the street in a horse pulled wagon. Canada circa 1955.

He would get out with his metal bottle carrier that had 6 bottles in it and would come to our house and then cut across the lawn the neighbors, and the horse would walk along the street keeping pace.

OK, for the record, MY milkman drove an internal combustion engine truck.

[Star Ferry]

Originally Posted by TheVTCGuy

OK, for the record, MY milkman drove an internal combustion engine truck.

So he’s a brave, independent milk man who refuses to be influenced by The Man?

[daveathall]

Originally Posted by TheVTCGuy

Do you guys still have milk men Dave? Man, I don’t think we have had those deliveries in the US since the 60s. I remember my mom placing the order sheet in the little box built in to the house, a door was on the outside and the inside and that is how we got milk. Am I wrong? Does it still exist Other Americans?

And for the record, I was VERY young in the 60s!!!

Yes, well, some areas do. Ours is a proper gentleman and during covid used to pick up things for those that were vulnerable or shielding and deliver them with no charge.

Next you will be telling me that you stopped having window cleaners.

This is true, until recently, I used to leave the milkman monthly payment under a flower pot. Now just send it straight to his bank

[Blansky]

Originally Posted by thevtcguy

ok, for the record, my milkman drove an internal combustion engine truck.

omg!!!!

[TheVTCGuy]

Originally Posted by Star Ferry

So he’s a brave, independent milk man who refuses to be influenced by The Man?

The ICE was just a backup, the truck was actually an EV.











(OK, so I’m lying).

[Blansky]

Found this picture.....

Some people actually had a milk compartment by the door but we were poor so he just left it on the porch.

[TheVTCGuy]

Originally Posted by daveathall

Yes, well, some areas do. Ours is a proper gentleman and during covid used to pick up things for those that were vulnerable or shielding and deliver them with no charge.

Next you will be telling me that you stopped having window cleaners.

This is true, until recently, I used to leave the milkman monthly payment under a flower pot. Now just send it straight to his bank

Window… Cleaners… had to Google that one.


Good LORD Dave! What century are you guys in over there!?

[TheVTCGuy]

Originally Posted by Blansky

Found this picture.....

Some people actually had a milk compartment by the door but we were poor so he just left it on the porch.

Our house, built in 56, had one of those.

[Blansky]

Originally Posted by TheVTCGuy

Our house, built in 56, had one of those.

You rich guys......

[daveathall]

Originally Posted by TheVTCGuy

Our house, built in 56, had one of those.

My house built nearly 300 years ago, hasn't.

[daveathall]

Originally Posted by TheVTCGuy

Window… Cleaners… had to Google that one.


Good LORD Dave! What century are you guys in over there!?

How do you clean your windows Paul?

[Blansky]

Originally Posted by daveathall

How do you clean your windows Paul?

He has a drone.

[daveathall]

Originally Posted by Blansky

He has a drone.

[JTL31]

Originally Posted by daveathall

How do you clean your windows Paul?

With a Tumi hand rag or towel.

[superdog]

Originally Posted by Blansky

Don't get divorced.

I can attest to this personally. That one hurt. But zero regrets. I had a responsibility to fulfill, and I did it to the best of my ability.

I am saving a ton of money by not drinking. I also go out to dinner far less, so I’m not spending (and therefore saving) money there.

And while Brian made the distinction about how to invest money, I specifically save money now by sending my FA cash at the beginning of each month.

A few months ago I began a quest to make my monthly nut as low as possible. And right now, it’s exceptionally low. Shockingly low really considering my lifestyle. But that’s because I have zero debt. So all of my monthly fixed payments are based on that premise. Besides taxes and maintenance (I live in a condo) costs, I have my various insurance costs and that’s about it.

My condo has 19’ ceilings and is very hard to keep warm. Instead of jacking up the heat, I’m being more strategic about it. I’m also wearing Warner clothes inside than I used to. Therefore saving.

So I am spending far less than I used to. I then take my surplus and give it to my FA. Because I’m content with how I’m currently invested, which is very conservative, I am now taking that surplus and investing it more aggressively.

I’m going to buy a place in Florida and live there 6 months and a day. So I’ll save on state income tax. That, instead of my jersey shore house, will save me a fortune as RE taxes in Fla are a bit less than half of jersey.

I passed on two watches this week. I’m getting far more disciplined with how I spend. I’m saving because I no longer make crazy impulsive purchases like I used to. And again, I’m the taking anything surplus and both saving it and investing it.

This might sound crazy coming from me. But I’m also saving because I’m finally content with my car situation. So I’m no longer looking to buy any cars. However, I admit it cost me a lot to get there. However, and this is a huge however, I did the math. Everything I lost vs what I made on a deal or two, and spread that out over the last three years and I’ve been in a huge amount of cars for a shockingly low monthly nut.

[daveathall]

Originally Posted by JTL31

With a Tumi hand rag or towel.

[Vince M.]

Start paying for everything in cash. Watch how fast you curb spending when you realize how much you are actually spending.

As far as savings.
1 Year I Bonds are 7% right now, with a max of 10k.
Buy some 6 month treasuries or even easier, scoop up some 12 month CD's. Some are paying over 4%.

[TheVTCGuy]

Originally Posted by Blansky

He has a drone.

Originally Posted by JTL31

With a Tumi hand rag or towel.

Originally Posted by daveathall

May all of your sons become goalies on nudist hockey teams.

[enjoythemusic]

i don't eat eggs, lowered my soda intake, avoid obvious high-inflation foods...

Soda prices are highway robbery, as are eggs and...

If only there was a stable currency somewhere in the world that held its value, but there are none :(


Oh, and Wal*Mart is your friend.

Here's a great way to save....

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[singe89]

Don’t have a stay at home wife and kids. Between school, sports and dance it costs more than a Rolex every month.

[MrGoat]

Originally Posted by superdog

I can attest to this personally. That one hurt. But zero regrets. I had a responsibility to fulfill, and I did it to the best of my ability.

I am saving a ton of money by not drinking. I also go out to dinner far less, so I’m not spending (and therefore saving) money there.

And while Brian made the distinction about how to invest money, I specifically save money now by sending my FA cash at the beginning of each month.

A few months ago I began a quest to make my monthly nut as low as possible. And right now, it’s exceptionally low. Shockingly low really considering my lifestyle. But that’s because I have zero debt. So all of my monthly fixed payments are based on that premise. Besides taxes and maintenance (I live in a condo) costs, I have my various insurance costs and that’s about it.

My condo has 19’ ceilings and is very hard to keep warm. Instead of jacking up the heat, I’m being more strategic about it. I’m also wearing Warner clothes inside than I used to. Therefore saving.

So I am spending far less than I used to. I then take my surplus and give it to my FA. Because I’m content with how I’m currently invested, which is very conservative, I am now taking that surplus and investing it more aggressively.

I’m going to buy a place in Florida and live there 6 months and a day. So I’ll save on state income tax. That, instead of my jersey shore house, will save me a fortune as RE taxes in Fla are a bit less than half of jersey.

I passed on two watches this week. I’m getting far more disciplined with how I spend. I’m saving because I no longer make crazy impulsive purchases like I used to. And again, I’m the taking anything surplus and both saving it and investing it.

This might sound crazy coming from me. But I’m also saving because I’m finally content with my car situation. So I’m no longer looking to buy any cars. However, I admit it cost me a lot to get there. However, and this is a huge however, I did the math. Everything I lost vs what I made on a deal or two, and spread that out over the last three years and I’ve been in a huge amount of cars for a shockingly low monthly nut.

Let me know when you’re moving to FL big guy. I may be able to help in one way or another.


Sent from my Apple privacy invasion product

[superdog]

Originally Posted by MrGoat

Let me know when you’re moving to FL big guy. I may be able to help in one way or another.


Sent from my Apple privacy invasion product

Asap brother. Just trying to find the right place.

And with the economy the way it is, I’m lowballing offers. The decent places are all sitting. Price cuts are starting. The awesome places are going fast.

Amazing some of the judgement calls folks make with their homes and the style they put into it.

Looking between Fort Lauderdale and Delray Beach.