After living my whole life mismanaging my finances with wanton abandon, I have decided to become a miserly skinflint tightwad who leaves no penny unpiched.
Is there joy or gratification to be had from living a life dedicated to saving money no matter how small an amount.
What tips on tight waddery do you have.
I prefer wanton abandon....
Tee-total, vegan, yogi, eco-warrior is the way forward.
Alcohol, meat, gyms & cars cost plenty $$
Get a vasectomy before it's too late.
Never abandon a wonton, though.
Get a vasectomy before it's too late.
theres an early bird discount?
Alcohol, meat, gyms & cars cost plenty $$
Yeah, but forget the gym, chuck in coke and hookers and you get to die young, up to your eyeballs in debt, in a flaming, drug-fuelled, cardiac-collapsing fireball of your on making, leaving the Tee-total, vegan, yogi, eco-warriors to pick up the tab 😀
Save money on expensive binoculars my simply standing closer to the object you wish to view
Never buy a calendar in case you don't live the year out.
Ordinary size Mars Bars make ideal King Size Mars Bars for dwarfs.
What tips on tight waddery do you have.
There have been times when I've been seriously short of cash and I used to get quite moist when picking up a bargain. In fact bargain hunting can be quite addictive and now even if I am feeling flush, its nice to trawl the web and save a few quid!
Don't take tips from anybody with a P before their name
Do not have children.
Do not run two cars.
Alcohol, meat, gyms & cars cost plenty $$
Meat is not that expensive.
Consider carefully where you buy your ethical Trews from.
Have you moved to Yorkshire? 😛
Ordinary size Mars Bars make ideal Fun Size Mars Bars for giants.
Save money on expensive shopping by concealing it under your trench coat.
Fun Size Mars Bars make ideal ordinary size Mars Bars for dwarfs.
save money on itunes by simply humming or singing the song you want to hear. To switch tracks simply sing a different song.
Oh yeah and don't have kids.
It helps to have a goal in mind, i.e. deposit for a house, kids going to university, funds for a one off
rather than just being a tight arse for the sake of it.drug-fuelled, cardiac-collapsing fireball of your on making,
Amputate your childrens feet and fit them with adult size prosthetics.
This will stop the little blighters growing out of expensive trainers every six weeks.
Before buying [i]any[/i] thing or service have a good long hard think about whether you [i]need[/i] it or actually just [i]want[/i] it.
Saves a huge amount of money if you are honest about it.
Drill a 1" hole in your fridge your to make sure the light isn't on.
Don't get involved involved in watch collecting(unless a divorce is your goal, in which case, go for it).
SAVE petrol by pushing your car to your destination. Invariably passers-by will think you've broken down and help
Pay for everything in cash, it feels much more real handing over notes and coins than it does on a card. Take a lump sum out each Monday and only spend that if want to do it properly.
Wait 3 days to purchase anything. If you want it still, buy it, but you'll often find the desire is gone after that time.
Deactivate Paypal Onetouch and Amazon one click buy, it can help remove some of the impulse buying.
Write all your day to day purchases down and assess at the end of the week. Note how much it is, swear, change habit.
Become a contractor, and get a good accountant..
Those little Mars Bars out of a box of Celebrations make ideal Fun size Mars Bars for dwarfs.
One word: Lidl (and Aldi)
If you don't smoke, eat and drink to excess and party all night you don't actually live longer. It just feels like it.
Serious tips. don't buy consumer goods unless forced and they buy second hand. Don't have a car. Don't buy packaged processed food. Cook from scratch. Accept meat as an occasional treat not something to have every day. Buy last years electronics goods secondhand. Buy last years must have MTB parts second hand
Reduce, reuse, recycle
Suprised some very good tips in there among the mars bar suggestions, 😀
Impulse buying is defiantly a problem for me. As are online bargains, buying things I don't need just because they are at a reduced price.
Just bought three pairs of hiking shoes and I don't even ramble never mind hike,
Earlier in the year I bought a very expensive bushcraft knife, I have no idea why. All things I don't need.
Yet today I have to pay £500 for a new exhaust on my old car, which I do need yet I seriously begrudge.
Perspective and context.
Seeing as you've previously spaffed your wad in wild abandon, how about just reducing your splurges to a manageable level and then enjoy the rosy glow that comes with your new "prudent" management?
"Only one bottle of vino a night for me, donchaknow."
Yet today I have to pay £500 for a new exhaust on my old car, which I do need yet I seriously begrudge
that sounds like a lot. I'd get at least another quote. custom stainless can be cheaper than OEM parts.
Instead of wasting time browsing the Internet for "bargains", spend it productively by thinking up uses for different sizes of Mars bars
Quick fit fitting an entire exhaust sourced from all parts on an old Nissan terrano,
It's in being done now.
Save money on expensive vibrators by simply filling a used cigar case with angry wasps.
perchypanther - Member
Get a vasectomy before it's too late.
Jeez. My kids, as I have told them many times, are my retirement plan. A vasectomy would have meant I'd have had to invest in a pension!
The not buying something and waiting 3 days is very good. As is sticking everything you want in your Amazon basket then not buying anything till the end of the week amazing how much stuff you don't buy.
No fags or beer for me I can't believe how much 20 coffin nails are when my friends buy them 😯
For me.
Get a spending app, record EVERYTHING you spend money on for a month - the results will probably be quite eye opening, a trip to Whistlers worth of money on coffees from CostaBucks a year is usually the one.
Once you've done that you can usually cut a few hundred a month on random meaningless shit if you want.
After that it's the bills, check your statements for subscription stuff you don't use, music, TV, gyms etc - if you don't use them, cancel them.
Shop around for untilites etc, most people pay too much.
I'd bet if you've got a devil may care attitude to spending you can do the above and save a decent amount every month with no meaningful chances in lifestyle, just a bit of graft.
After that stuff gets a bit harder.
Transport - do you own, lease or are you buying your car on HP? Do you really need it, if not, do you really want it for what it's costing you? If you're in a PCP or HP deal for a car you don't really need or want anymore, can you get out of it? Is it worth more than you'd need to pay to get out? If not can you VT and walk away from it?
If you need a car, are you wasting money using it? Are you in that hell queue everyday commuting? You know the one that fills lane 3 when everyone sits on the arse of the car in front accelerating up to 80, braking down to 60 continuoually as it ebbs and flows - I used to do that everyday, nowadays if I'm only going a few junctions or if it's busy like the above I'm happy to do 56 behind a lorry, it's much less stressful and in real terms it doesn't take any longer - maybe 3-5 minutes in a 45 min drive, uses almost half the fuel.
Accommodation - rent or mortgage? Do you have more than you need? Spare room full of junk? Paying twice as much to live closer to somewhere you don't go (I do that, it's stupid but Mrs won't budge) can you move somewhere cheaper?
Finally, if its worse than a simple bit of overspending and you're in real trouble, speak to someone like money advice line sometimes it's worse than you can accept and the most drastic measures have to be taken. They're rarely as bad as you think it'll be and doesn't last as long as fear.
Post Offices often do budget food options. Not the healthiest, but:
Broken biscuits on a box*
Walnut-less walnut whips in a bag**
I have seen a pack of Raspberry Ruffles yet cannot be sure if it was discounted or just another weird throwback without the 70s price-tag.
*You most likely will not be able to re-join them, so just enjoy the random-ness. That said, finding a whole choc biscuit amidst the big white inner-bag which contains biscuitgeddon ... is the most indescribably triumphant feeling.
**If you actually like walnuts and have spare walnuts then you may actually correct the defective whips. Melt the chocolate on the whip with a lighter (or similar) and smartly affix the 70's-flavoured nut to the top. I sometimes play a few Devo tunes whilst affixing. Youtube is arguably cheaper than CDs even with the wifi.
Also cook masses of fiid and freeze it.
Use cash not card. Work to a tight budget. Put the weekly shop budget (in cash) in a box at start of the week. If it's gone it's gone.
. I sometimes play a few Devo tunes whilst affixing.
Walnut Whip it?
^ No, 'Girl U Want' and 'Jocko Homo', but ISWYDT! Sharp!
Is am really angry with myself,
Since picking up my car I have googled how much all parts charge for the parts, that's would charge me (I am sure quick fit would get a discount).
I have been well and truelly mugged off, i am angry with myself knowing I am now officially the manager of my local quick fits bitch.
While one guy was ringing up for parts pricing and the manager turned to me and said "for that it's going to be expensive" why did I not walk out then. I have been played like a fiddle.
Damn you quick fit (shaking fist)
You should have gone to Kwik Fit.
It might have been cheaper?
That's why I come here, for some light relief.
A bit late now, but worth remembering for next time - ask on here before agreeing to get stuff done on your car - and I'm tempted to add don't take your car to Quick Fit (or Kwik Fit).
I would have commented earlier, but it seemed it was a bit late already.
Noted, I think both my car suddenly sounding like an amphibious tank and the exhaust hanging down in two pieces made me feel like it was an emergency situation.
I do have a mechanic locally I use now who has saved me a fortune on work Compared to prices quoted by main dealers. But I did not even think to use him.
I will put it down to experience