3. "eating out, and sneakers" In response to Reply # 0
Though I don't consider it "wasting"....I eat out because I don't want to make food, and I like sneakers. But if I really needed to cut down on spending to save for something, those would be the areas I would look at.
Life's short though, I'm buying kicks and good food when I feel like it now.
willothewisp Member since Feb 07th 2003 1089 posts
Sun Sep-25-16 11:46 PM
7. "sometimes small changes can be made" In response to Reply # 6
smoking for instance, let's say you start smoking cheaper cigarettes, say 50 cent a pack cheaper. if you smoke one pack a day, that's almost 200 dollar a year that can be spent on something else.
10. "smoking honestly but internet specifically." In response to Reply # 0
the building I live in is old as shit and the internet isn't wired up for whatever gets thrown its way. I pay $75 for 50MB/s and only get 12-18MB/s, which is the speed they charge just $40 for. I bought a new modem/router just this past spring that can handle insane speeds so it's definitely just the connection from my apartment to my ISP. But I pay more money for the illusion that it's faster speeds, even though it isn't.
12. "Eating/Drinking out" In response to Reply # 0 Mon Sep-26-16 08:58 AM by BigReg
Probably 50 50...gonna take an alcohol hiatus for the month so I can try to get my money in order because throwning a couple of drinks on top of a meal basically doubles the price.(not gonna fool myself into thinking with the schedule I have im gonna have the time to consistently make a home cook meal)
legsdiamond Member since May 05th 2011 79554 posts
Mon Sep-26-16 09:27 AM
18. "this too... I just started thr bal rolling on refinancing" In response to Reply # 13
havent made any calls yet but trying to get things in order so we can see whats good.
house gas appreciated some so we may pull some cash out to pau down debt but i have to see the math.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
16. "I guess eating out, even though I enjoy it" In response to Reply # 0
Most times it's because I actually want to try a new restaurant or whatever, not because I'm just unprepared or lazy (that's a couple times per week though).
legsdiamond Member since May 05th 2011 79554 posts
Mon Sep-26-16 09:24 AM
17. "car notes and insurance" In response to Reply # 0
next time we buy it will be cash.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
20. "is eating out really a 'waste' of money?" In response to Reply # 0
I feel like eating out is a pleasure and quality of life enhancer that certainly costs money - but I don't know if I'd call it a waste.
to me a 'waste' is something I'm spending money on but not getting any significant ROI on - like overpriced insurance, a bad decision on some luxury brand (be it clothes or car) that I don't necessarily get sustainable enjoyment out of.
legsdiamond Member since May 05th 2011 79554 posts
Mon Sep-26-16 11:40 AM
22. "eating and drinking out" In response to Reply # 20
I'll scoff at a 12 pack of good beer if it's not on sale for $12.99 but I have no problem spending $12 for 2 beers at a bar.
well, I do have a problem with it and try not to do it as much these days.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
23. "yea, it never feels like a waste at the time" In response to Reply # 22
but when you're paying $5 for an IPA bottle at the bar with a $4 shot of whiskey on the side, and then you hit the store and see a 6 pack of that same bottle for $9 and a 750ml bottle of that whiskey for $19, you do a little math in your head and feel a bit silly you're waffling on whether or not you should buy that $19 bottle.
Even moreso when you spend almost all your meals out at a bar or restaurant and then you randomly go to the store and realize for the amount you spent on yourself for four days worth of meals you could have bought yourself a week and a half worth's of meals.
legsdiamond Member since May 05th 2011 79554 posts
Mon Sep-26-16 12:14 PM
24. "I use that quick math when I get all cheap in the store" In response to Reply # 23
We'll spend $30 on drinks in one might but then I'm all "get the smaller bottle" at the liquor store to save $4 so we can go out again in 3 days and spend another $30 on 4 drinks.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
-DJ R-Tistic- Member since Nov 06th 2008 51986 posts
Mon Sep-26-16 01:10 PM
28. "It's a waste if you're spending too much, or could be just as fulfilled" In response to Reply # 20
for less.
Like, if you could spend $12-$16 a day from either cooking or buying food that's legit/healthy but not expensive...but you're spending $40 a day like I do on most days, due to it being at spots that cost a bit more, and because I'm never ever cooking...then yea, it's just excess.
legsdiamond Member since May 05th 2011 79554 posts
Mon Sep-26-16 01:31 PM
29. "lets be real tho... the chances of finding cheap quality meals" In response to Reply # 28
is slim to none unles you live next to a banging cheap food spot
once you factor in variety and have an honest discussion about this its going to trend upwards of $30 when you factor in 2 meals a day.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Mon Sep-26-16 01:34 PM
30. "there are more ways than putting 20% down to own property" In response to Reply # 27
you may pay a little more in mortgage payments but its def possible to get a decent interest rate with 10% down.
its moreso about being honest about if you plan to stay for 10 years or move. If you arent moving for the next 10 years its pretty foolish to rent UNLESS you live in NYC or SF.
fuck those markets...
but a co-opt is also an option
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
Printer-friendly copy 
Email this topic to a friend
General Discussion
