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#money tips
bitchesgetriches · 1 month
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{ MASTERPOST } Everything You Need to Know about Saving Money and Being Frugal
We’re all in this together. Don’t give up.
On food and groceries:
How to Shop for Groceries like a Boss
Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic
If You Don’t Eat Leftovers I Don’t Even Want to Know You
You Are above Bottled Water, You Elegant Land Mermaid
You Should Learn To Cook. Here’s Why.
On entertainment and socializing:
The Frugal Introvert’s Guide to the Weekend
7 Totally Reasonable Ways To Save Money on Cheap Entertainment 
Take Pride in Being a Cheap Date
The Library Is a Magical Place and You Should Fucking Go There
Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!
What’s the Effect of Social Media on Your Finances?
You Won’t Regret Your Frugal 20s
On health:
How to Pay Hospital Bills When You’re Flat Broke
Run With Me if You Want to Save: How Exercising Will Save You Money
Our Master List of 100% Free Mental Health Self-Care Tactics
Why You Probably Don’t Need That Gym Membership
How to Get DIRT CHEAP Pet Medication, Without a Prescription 
On other big expenses:
Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question
Understand the Hidden Costs of Travel and Avoid Them Like the Plague
Other People’s Weddings Don’t Have to Make You Broke
You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel
3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 
When (and How) to Try Refinancing or Consolidating Student Loans
The Real Story of How I Paid Off My Mortgage Early in 4 Years 
Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”
The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It
On buying secondhand and trading:
Almost Everything Can Be Purchased Secondhand
I Am a Craigslist Samurai and so Can You: How to Sell Used Stuff Online
The Delicate Art of the Friend Trade
On giving gifts and charitable donations:
How Can I Tame My Family’s Crazy Gift-Giving Expectations?
In Defense of Shameless Regifting
Make Sure Your Donations Have the Biggest Impact by Ruthlessly Judging Charities
The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum
How to Spot a Charitable Scam
Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? 
On resisting temptation:
How to Insulate Yourself From Advertisements
Making Decisions Under Stress: The Siren Song of Chocolate Cake
The Magically Frugal Power of Patience
6 Proven Tactics for Avoiding Emotional Impulse Spending
On minimalism and buying less:
Don’t Spend Money on Shit You Don’t Like, Fool
Everything I Know About Minimalism I Learned from the Zombie Apocalypse
Slay Your Financial Vampires
The Subscription Box Craze and the Mindlessness of Wasteful Spending
On saving money:
How To Start Small by Saving Small
Not Every Savings Account Is Created Equal
The Unexpected Benefits (and Downsides) of Money Challenges
Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead
From HYSAs to CDs, Here’s How to Level Up Your Financial Savings
Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”
The Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes by Being a Disorganized Mess
We will periodically update this list with newer articles. And by “periodically” I mean “when we remember that it’s something we forgot to do for four months.”
Bitches Get Riches: setting realistic expectations since 2017!
Start saving right heckin’ now!
If you want to start small with your savings, consider signing up for an Acorns account! They round up your every purchase to the nearest dollar and save and invest the change for you. We like them so much we’ve generously allowed them to sponsor us with this affiliate link:
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You see, friends? Anyone can become financially set-for-life like Kyle if you just take a few simple tips from him: -make sure your first job Senior Project Manager at your father’s hedge fund.  Put 25% of your $250,000 salary into a savings account.  I know that it’ll be hard getting by on just $187,500 a year, but if Kyle could do it, anyone can! -Why waste money paying for housing?  Just live for free in your grandparents’ vacant vacation home.  In Monterey. For a few years.  -Getting a mortgage to buy a house is a classic mistake. Instead, just get your uncle to give you $500,000! -Be sure to really tighten your belt. That means no vacations to Italy or Japan!  You’ll have to stick to vacationing in your own country instead! “Managing your spending is difficult, but if I can do it, anyone can!” THANKS KYLE!!!
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peachiesbambi · 5 months
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BUDGETING PLANNER
This ULTIMATE Budget Planner has everything you need to get out of debt, budget your money, track your spending, and skyrocket your savings rate. 👇👇👇
Budget Planner Printable PDF https://bamby-5278.myshopify.com/products/untitled-14sept_02-33?utm_medium=product-links&utm_content=android
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colombinna · 7 months
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Girls and fems: Unless your style is like conventional hyper femme, drop the pink tax and start shopping in the men's section
A lot of stuff is androgynous enough that stores will have basically the same models for both sections except the men's are sold for even 100$ cheaper (at least in local currency). Another plus is that depending on your body type, the men's section sizes are more broad and can fit you better
An advice from your local baby butch lesbian starting her gender expression journey
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kemetic-dreams · 2 months
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tris-magistus · 9 months
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Hey so I've tried for 2 years to make money online as an affiliate marketer I haven't been able to make anything, then I found this system that will give you everything and tell you how to us it for free, so if any is curious just look in over 2 years nothing in 4 days $150 and that's only to start it Grows exponentially. So if you want the life you've always wanted, this is how you can get it.
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tabney2023 · 9 months
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everywherenyc · 1 month
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#SavingsTip - 3 MODERN WAYS TO ADD TO YOUR SAVINGS ACCOUNT
1. Round-Up Feature: Connect checking to round-up app or activate on account. Automatically save spare change from purchases, effortless savings method.
2. Cashback Rewards: Utilize platforms offering money back on purchases. Transfer earnings to savings directly from store apps, memberships, or websites.
3. Automated Transfers: Schedule regular transfers from checking to savings, like each payday. Small amounts accumulate easily, automated and convenient. 
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dollar-and-sense · 9 months
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Mastering Personal Finance and Investing: Your Ultimate Guide to Financial Freedom
Introduction: Understanding the Importance of Personal Finance and Investing Personal Finance and Investing: Your Path to Financial Freedom Importance of Personal Finance and Investing for Wealth Creation The Basics of Personal Finance: Budgeting, Saving, and Debt Management Mastering the Basics: Budgeting, Saving, and Debt Management Budgeting Tips for Effective Personal Finance…
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radicallyaligned · 2 years
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Do you have any advice about managing money, budgeting, taxes and investing? I have ADHD and am bad with numbers. My family sold our house for a lot of money recently as an emergency (we bought it before the prices rose) but we blew though that money so quickly without investing any of it and probably buying unecessary things. I never learned to manage money at all. I was socialized as a woman, so I used to be addicted to buying clothes especially in my teens, although I have gotten a lot better at managing that. I have not bought makeup in 4 years. I have 4 pets and spend a good amount of money making sure they have good lives. That is probably my biggest expenditure. If given a chance to start over I would not have adopted so many pets, but now that I have, I cannot abandon them or skimp out on their care. They are special needs. I also am very impulsive so I will spend large amounts of money at once online. Recently I bought too many art supplies. You can probably see the from the way I am writing that I know nothing about managing money beyond saying, I spend "a lot" on something. I am still living with my parents and while they know more than me, I don't think they know much about managing money either because I have asked them to no avail. I was wondering if you had any advice and resources along those lines. Another reason I would like to learn budgeting is to find out how much money it takes to live healthily each year where I live vs how much income prospective jobs would pay, so that don't receive a nasty surprise once I enter the workforce.
I'm going to go through some tips, starting at the basics and moving up through there!!
1) You should have three banking accounts. One is a checking account, that you pay your bills from and write checks from and has a debit card. One is a savings account, which should always be holding at least 3 months of your living expenses in case you lose your job suddenly. One is an investing account, which you will invest out of. You can do all of these through Charles Schwab for free, which I enjoy because some banks make you pay for an investing account.
2) Get a credit card. It will have a credit limit. This is not what you are allowed to spend on it. The limit means at what point they will cut you off in a month. Only spend money you actually have liquid (in your account). Pay your credit card bill in full every month. We want to build a good credit score, so you can get a home loan down the line. We do not want credit card debt, so we will not spend what the card says were allowed to.
3) Do not pay more than 1/3 take-home (this means after taxes) salary to rent. So whatever money you make in a month, divide that by 3, and thats what you can afford in rent. If you are paying more than that, then you cannot afford to live in that area. Consider a new area - a different city or living further out.
4) Keep a spreadsheet of what money you make each month. Here are some resources to set up budgeting spreadsheets.
5) Follow some general budgeting rules. A good one is the 50/30/20 budget breakdown, which recommends that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment. So 50% would be rent, food, insurance, car payments, etc. 30% towards restaurants, bars, clothes, Netflix, etc. 20% into saving accounts, investments, student loan debt, etc.
6) Read up on the basics of investing. Since you're fairly unfamiliar with money management, we're going to go for long term low risk investments. Look into mutual funds and treasury bonds. I believe Schwab does free investment consulting as well, but don't quote me on that.
7) Ensure whatever full time job you're working at, that you are putting in at least 3% into your 401k. HR can help you do this is you have any questions, but this is money that you will get later in life when you are old.
8) Choose smart money habits, like cooking most of your meals instead of eating our or ordering in. Buy generic products where it doesn't matter. Turn off subscription services that you aren't using regularly. Use your budget to determine how much "fun money" you have in a month and don't go above that.
9) You can file your taxes easily online and for free on TurboTax. They will ask you to upgrade to their premium package but there's no reason to do that. Just save your tax documents that come in the mail or from your job and follow the little step by step boxes on the screen. Its very easy.
10) If you are about to spend a lot of money impulsively, delete the account you're using. Like, delete your Amazon account if you regularly spend lots of unnecessary money on there. Get rid of the temptation to be wasteful.
These are some basics! I hope this helps.
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ivemanifest · 2 years
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Money manifestation is beautiful and life altering. Knowing that wealth is infinitely yours, the wealth is securely yours, the financial abundance is deeply attracted to you, OPENS the PATHWAYS to complete money manifestation and money mindset freedom. Let your financial abundance rise and become the wealthiest version of You.
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bitchesgetriches · 10 days
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{ MASTERPOST } Everything You Need to Know about How to Pay off Debt
Understanding debt:
Let’s End This Damaging Misconception About Credit Cards
Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”
Dafuq Is Interest? And How Does It Work for the Forces of Darkness?
Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market
How to Build Good Credit Without Going Into Debt
Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?
It’s More Expensive to Be Poor Than to Be Rich
Making Decisions Under Stress: The Siren Song of Chocolate Cake
How Mental Health Affects Your Finances
Paying off debt:
Kill Your Debt Faster with the Death by a Thousand Cuts Technique
Share My Horror: The World’s Worst Debt Visualization
The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche
The Debt-Killing Power of Rounding up Bills
A Dungeonmaster’s Guide to Defeating Debt
How to Pay Hospital Bills When You’re Flat Broke 
Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 
Slay Your Financial Vampires
Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 
Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 
Student loan debt:
What We Talk About When We Talk About Student Loans
Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”
How to Pay for College without Selling Your Soul to the Devil
When (and How) to Try Refinancing or Consolidating Student Loans
Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?
Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 
The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For
2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 
Our Final Word on Student Loan Forgiveness 
Avoiding debt:
Ask Not How Much You Should Save, Ask How Much You Should Spend 
How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag
Your Yearly Free Medical Care Checklist
Two-Ring Circus 
Status Symbols Are Pointless and Dumb 
Advice I Wish My Parents Gave Me When I Was 16 
On Emergency Fund Remorse… and Bacon Emergencies
Should You Increase Your Salary or Decrease Your Spending? 
Don’t Spend Money on Shit You Don’t Like, Fool
The Magically Frugal Power of Patience
The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 
The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 
3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 
Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 
Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 
Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 
The Bitches vs. debt:
I Paid off My Student Loans Ahead of Schedule. Here’s How.
I Paid off My Student Loans. Now What?
Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt
The Real Story of How I Paid Off My Mortgage Early in 4 Years
Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 
That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????
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tips for ppl in their twenties or whenever:
-use self-serve checkouts at superstores. a) bc you don't want to do that to somebody else b) shoplifting gets so much easier when you're there
-shoplift. as much as possible, especially if youre black or brown with little to no disposable income, if you are constantly on here e-begging for shit that never comes, if you aren't employed or on gov benefits, if your white and nonblack peers can afford boba every day, if you're a first gen college transfer student, if you just want a snack, etc etc and also just because
-wear a backpack. browse the aisles and slide cylinders and cones and other shapes into the side slings like a liar and a slick pickpocket. It doesn't have to be a hydro flask or a drink. Nobody looks twice. Got 5 drinks and nutella this way
-geniunely do not overestimate people's observations skills esp when all that's tying them to a workplace is underpaid benefits and scarcity - act like any typical consumer and customer would and you're fine. Fear is for fascists not faggots
-wanna play it safe? pick an item like a drink that's less than a dollar and scan that through at the self checkout and start packing in the rest of your groceries into your bags. Only pay for the cheapest, most visible item in your repertoire so you can get a receipt and look legal
-i use the arizona green tea can for this express purpose bc it's $.94> and it's brightly visible being two palms long and green. Exploit without remorse moralizing is for freaks with generational wealth.
-walk out like the criminalized body that you are. target audience here is black and brown and other people of color, poor white ppl are honorary mentions
-a backup contingency I have not used yet bc again. People's powers of observation under global racial capitalism is truly. Stunning. Is to keep earbuds in my pocket so I can plug them in and play loud ass music so if, IF, somebody crazy actually called me out for not scanning every item properly i can just fall back on the "huh?? I'm not? Didnt even notice babe i cant even hear the beeping and jack shit bc of these sick ear tunes." Lie like a liar and keep rolling
-if you want to play it safe safe look different each time u walk into the same place, esp if u have to go many times a week. mask up! never look the same, grab and go, pay like a pauper, etc
-not being consistently moneyed should not disable you from being a human person with needs and wants. sorry
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fastlane-freedom · 7 months
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10 Money Rules to Learn by the Age of 25 – Fastlane Freedom
Financial literacy is a crucial life skill that often doesn’t receive the attention it deserves in traditional education. Age 25 is a big deal because it’s when many people finish school, start working, and have to make important choices about their jobs, money, and relationships. It’s a time when taking care of your money becomes really important, and you should start saving and planning for the…
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ichecksolutions · 1 year
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The Importance of Money Investment (A Must Read)
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Why investing matters: Investing is an effective way to put your money to work and potentially build wealth. Smart investing may allow your money to outpace inflation and increase in value. Do you want to know why you should invest your money? This pin is definitely for you. Click to learn more...
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college-hacks · 2 years
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Honestly gang since we are all poor I 100% recommend looking into the zero waste movement. A lot of the tips there have saved me money in the past. (Also I ask for reusable stuff for birthdays/Christmas so I don't have to spend money on single use items) but you don't have to spend money to get started! Use washcloths instead of paper towel, wash your ziploc bags, takeout boxes, and foil a time or 2 before you toss it, save your veggie scraps if you can afford and eat veggies (or steal your friends/families) and make a stock out of them to boil with your rice/ramen for nutrients.
Seriously though I recommend looking into it, if you look past the "you have tobuy this To be zero waste!!!" Posts there's a lot of good ideas and info
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