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#saving money
bitchesgetriches · 14 days
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We have lovingly, painstakingly updated our tax filing how-to guide for the 2023 tax year. So if you haven't filed your tax return yet, here's everything you need to know... including the due date, which is a month away.
Get after it, my lovelies!
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rainyfestivalsweets · 4 months
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Saving money and healthy diet go hand in hand.
Save money, bring your water bottle, and eat at home.
Order water. Order off the kids menu.
Bring snacks with you.
Reduce your debt.
Every time you save money, you save yourself.
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sweaterkittensahoy · 10 months
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Some financial advice that may be actually helpful
Based on one of y'all (sorry, I'm lazy, I'm not scrolling back) mentioning the terrible advice of "Make six figures."
Like, bitch. I'm TRYING.
But, let's say you live in a shocking world where you don't pull six figures out your bosses's ass every year. How can you make small financial changes that can lead to larger financial security?
These are all utterly subjective and based on things I've either actually done or just observed. I'm gonna try to skip over shit like, "shop for clothes second hand!" because shit like that can require a HUGE time commitment, and it's not even always worth it.
Anyway:
If your grocery store has a free rewards program (you put in your phone number or email address), get that set up. Yes, it will track what you purchase. But it also means when you get coupons in the mail, they're for things you actually buy. In our two-person household, we can save anywhere from 0-15 bucks a week depending on how coupons land.
If you can get a grocery card with fuel points (Fred Meyer and Safeway do it here in the PNW), you can save LOADS on gas. A dollar a gallon easily.
Also do any pet store reward programs that might be available. As the Bean does not require a great deal all the time, her rewards build up slowly, but every few months, we get enough points to get ten or twenty bucks off a purchase.
Do NOT buy in bulk if you're not gonna eat in bulk. Five pounds of rice is great if you eat rice regularly, but if you only have it every now and again, smaller portions of boxed rice are likely a better option. The same is true for any dried foods. Yeah, it's shelf stable, but it takes up more of the shelf. That could hold the stuff you actually eat steadily.
Frozen fruits/veggies are as healthy as fresh. And they'll stay ready to eat a lot longer. Consider that with how you eat and how much you eat a certain vegetable. It may be better worth your money to have three bags of frozen broccoli in your freezer than to keep buying fresh broccoli you forget to use in time.
If you're looking at a generic that says "Compare to BRAND NAME." It's the same formula. That's why they can say that. The reason it's cheaper is because the copyright or trademark costs money. Take that off, and boom. Cheaper cost for the same stuff.
If you have a car, know the way you drive it and how that can affect it. For example, if you do a lot of city driving, your transmission and (if applicable) stick shift are gonna wear down faster than you might expect. It's not always mileage. It's starting and stopping. However, if you drive long distances without stopping a lot (rural areas), your higher mileage car may not need any work on those things. Get your oil changed and your tires checked, and know what to look out for in terms of the kind of car you have and the driving you do. For example, we have less than 100k miles on our 15-year-old car, but we've mainly used it for city driving. We had to get the clutch re-built a few years ago, and last year we had to get the transmission goos updated because they'd run dry. These aren't surprising needs for a city-driven stick shift that's over ten years old.
There's a schedule to big shit going on sale in the US. Mattresses are a big thing around Memorial Day for some reason (Support the Fallen Troops by...fucking???). Electronics go big on sale before school starts and on Black Friday. Memorial Day is also big for cars, as is the 4th of July. If you hand make anything, certain colors of stuff go on sale before major holidays. Orange and black before Halloween. Red, green, and white before Christmas. Pastels before Easter. Etc.
Consider how much use a product will get before you decide you can or can't spend a little extra on it. Do 300-count sheets do the job? Yes. But speaking from recent experience, the 1500-count sheets feel so much nicer, which makes sleeping so much nicer, and I use them literally every single night, so the initial investment works out to basically the same even if I'd gotten cheaper sheets.
But also, stuff like sheets and comforters and stuff go on sale at various times! And your bed ain't gonna go through a growth spurt! Keep an eye out for those deals and scoop up the super soft stuff at a discount if you can!
And lastly on this main list, a very very important thing coming from a former poor kid: Fucking treat yourself. You know how much money you have. You know how much money you need. Maybe it's not hard to treat yourself because you're financially solvent, and in that case, this advice isn't for you. It's for those of us who have struggled to deviate at all from our list of NEEDS to give ourself even a very small WANT because WHAT IF I NEED FIVE BUCKS IN TWO DAYS. I get it. I do. To my bones. And I say fucking treat yourself, and if in two days, you suddenly need five bucks, do NOT feel bad that you got yourself a little something. You can't see into the future, and catastrophizing is so bad for you. Trust me. I know. Just. Remember, in all of this, give yourself a little focused care, okay?
All of that being said, a few more general points:
Dish soap is made to break up grease and oil, and it's commonly antibacterial. This makes it fucking perfect for cleaning your shower (covered in your greases and oils) and your bathroom in general (same reason). I don't recommend it for your toilet, but that's a personal preference based on zero research. The point is, most of your bathroom can be cleaned with dish soap. Get all your stuff off your counters. Make a thin layer with the dish soap. Let it sit for five to ten minutes. Scrub. Bonus: You can breathe the whole time.
Vinegar kills germs. Like, lab-tested kills germs. You can clean your kitchen with Vinegar and Borax (odor-reducer), and it costs a fraction of buying the kitchen-branded cleaners.
Borax is also great as an addition to laundry soap for odor-reducing reasons. So, even the cheap laundry soap is more effective with Borax.
"But Gayle, you can make your own laundry soap if you--" Yes, I know. And it's cool you know that. But it takes TIME to make laundry soap, and time is the only thing less reliable than money when it comes down to it.
Look up "No Buying" options in your area. This is usually a Facebook group or maybe a subreddit. The goal is that no one in the group wants to buy or sell anything. They just have stuff they want to get out of their house. It's not a 24/7 goldmine, but it's a once-a-day scroll through that could lead you to a pricey item for free!
If you have stuff that says "handwash," and you think, "Okay, I want to, but that's a whole new task." Nah. Just take a shower and bring it with! Hell, wear it in if you have to. I do this a LOT. Use the water and your soap (which, as it's likely a body wash or soap, will break down those skin oils and such) and give it a good washing while you stand there. Then, squeeze out the excess water and toss that thing over the shower rod. If you have a drying rack, use it. But if you don't, just leave it where it is and leave the fan going. It'll take care of itself. Just double check the label to know if hot water is a bad idea and if you need to lay flat or hang dry. If you need to lay flat, super squeeze the water out and lay it flat wherever you can.
And, lastly for this long post: If you need the expensive shit, buy the expensive shit. I have celiac and MCAS. My bread is five bucks a loaf. Peanut Butter fucks up my histamines. Almond fucks up my histamines. I need five dollar bread and fucking cashew butter to make a fucking sandwich. But the other option is getting sick from putting stuff in my body my body will fight against, and trust me, those urgent care visits stack up.
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cleofied · 5 months
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money saving tips
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here are some ways you can save your money ! i hope this helps!
transfer 4/5 of your money into your bank account (if you need cash on hand)
if you are looking to save cash, use two piggy banks; one for your savings and the other one for money you are going to spend
dont buy (unnecessary) things if you can't buy them 3x
ask yourself if the thing you want to buy is something you need or something you want
it's more than okay to spend money on things that you want but leave some wishes for a time when you are more financially stable
find other things to do instead of shopping
see if the thing you want to buy is available for a cheaper price
make an emergency fund
make a grocery list and follow it (don't buy things that aren't listed)
save up coupons and buy things on sale
find hobbies that make you money instead of costing money
cancel unnecessary subscriptions
make your drink/food at home instead of buying it in shops
invest in things that last longer (so you don't have to buy them over and over again)
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reasonsforhope · 8 months
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The U.S. Department of Treasury’s gift to electric-vehicle shoppers (and global automakers) for the new year was to make many more EVs and plug-in hybrids eligible for the federal tax subsidy of up to $7,500 — including vehicles built outside North America — as long as drivers lease them or buy used rather than buy new.
EV credits and [rules] took effect Jan. 1.
One category extends the former credit of up to $7,500 for consumers buying new EVs and PHEVs, but it puts new limits on vehicle price and buyer income and will soon add requirements for the sourcing of EV batteries and materials. Additionally, since August [2022], it has required that the vehicles be assembled in North America.
A second is a new credit of up to $4,000 for buyers of used EVs.
A third is a “commercial” credit for businesses acquiring EVs. It offers up to $7,500 for light-duty vehicles (under 14,000 pounds) and up to $40,000 for heavier vehicles. Significantly, the commercial credit does not have the origin, price or other restrictions of the credit for consumer buyers.
On top of all that, the Department of Treasury guidance released at the end of December allows the less restrictive commercial credit to also apply to vehicles leased by consumers; that means most plug-in and fuel-cell EVs currently on the market can qualify, including those built in Europe or Asia. The credit goes to the leasing company — the vehicle owner — but it can be passed to the consumer in the form of lower lease payments.
The new federal rules do not affect state and local subsidies available for EV buyers [which may be able to get you even more savings].
-via Cars.com, January 12, 2023
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It's true, there's nothing “soft” about being broke! 😩 and nothing luxurious about faking the aesthetic!
📌Please don't confuse our tough love with discouragement! We want you to shoot for the stars 🌟 and get the life you desire but we would be terrible accountability partners of we didn't give you the real! 🫶🏽
With the right mindset and proper tools it will come in abundance! 💸😍💃🏿🤑
🚨We are just reminding you to not get lost in the aesthetics to the point where it drains you and your bank account!
Here are some simple yet game-changing tools to help you win! Stay committed, let it inspire you! (click here for tips)
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libraryofva · 1 year
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Recent Acquisition - Ephemera Collection
My Thrift Book, Compliments of Beneficial Loan Society. Thrift Brings Happiness. 1927
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moneymilf · 5 months
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For anyone on SNAP benefits:
*Doordash, Instacart, & Uber Eats accept SNAP customers
* Amazon offers a discount on membership to SNAP customers
*Walmart+ subscription is only $6 for SNAP customers
*Ritas Italian Ice takes SNAP (double check if your local location does)
*The Providers app helps you track your SNAP benefits
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wxrmeaterz · 28 days
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"im saving for a PC"
"im saving for a gig"
"im saving for merch"
im saving to b able to afford a basic essential: a new cane as our current one is not desirable for use
the handle causes pain in our hand due to arthritis and hypermobility and it does not have a stable base
poverty be damned i just wanna walk without pain
-Mykal protector (he/it/xe)
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talabib · 10 months
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Mastering the Art of Investing: Practical Strategies for Insightful Decision-Making
Key Point:
Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.
Sound investment decisions are the bedrock of financial success. However, navigating the complex world of investing can be challenging, even for the most seasoned investors. This post explores practical strategies for making smart and insightful investment decisions, empowering you to grow your wealth with confidence and finesse.
Recognize the Limits of your Abilities
In both life and investing, it is crucial to acknowledge the boundaries of our expertise. Overestimating our abilities can lead to ill-advised decisions and, ultimately, financial losses. By cultivating humility and seeking external guidance when necessary, we can minimize risks and make more informed investment choices.
Manage Emotional Influence on Decision-Making
Emotions can significantly impact our ability to make rational decisions. To circumvent the sway of emotions, adopt a disciplined approach to investing, relying on data-driven analysis and long-term strategies rather than succumbing to impulsive reactions.
Leverage the Expertise of an Advisor
Engaging a professional financial advisor is a prudent investment decision. Their wealth of knowledge and experience can help you navigate market complexities and identify opportunities tailored to your financial goals, risk tolerance, and investment horizon.
Maintain Composure Amidst Market Volatility
Periods of market turbulence can incite panic among investors. However, it is essential to remain level-headed and maintain a long-term perspective during such times. Avoid making impulsive decisions based on short-term fluctuations and focus on your overarching financial objectives.
Assess Company Management Actions Over Rhetoric
When evaluating potential investments, examine the actions of a company's management rather than relying solely on their statements. This approach ensures a more accurate understanding of the organization's performance, financial health, and growth prospects.
Prioritize Value Over Glamour in Investment Selection
The most expensive investment options are not always the wisest choices. Focus on identifying value rather than being swayed by glamorous or high-priced options. This strategy promotes long-term financial growth and mitigates the risk of overpaying for underperforming assets.
Exercise Caution with Novel and Exotic Investments
While unique and exotic investment opportunities may appear enticing, approach them with caution. Ensure thorough research and due diligence before committing to such investments, as they may carry higher risks and potential pitfalls.
Align Investments with Personal Goals
Invest according to your individual objectives rather than adhering to generic rules or mimicking the choices of others. Personalized investment strategies are more likely to yield favorable results, as they account for your unique financial circumstances, risk appetite, and long-term aspirations.
Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.
Action plan: Learn a few simple rules and ignore the rest of the advice you receive. 
It’s easy to become completely overwhelmed by the volume of advice available about investing. However, you don’t need to become an expert on the stock market in order to become a good investor. 
Just like an amateur poker player can go far if he simply learns to fold his worst hands and bet on his best ones, a novice investor can become very competent just by following a few simple rules. For example, he should learn not to overreact to dips in the market and make sure to purchase value stocks instead of glamour stocks. 
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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:
Start investing today with Acorns
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rainyfestivalsweets · 3 months
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Ugg. My weight isn't until Sunday.
But let's be honest I have been weighing every day and now very fucking well that I am plateaued.
And I have a holiday meal on Sat night.
Motivation to stay the course, right?
I am thinking I am going to pack a cucumber and a meat stick to right right before I get there so I am not super hungry.
Cucumbers are my current fav snack. The large English ones.
I eat the peel too so I am sure someone will say that I am unhealthy.
It is speedy tho. Grab n go.
I might need to get rid of my protein bars.
They are sweet. I eat on every day.
But would I eat 200 cals of turkey for protein?
Idk.
Thoughts. It has been a tough week.
Work has been super fucky.
And I took extra hours for the holidays.
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coelii · 4 months
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If you love getting a good deal and the best bang for your $$ and you bought online from companies that price match, check your purchases. I just got some money back from Target because an item I bought before cyber Monday went on sale and a simple chat got me a deep discount refund! 😂😂
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biblionaturalist · 1 year
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Pro tip as grocery prices go through the roof and we're edging into another recession: Stop paying like $6 for a carton of chicken stock and buy a whole ass chicken.
Boil that chicken with some onion, celery, and carrots and a little salt (peppercorns, thyme, and bay leaf are great if you have them but not required).
Shred the chicken and use it for chicken salad or my preference, chicken pie.
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You then strain and pour your beautiful golden stock into jars and freeze it for later. I usually get 6-8 pint jars per chicken. Just be sure to leave 1/2-3/4in space for it to expand as it freezes
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Congrats you now have a meal that can be entirely prepped ahead when you have extra time with guaranteed leftovers unless you live with like 6 people. And lots of stock for later use.
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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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goodgrammaritan · 7 months
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I know we all hate making phone calls, but after getting an email about a $45 per month increase in my car insurance rate, I took the time to call the insurance company.
We made sure I was getting all the discounts I qualify for, and then the rep (Tatiana, a beautiful person) said we could try rewriting the policy, as that sometimes results in a lower rate. If it didn't change anything, we would just stick with my same policy, but she said it was worth trying.
So we gave it a shot, and now instead of a $45 per month increase, I have a $130 decrease instead.
I realize I'm coming from a place of privilege, both having the spare time and having insurance in the first place, but I just wanted to say that sometimes making a phone call, hard as it can be, is worth it.
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