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NJHairLuv View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote NJHairLuv Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:20pm
I live way below my means. A lot of people dont get that and ask why I have an ancient cell phone with crazy glue on it, etc, but to live below your means equals having less money for the unnecessary while having more money for necessities like investments/retirement and discretionary income for things that are important to me that add to my quality of life & financial freedom.


Edited by NJHairLuv - Jul 09 2014 at 2:21pm
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maysay1 View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote maysay1 Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:25pm
I haven't read the thread yet but here's some resources that might help...

Reddit forums with great financial information:
www.reddit.com/r/personalfinance
www.reddit.com/r/frugal

Budgeting platforms:
You Need a Budget
Mint.com

Blogs:
The Simple Dollar
Mr. Money Mustache
http://www.mrmoneymustache.com/2012/04/18/news-flash-your-debt-is-an-emergency/

And basically the way I budget is, if it's not a need then I don't buy it. I only spend on food, shelter, medical care, transportation, debt and saving. Nothing else. It's hard, but that's life. I'd rather have peace of mind and cash.
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ThoughtCouture View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote ThoughtCouture Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:25pm
also, i'm really huge on recycling and repurposing items that others would probably chuck the deuces at and replace...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote BBpants Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:29pm
I noticed that I put money aside...but then I still dip back in it a little Ouch It's a bad habit
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PurplePhase View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote PurplePhase Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:29pm
Originally posted by ThoughtCouture ThoughtCouture wrote:

also, i'm really huge on recycling and repurposing items that others would probably chuck the deuces at and replace...


I think this is my new hobby. LOL
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maysay1 View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote maysay1 Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:33pm
Oh and do you want to work online? That might help.

www.reddit.com/r/workonline
www.reddit.com/r/digitalnomad
www.reddit.com/r/beermoney

I know that's a lot of reddit links but I always find good info there.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote rohan Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:42pm
Good points on reducing the expense side of the equation and saving.

But consider working on the revenue side as well.  And there's no better way to really make out well than to start a business.  There is a network I've built of over 100 business owners that pay to use one of my apps and unfortunately there is a grand total of 1 black person on there.  These are mostly young white people that are completely skipping the "work til you're 65 crap" and are balling out right now.

Just a thought peeps, figure out how to build a business, it seems more daunting than it really is.

Edit: Maysay, most of my clients are from reddit. haha


Edited by rohan - Jul 09 2014 at 2:46pm
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maysay1 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote maysay1 Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:43pm
Originally posted by rohan rohan wrote:

Good points on reducing the expense side of the equation and saving.

But consider working on the revenue side as well.  And there's no better way to really make out well than to start a business.  There is a network I've built of over 100 business owners that pay to use one of my apps and unfortunately there is a grand total of 1 black person on there.  These are mostly young white people that are completely skipping the "work til you're 65 crap" and are balling out right now.

Just a thought peeps, figure out how to build a business, it seems more daunting than it really is.

The bold is so true.


Hopefully soon I'll be in Thailand eating lychees and riding elephants while my business takes care of itself.
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ThoughtCouture View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ThoughtCouture Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:44pm
oh yes rohan.  having more control over one's rev side is key.
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ThoughtCouture View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote ThoughtCouture Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 2:46pm
65 my azz....lol....ain't gone be able to do it....
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