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BAP_Buddy
Snowy Owl
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Joined: 20 Dec 2015
Age: 31
Posts: 132
Location: Pennsylvania, USA

12 Oct 2018, 5:10 pm

So, what tips do you have for saving money?

I hope I explained all this clearly enough: I mostly spend money with Visa/MasterCard gift cards, because I can buy them at our local grocery store with gas pumps(Weis, if you're in Pennsylvania, but other stores/stations might have a similar program), and get points. I usually put $500 on a new one every 2-week paycheck (no, I don't spend $500 in 2 weeks! Pay for the 2nd one with some from the first), which is about 1000 points in about a month. Every 100 points gets 10 cents off, so for 20 gallons (I have a couple gas can that I fill up with the off-price), 1000 points is $1 per gallon, saving $20. Although the cards have a $5.95 fee, so I put the max on $500 on them. The two cards will have the fee of a little under $12, but minused from $20, that's a profit of $8! Every $500 card would have a $4 profit.



Fnord
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Joined: 6 May 2008
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Posts: 32,793
Location: Stendec

12 Oct 2018, 6:34 pm

No credit cards; cash only.

No borrowing or lending.

Pay all bills before the deadline.

Entertain at home.

Keep all personal data personal.

It took a lot of disciplined effort to get my score above 750. Then along comes some crack head who signs my name to one of those fake "low-cost loan" checks, and suddenly I'm on the hook for over 20 grand. I was able to sue the "lending" institution for fraud and received 200 grand as a settlement. The crack head OD'd before he could come to trial.

Now I watch my finances like a hawk.



Raleigh
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12 Oct 2018, 8:52 pm

My money saving tip:

Don't buy stuff you don't need.


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CockneyRebel
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Joined: 17 Jul 2004
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12 Oct 2018, 11:36 pm

Listen to music on YouTube instead of buying CDs. You'll save lots of money and space.


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Magna
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12 Oct 2018, 11:53 pm

Make and cook as much of your own food from scratch.


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AQ-43 (32-50 indicates a strong likelihood of Asperger syndrome or autism).
EQ-14 out of 80
Rdos: Your neurodiverse (Aspie) score: 173 of 200
Your neurotypical (non-autistic) score: 39 of 200
You are very likely neurodiverse (Aspie)


Alita
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Joined: 21 Oct 2013
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Location: Surrounded by water

13 Oct 2018, 12:38 am

All the above plus spend one day disconnected from everything including food, maybe once per fortnight or month. It's not much but it adds up.


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