Saving money can be HARD. And it's so easy to understand why: spending money RULES.
Trips, new things, clothes, delicious food without any effort--it's all so tempting in the moment. But later, likely while peaking at your bank account with one eye closed, comes the wave of regret and concern. Where did all that money go? Why do I still have no savings?
When nothing changes, nothing changes. For as long as someone continues to live life as they always have--same job, same habits--they'll see no difference whatsoever in their financial situation.
Big changes, however, can be very difficult to enact.
Many simply do not have the financial flexibility to save. Money troubles are the brutal result of underpaid work and necessary costs of daily life.
Others have the flexibility, but lack the will power to live according to a different cost structure than they have for awhile.
One Reddit thread addresses both forms of that big change avoidance. These smaller scale tips and money hacks are helpful tools to turn your savings upward without changing one's life too drastically.
uwrallyx asked, "What is a very useful money saving tip everybody should know?"
Know What You're Buying!
"Track your subscription-based services."
"It seems like nothing but it's Netflix here, Spotify there, HBO Max, Hulu... and you end up spending a lot of money on stuff that you don't really use that much."
Listen to Jay Z
"Just because you have enough money to pay for something does not mean you can afford it." -- Sirnando138
"BOOM. This right f***ing here. I'm really really bad for this." -- RCEMEGUY289
" 'If you can't buy it twice, you can't afford it.' -Jay Z" -- sidekicket
Two Simple Rules
"Don't develop a drug addiction and pack a lunch." -- neil_striker
"What if i pack drug for lunch" -- withoutwax21
"Is that because when you're high on drug you pack a really expensive lunch?" -- philsabuster
"If you have drug, you don't need lunch." -- RonAugratin
"A trick that always works for me is to think about how many hours wages I am spending on something."
"As someone who previously had a huge spending problem, this has helped me realize that I've worked hard for my money, and I'd rather be working my a** off for a stress free life financially than living pay day to pay day buying meaningless sh**."
Seeing is Believing
"Develop a budget and track your expenses. It'll help you really pinpoint where/how you spend and how to best cut back and work to save money." -- BooksRock
"A lot of people are intimidated by the idea of writing a budget and sticking to it. I know I was. But if you take the first step and just start paying attention to what you spend, just map out in a spreadsheet everything you spend money on, you'll almost immediately see areas where you can improve."
"I literally didn't change anything I was doing for a couple of months, and just kept track, and then when I saw where the money was going, I became motivated to make some changes."
"Writing out a budget and sticking to it can be intimidating and overwhelming and failing can make it easy to give up. But just taking the first step and tracking what you're spending can make the next step much easier to take." -- vinbrained
"Order non spoiling food in bulk. I saved so much money just by buying like 5kg bags of pasta and 1kg bags of spices in comparison to the small packages I can get in the supermarket." -- Firevulturez
"Just planning what you will eat for the next week or so will help. It means no unnecessary purchases and you can review the outgoings instead of impulse buying. If you can do it for the entire month within your personal budget then that's out of the way for the month." -- NiceBottleHole
The End of Impulse Buying
"This one I've read somewhere, when you really want to order something, put it in your cart and wait for 2 days, maybe if you don't really need it the impulse would have been diminished by that time. I've saved a lot of money by just not ordering on an impulse." -- iamasedgurl
"If I want to buy something at a store I make sure I walk around with it for a little to make sure I really want to buy it. Also it helps to think of something in how many hours of work it would take to buy it. If you wouldn't work 2 hours for it but it's equal to two hours of your pay, don't buy it." -- abmuld
Take Free Money
"If your employer offers a 401k match, do it." -- TheophrastBombast
"Yes and max out your contribution each year. More contribution = more free money from your employer = exponentially more money in the long run."
"And if you can, start saving as soon as possible. If you're in your early twenties, the money you put in now will accumulate thousands more in interest than the money you'll be putting in ten years from now. If you haven't learned about compound interest, I recommend looking it up." -- silent_shivers
"Never be the guy who owns a boat."
"Find a friend who owns a boat, offer to fill up the boats gas tank when they take you out...and be a good boating buddy."
"Learn to back up the trailer. Always pick up garbage on the beach. Don't get blind stinking drunk. And Always...ALWAYS...be willing to let them throw you off the tube for their amusement."
"This doesn't apply for everyone, but when I got a higher paying job, I pretended I hadn't and socked the difference away until I had an emergency fund that I was happy with."
"That habit ruined me from buying a lot of stuff I wanted, but didnt really need, and now I just dont really desire to purchase stuff just because I can."
"I dont treat my raises the same way, but if you plan on being in a job for a while you can take a year or two and put your raise money into savings and itll be a decent chunk of change."
"If you're at new place without money, you better look where elders buy their groceries. They live here more than you and know, which stores offer most adequate prices." -- ALEXkuznetsoff
"Then I'm doing a good job because the supermarket I go to is so full with elderly people, it's impossible to walk slightly faster than extremely slow." -- MPaulina
"The slower you walk - the slower you spend" -- ALEXkuznetsoff
Consider What Comes After
"Consider everything an investment. Think twice before spending money on something that won't leave an asset in your books (e.g. eating out), is this a reasonable concession to your well-being?"
"Think before spending money on a depreciating asset (e.g. a car), are you getting a good return over its projected lifetime?. Splurge on things that will last you a lifetime or that appreciate in value."
It's Got That Goin' Broke Feel
"People often say 'pay yourself first,' but do it in cash. If it's sitting in a bank account, you can move it around and spend it with the click of a button. Pull out the amount you want to save and store your savings somewhere (in an envelope, in a safe, in a coffee pot)."
"When it's out of your account and out of your wallet/purse, you can't access it on impulse. And when you see two or three months worth of savings physically together, it becomes more tangible how much money you can save and you'll be more likely to not grab the bundle and make it disappear on some purchase you don't really need."
"Physically watching your money vanish is harder than magically swiping cards and watching numbers on screens change."
"The 50-30-20 rule"
"When you get your paycheck, take 30% for savings, 20% for anythings you want (drinks, games, ...) and 50% for your living."
"Only 50% can be hard to manage, especially on low income, but it's a goal, and it give you limits. Same for the 20%, when you have spend it all, you don't have more money to go out, even if the bank account says different."
"Since I've applied this technique I've put a lot in savings, and my life did not become harder or sadder. And buy only stuff that you have money for, never take a loan."
Math Decides, Not Your Heart
"Not sure how it is elsewhere, but in my country the grocery stores put a second line under the price on the shelf, for the price per 100g or per unit. I've saved so much money by checking that second line every time and choosing the product with the best value for money. Seems simple but so many people forget."
"Also, make a conscious decision to stamp out any trace of brand loyalty in your heart - the company is not your friend, even if they're a fixture of your childhood, and you don't owe them any loyalty. A lot of the time you can buy an almost identical version of the product for much cheaper from a less established or store brand."
Automatically Comes With a New Hobby
"Meal plan based on what you already have in your pantry/ freezer/ refrigerator, and consider what grocery items can be used in multiple meals across the week to reduce waste (I.e. carrots can go in the stir fry on Monday, and the soup on Tuesday..."
"...if I buy the family pack of chicken, I can make meals for Monday-Wednesday and still have leftovers to make into chicken taco meat and freeze for later)."
Rethinking A Given
"Don't have kids." -- travelingunraveling
"Dont get married and dont have kids." -- Fellatio_Nelson
"Don't have kids you can't afford. It's amazingly simple yet soo many people voluntarily condemn themselves to a life of poverty by ignoring it." -- Freiheit
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If you don't have any experience with construction, it can be pretty interesting to watch those reality HGTV shows (I know I'm addicted at this point). Some of the best episodes can be the one's where they open up the walls to find the builder didn't do anything right, causing a huge blow to the budget. The drama!
As someone who doesn't know much about building, and is dreaming of homeownership, Redditor Vast_Recognition_682 asked a question I wish I had thought of first.
Redditor Vast_Recognition_682 asked:
"Home inspectors of reddit, what are some horrible things that almost went unnoticed?"
Here's some horror stories that shed a little light on the home owner unknowns.
Behind the closet wall.
"Going through a home with [the] home inspector, didn't find any issues, bring my dad in to look through the house too and he was [incessantly] checking everything. Looks at the Zillow listing with the floor plan, measures the basement, finds out the actual measurements smaller than the floor plan which led us to go looking in a closet and realize they finished a wall and closet around the old oil tank, never decommissioned it, never planned to tell anyone about it, and we would have had to rip walls out to get to it to remove it. It was a non starter and we walked away. So happy to have my dad's sharp eye while home shopping."
If you need a good prank idea when you're renovating, here's one:
"I saw a post once, this guy said his dad's house had a diagonal outer wall and he was installing a combination wall and bookshelf to square the room. Since there was a small dead space on one side, the dad (who was a doctor), got a life-size plastic human skeleton from work and tossed it in there."
"So if someone tore the wall out to remodel in 30 years or whatever, they'd see it and freak out."
Man cave mayhem.
"Not a home inspector, but I did ask our home inspector what crazy stuff he had seen over the years. He had two stories."
"He inspected a modest three bedroom house and found that were very strange structural cracks in the walls. The area where the house was built is primarily clay soil which leads to a lot of foundation issues, but these were really abnormal cracks. He headed to the attic to wrap up his inspection; it was located over the garage so there was absolutely no structural support there. He poked his head up into the attic and couldn't believe his eyes: the owner had a fully furnished man cave in the attic over the garage. It had a couch, big screen tv, weight set, and a huge gun safe. He said he had no idea how in the world all of that stuff didn't come crashing down through the garage ceiling or how the guy had managed to get the giant gun safe up there without some sort of elaborate winch system. He said it was only a matter of time before the house collapsed."
"The only other weird thing he encountered was a cistern (an old well) in a crawlspace underneath a house. He said he was crawling along on his stomach when he almost fell into it; it was left uncovered."
A rats nest of wires.
"I'm sure there will be some stories about wiring above drop ceilings. When I was looking at houses, I saw (not the home inspector) one once where like 10 different wires came into one rats nest of a cluster. To make it even better, there was a regular lamp cord that ran from it to power the hanging kitchen light above the table. And if you want whip cream and sprinkles on that.... the power came into that mess through knob and tube."
"I am an apprentice electrician and this comment just made my soul cry."
"I found an uncapped steel conduit with live wires behind my sink while remodeling. There wasn't even a cap on the wires."
"While ripping out our old kitchen we cut the old crappy countertop with a sawzaw, to our surprise saw a spark and blew a breaker. some mother f**kers who previously renovated this kitchen ran the wiring for a new outlet on the wall around the studs in a crevice in the back of the countertop...."
"My family flipped a house a few years ago. There were four ceilings, each a couple inches lower than the one before, and all but one had old wiring in it. It was like cutting into a weird lasagna, trying to find the studs in that house."
"Grandma was shrinking with old age, but her kids didn't want her to realize."
"Not me, but one I spoke to. Place almost passed, until out the corner of his eye... bam... jack stand holding up a beam under the house."
"Same with a house daughter was interested in. The place was a flip and totally redone. Beautiful. And down in the basement was a brick holding up a big beam."
This inspector had a full list.
1. "Furnace exhaust flue inlet at the attic furnace disconnected and a dead bird below it. Would have dumped all the furnace exhaust straight into the attic area. Obvious safety implication."
2. "Long time vacant house in a very secluded area. Reeked of cat p*ss and burnt plastic. No cats or cat feces in sight and no entry point for cats. Found small balloon in the corner of the floor where the fridge would be. Picked it up (with gloves) and white powder came spilling out. We came to the conclusion there was possibly the presence of methamphetamine in the home at some point and in some fashion."
3. "5 year old house, nice neighborhood, great shape, vacant. Everything looked good visually. In the attic, just after it had started raining heavily, a slight but constant drip was noticed from the roof sheathing in one area. Got lucky on that one. Sunny day, there would have been no evidence of any issue whatsoever."
4. "Homeowner DIY replaced the microwave and thought it would be 'clever' to run the exhaust vent into the wall cavity between the kitchen and adjacent laundry room. Just dumped the moisture into the wall. Mold city after a while if you do a lot of cooking while using the exhaust fan."
5. "60s house, well renovated. Range was a gas/electric dual fuel setup. Noticed broiler took forever to even start to warm up and never got hot enough that I couldn't touch it real quick (they usually glow red after like 30 seconds). Found out the range was plugged into a 110v outlet (enough to power the control panel and light) and not the proper 220v outlet (not even present). Oven was essentially useless. That one also had an incomplete drain line from a bathroom sink dumping everything directly into the crawlspace."
6. "New build. Got into the attic and just a quick 360° scan, something was off. Looking closer found a truss web beam that was completely gone, just ripped out (gusset plates bent to hell). Probably knocked out by the framing crews crane or something and they thought no one would notice. Time is money right? Lol"
They saved the day with this good catch!
"I used to work in a hospital, in IT. We were in a back corner of the oldest building. I used an out of the way stairwell, that had a 4 inch cast iron sprinkler main running through it."
"One day when I was leaving, I noticed a little tiny bit of water on the outside of the pipe. I went back to my desk, called maintenance, and asked them to send someone down so I could show them what I noticed. Walked the guy down to the stairwell and showed him, went on home."
"The next day I get to work and there's a letter on my desk. I open it, and it's from the director of maintenance. Seems that they shut down and depressurized the sprinkler line, and when they went to disconnect the section with the leak, the pipe just crumbled. They figured that my call prevented a major flood in materials management (which backed up to the stairwell on the floor below us) as well as a FD call-out, as the alarm would have gone when the pipe ruptured and water started flowing. The director sent me a very nice thank-you, and referred the situation to the cost-saving committee to see if they could get me a bonus based on preventing an accident."
The internet might just save homeowners on a whole lot of money by taking a closer look during the inspection. Thank goodness for this Ask Reddit post shedding light on the horror stories of homeownership and renovation mishaps.
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Unless you've been a member of the armed forces, you may only know drill sergeants as uncompassionate leaders who yell at privates all the time.
War Face GIF Giphy
"Drill instructors, what is the funniest thing you have seen a Private do?"
The following examples were utterly humiliating, but valuable lessons were learned.
"Had 2 guys get in a fight in our bay during basic. The drill sergeant made them hold hands and pretending to be on a date all week. Only time they could let go of each other's hands was rack time. They ended up becoming pretty good friends."
"Ex British Army officer here."
"A corporal went on a nine week mortar course and was accommodated (obviously) while he was away. It turned out he knew one of the DS teaching the course and was invited, regularly, to dine and drink in the Sergeant's Mess."
"The month after coming back from the course, he brought his payslip to me with a puzzled look on his face and, embarrassed, explained he didn't understand what it meant and could I help him?"
"It emerged that the Sergeant's Mess had a chitty system - you didn't pay for your drinks at the time, but signed for them and the total bill was deducted from your pay."
"This legend had managed to drink more than his monthly salary both months he'd been away and his payslip was a negative balance."
"I'm sorry Smith, I'm afraid you owe the Army £235 ($327.50) this month."
Asking For An Advance
"Former European Anti-Air Trainee here."
"Recruit spent his first check on alcohol and sex workers, asked his commander for next months check in advance the next day. Instead of having a good excuse prepared to actually succeed in that proposal he blankly told him in front of 80 other recruits why he'd need it."
"I saw a guy post about how he was like 6'3 and his DS was like 5'2, so whenever he messed up the DS would go up to him face to chest and yell 'Elevator!' and the guy would bend down to eye level with the DS and say 'Ding!' and the DS would proceed to look him in the eye while he chewed him out."
Some experiences were downright hilarious.
"Not an RDC, but in boot camp I was over the laundry crew. One recruit sh*t himself because he thought he couldn't leave his rack after taps. It was funny at the moment before I realized I had to wash it."
"This was the funniest f'king thing I ever read from u/odomotto"
"Recruit fired all his blank ammo during 'ambush training.' He crawled in ditch opposite where the aggressors were, and started throwing rocks at them. DI came running in middle of the road blowing his whistle and screaming 'what the f'k are you doing?' Recruit screamed back, 'throwing hand grenades drill sergeant!' Without missing a beat, the DI screamed 'out f'king standing.' And walked away."
"My sides hurt and I was wheezing laughing so hard at this when I first heard it!"
These punishments made no sense. And that's why they're memorable.
"When I was in basic, a kid we called 'Albino' shot off a blank round accidentally in the field. The sergeants were pissed and took his weapon away and replaced it with a broomstick for the remainder of the week in the field."
"Man I remember some dude didn't put the sheet on his bunk the right way and had to wear the sheet as a cloak and go to all the other barracks dancing around sing about how he was the 'Catch Edge Fairy' or something. It was pretty silly, he owned it though. He was doing twirls the whole time. This was Navy bootcamp."
Despite how they are depicted on film, drill instructors are people who care.
Like, Beals – a drill sergeant at Fort Knox, Kentucky – who said:
"We provide more than just physical, mental and emotional guidance for them. You are a father, a preacher, a financial advisor, a counselor-you provide so many different services to the Soldier that the regular public doesn't see on day to day basis."
"They see what they see in movies and what they hear about by word of mouth. But you are fulfilling so many roles other than just being a trainer and teaching an individual how to be a Soldier in the Army."
And occasionally, they are having a laugh at the crazy things their trainees do.
Sometimes, it becomes extremely clear that it's time to leave.
That goes for short term situations like a bizarre social moment, or longer term commitments like work or relationships.
Whatever the context, there is typically a tipping point moment when all the variables appear to suggest things have become unsafe, wildly uncomfortable, or maybe even a tad illegal.
It's those moments when all you can think about is the door.
Redditor Thotus_Maximus asked:
"What was your biggest 'I'm out' moment?"
Many people talked about the times they went to parties that turned out to be very different from what they had in mind.
"Went to a friend of a friend's 35th birthday party. There were like 3 people there when we showed up. Birthday boy says everyone's in the basement. Okay cool."
"We go down to the basement. Someone's DJing, they've got cool lighting, there's like 30 people dancing. After a minute or 2 we realize everyone in the basement is like 13. Nope Nope Nope."
THAT Kinda Party
"Lived in a hotel for a while when I was 18-19. One day a bunch of people I've met at the pool wanted to go up to this dudes room and party. I thought we were gonna drink, smoke, and have a conversation, but that's not how it went."
"While everyone went up there, I had to go back to my room and change clothes. When I finally went to join them, I walked in and saw this dude injecting hard drugs. I sh** you not, this dude turned completely blue and dropped to the ground like a rock. When I saw that, I just dipped."
"He got picked up by an ambulance and survived. When I saw him in the elevator the next day, he seemed like a completely different person. Seein' stuff like that (that wasn't my first time witnessing od's), I think kept me away from the drugs that can kill you easily."
The Great Escape
"I was at a party when I was a teen. Cops turned up. I was stuck upstairs. But there was a balcony and underneath a pool. And beyond the pool a gate leading to an alley."
"So I jumped in the pool."
"But when I resurfaced there were already two cops standing there looking at me."
Other Redditors recalled the times they encountered strangers that did not appear to have their best interest at heart, to say the least.
"Was approached by someone and we talked about how we went to the same college and I showed him some of my art work, he thought it was pretty cool and offered me an opportunity and wanted to talk more later because I was at work at the time."
"I met up with him and his girlfriend and he told about what he mentioned. As I say there listening, it sounded familiar and BAM! It hit me. It was a pyramid scheme, it had nothing to do with art or any job prospects, I told him I wasn't interested many times in the nicest way possible l, but boy did they look pi**ed."
"I got stuck in an airport overnight as my flight was cancelled due to weather and I was starving because all the stores were closed. Some employee offered to show me where to get food so I followed him."
"He then opened a door to outside in the parking lot and motioned outside. I quickly said 'no thanks' and walked away."
And finally, some talked about when it became very clear that their work situation needed to end, like yesterday.
Quotas Reign Supreme
"I got buried by heavy packages while loading a truck for Fedex. It took 3 people to get me out. I was bloody, bruised, and had trouble lifting my arm."
"My manager came over and chastised me for my package count being too low. Walked out immediately."
Leaving Him a Stressful Day
"I worked in a contact centre several years ago. It was super busy and calls didn't stop coming. For some reason, my stupid boss removed everyone else from the queue for some stupid training, leaving me alone to handle all the calls. I messaged him a few times on Microsoft Teams, asking what was happening with no reply."
"After two hours, I shut down my computer and walked out of the company. I just recently withdrawn my last salary, so no regret whatsoever."
Corruption At Its Finest
"I worked for a blood analysis lab machine company for about 6 months. Hated every minute of it because I was working well over 60 hours a week every week. I wouldn't be leaving some hospitals until after 11pm sometimes. The management would never support the techs, the customer is always right, that BS."
"So one week at during the over the phone team meeting, the manager actually asked on of the younger techs to complete paperwork and submit it. Which is normal, but the manager was having him submit the repair paperwork and schedule the repair when they got around to it. He wanted the tech to pencil whip documentation we submit to the FDA so he could a quarterly bonus."
"Managers who's group hits all the pm's, gets a very nice size check. Had the tech done that and the machine failed before it was serviced, somebody could have died and he might have gone to jail. I left that job the next day."
Out With a Bang
"I walked out of a job two hours into a shift and left them without anyone who could do my job."
"As a parting gift, I threw the manual I'd written in the rubbish and didn't bother removing or giving anyone my passwords to stuff so they couldn't do anything."
Years ago I had a classmate who was a total daredevil... so much so that he would often injure himself. He once drove a bike in the direction of oncoming traffic, just for the hell of it. He got out of that episode unscathed––luckily. By contrast, I prefer keeping all my limbs, and still have them all. I wonder where he is now. Hopefully not too banged up. I did do some stuff unwittingly––like the time I stuck a fork into an electrical socket. I thankfully wasn't shocked too much. I was young and naive.
People told us all about the dangerous things they did when they were younger after Redditor Not-an-Ocelot asked the online community,
"What's the most dangerous thing you did as a kid without realizing?"
"My chore was to wash the floors. I would mix all sorts of chemicals together, not realizing they don't mix. Like bleach and ammonia with other cleaning products."
This is very easy to do––and so dangerous! Thankfully you didn't harm yourself.
"I used to walk..."
"I used to walk on a frozen river when walking home from school. I was about 7 at the time."
Seen too many movies about people stuck under the ice.
"We would sneak up..."
"I used to do parkour. We would sneak up onto the rooftops of condo buildings when they were washing their windows (the staircases leading to the top floor would be unlocked). We would then go roof hopping.
Literal roof hopping like in Grand Theft Auto. We would jump from a 12 storey apartment building's roof to an adjacent 10 storey apartment building's roof, etc."
How are your knees? That's bound to do some damage, no?
"I picked up..."
"I picked up a baby copperhead snake and gave it to my mom as a present when I was 6 or 7."
You must have really hated your mom.
"There was a railway crossing..."
"There was a railway crossing on my walk to school, and the train would often be blocking my path so I would always wait until it stopped moving and then climb on top of it and jump off the other side so I could keep walking and not be late."
"Played inside an old broken refrigerator that was outside….not knowing it could have locked or tipped over."
Yes, it could have! Thankfully it didn't. There's a really frightening scene in The Leftovers involving a character who nearly suffocates in a fridge.
No thank you.
"Like most Florida kids..."
"Like most Florida kids I swam where I shouldn't have and I'm very lucky I didn't get eaten by alligators."
"After seeing videos..."
"Playing with fireworks. After seeing videos of kids blowing their fingers and hands off, I would never let my kids play with them, without lots of supervision."
"We are super lucky..."
"Getting on a boat with my then-boyfriend and not telling our parents where we were going. The boat ended up sinking during a storm and we had life jackets and floated on the ice chest. Only reason we are alive is because a ship that was coming in heard us screaming during the storm and called the coast guard. We were out there for a total of 15 hours and had severe hypothermia. We are super lucky to be alive."
This is pretty terrifying.
Everything that could go wrong, did go wrong.
Yes, thankfully, you're alive.
"When I was about..."
"When I was about 9 or 10 a friend and I rode an air mattress down a river. Neither of us knew how to swim and we didn't tell our parents so when we came back cops were looking for us."
Well... these were a read.
If you'll excuse me, I'll stay indoors and wrap myself in bubble wrap. The outside world is scary.
Have some stories of your own? Feel free to tell us about them in the comments below!
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