- December 8, 2023
- Posted by: legaleseblogger
- Category: Related News
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Though I definitely agree with the mentality of frugality when purchasing clothes and other goods, you must be cognizant of a possible trade off in quality if you are unfamiliar with the brands. Some name brands are truly better than their bargain counterparts.
The concept of eating before you go out with friends straddles the line of frugality and cheap/stingy. That is a solution for those in poverty, if you can’t afford a night out every 2 weeks without eating at home you may want to look into a different kind of date night. also, 100 bucks for 2 weeks worth of groceries is incredible, where do you shop, and how many people do you feed?
Saving money is a great goal, but some of these points are somewhat inaccurate.
For example, yes, paying your car insurance in an annual lump sum payment can save you money on installment fees and get you a reduced cost, and shopping for car insurance can get you a cheaper policy, but keep in mind that companies like Geico are able to be the cheapest by making it difficult to get claims paid. In some ways, itÔÇÖs a you get what you pay for situation.
Also, thereÔÇÖs some judgmental tones to the paying for clothing and entertainment and phones and the like. I think everybody knows that spending less money on non-essential expensive means that you save money. But some people are okay spending money on clothing more often, and just because you are happy shopping once a decade and wearing the same Nike pants every day, doesnÔÇÖt mean thatÔÇÖs the norm.
And then the point regarding interest payments is the most important to address because ItÔÇÖs actually dangerously wrong. Yes, credit card debt should be avoided, but debt like mortgages and car loans are almost always good to carry rather than cash, because they allow you to get money for cheap and free up your own money to invest.
For example, if you buy a $20k car with 3% interest, you can invest that $20k and get 8% in investments over the 3-5 years of the loan. Just in your first year, you would be a thousand dollars ahead by not paying cash for your car, which is counter to your whole point of saving money. This is even bigger when it comes to a house where the difference in mortgage rates and investment income is amplified because of the high value of homes.
So I think the benefits of your advice can be summed up by ÔÇ£be frugal and shop around and try to not spend on things you donÔÇÖt need,ÔÇØ but all the actual applications listed are not ideal.
I can identify with 5. Smartphones have really flattened out in terms of value. The new ones really aren’t adding much anymore and you can get away with the old ones very easily. Plus, you can buy refurbished phones and get pretty good deals on them. I have an iPhone 8 from Back Market that I got this year and they guarantee it pretty well. Been a year and had no problems.
On the clothes thing, youÔÇÖve probably gone wrong there by watching a BuzzFeed video.
Some of these tips I think are more poverty finance sub appropriate. Sure you should prepay car insurance but is $5 a month material on a middle class salary? $600 over 10 years?
While I 100% agree with the last point, you picked a poor way to make your point at the end. From the outside I could probably tell you if it was the X, XR, 11, or 12 within a minute. Again, I agree that thereÔÇÖs no reason to upgrade after 2 years but I definitely can tell you the difference.
LOL, you stepped on some toes! In principle I agree with for the most part.
Having seen what Gieco pulls behind the scenes and how they treat the repairs shops I have mixed feelings there. But don’t have much use for 90% of the insurance companies. They are not looking out for you.
Dude, I think you are in the wrong sub? Try r/povertyfinance if you are trying to help people. Also, buy some more clothes.
In the past IÔÇÖve just bought phones outright, but I just got a new 12 with the Apple Card because it was 3% off plus no interest over 24 months. Made sense to me. It replaced a 7 that was having some significant problems. I probably could have addressed those issues with a new battery but the 12 is a pretty major improvement so I opted for the upgrade. I would add the plan we use is Cricket. Some of the off brand carriers are a lot cheaper than the major carriers. Some are even cheaper than Cricket, but IÔÇÖve been happy with it the last few years.
Number 3 is my weakest point. I drink around 10 cans of Monster energy per week, I’m pretty sure at this point it has become to the point of being an addiction. This is my biggest money drain actually. Also every time I go to the store to buy 3 or 4 cans, I get a candy or chocolate, and there goes 20-25 bucks to the trash.
Your post is… cringely condescending as in a know it all mindset. Especially for this group.
I’m going to add eating out as another point that’s inaccurate. If your food budget balances eating out and groceries without being wasteful, you can do that.
Also $100 every 2 weeks for groceries… I read your comment it’s just you and your girlfriend and you shop at low cost grocery store (Aldi’s, I miss you!). No offense, but you’re not really a complex family (just two adults) with food allergies, texture issues, pets, children in high activity sports that need a full day’s worth of food with them while in school plus feeding at home or groceries wrapping into household items like toiletries. You don’t have a 4 year old who likes to see how the toilet paper flushes in multiple bathrooms.
Additionally, for me as I have Geico as well and we’re covering several vehicles and we have federal, student, professional defensive driving (yes, I went to a racing company and was taught how to survive a roll over) discounts (who knew Geico paid a discount for that!), paying in full is a wash for us versus paying monthly. No real difference. Car insurance also varies by location, heck, zip code even in the US. We moved from an area where every other week in our “luxury, gated community”, cars were getting stolen and broken into and our insurance ROSE even though we now have a 2 car garage and live in a quiet neighborhood surrounded by elementary schools, daycares and parks. We also have a full security system that has active monitoring. Because our previous communities “security” we weren’t “allowed” to have a separate monitoring service.
I don’t really think this post is appropriate for middle class finance. Most of us in this group, these are no brainers or have been considered but already invested and found not useful.
Maybe next time in general r/frugal? It is definitely not appropriate for r/povertyfinance though because many of them can’t afford paying $600+ up front for insurance, they generally do not have an eating out budget, vices like drinking and smoking are usually due to a comorbidity of a mental health condition that is untreated due to lack of insurance, most do not own a home and can only afford a financed car because again $3k+ for a used vehicle is out of reach.
I would add cutting cable. I’m not a sports fan and don’t really follow any shows in real-time (I just wait for them to finish and become available on Prime or Netflix), so for me this was a super easy expense to cut. I have one of those digital antenna things for watching holiday parades but ultimately I don’t miss it.
Also, to expand on your point about interest: car payments in general. Most cars these days are built to last 200k miles with proper maintenance, but so many people (ahem, *Mom*) keep trading in their perfectly good car over and over because they want the new shiny or are terrified of mechanic bills. If you’re keeping up with maintenance you should be good to go until the day you need a new transmission, and by then you’ve probably enjoyed 10+ years of not having a car payment.
I buy groceries every week and cook every meal at home, but I wish I could be that person sitting in a restaurant (probably not during the pandemic), drinking and eating, simply enjoying better food.
$200/month on clothes … that’s like me in a year.
In spring I got 2 pair of shorts. I just bought 2 pairs of pants for the first time in 3 years. I bought a new top in summer.
Drinking is a necessity like shelter and food. I don’t know what you’re talking about
I agree with everything except stop smoking and drinking.
Some of us are just trying to cope with this shitshow called life, and I would rather be poor with weed, than rich with no weed.
Honestly my dollar store workout clothes work just fine. So have clothes I’ve bought from stores that sell inventory overflows.
Edit: just seeing the backlash. I think your post is fine, OP. I don’t see how being middle-class suddenly means you no longer have to manage your money. I work in tech, and I still think it’s silly to finance phones and overpay for clothes.
Thanks for the reminder to prepay my geico, saved myself $20 over the next 4 months.
Maybe wrong subreddit? This seems more r/frugal or r/baristaFIRE
I pay more for clothes because I am concerned about the ethics behind the clothing industry and the environmental impact of fast fashion. What I can’t find in thrift stores I will make myself or hire out.
The cell phone plan is interesting. I pay 40 a month (1 GB, unlimited text/call) and have had the same cell phone for 5 years. What does your cell phone plan cost you?
If you don’t mind I would like to tackle this myself!
1. Car Insurance – Totally agree, in fact paying it in the 6 month or yearly increments is a good way to save money.
2. Clothes – I mean this really depends, sometimes having the right clothes can mean a lot and good quality costs money often. Looking spiffy can be the difference in getting a date, getting a promotion, or making meaningful connections. I agree with what you posted, find clothes that are still in style, but at a Nordstrom Rack, Bonton, something like that.
3. Saving money drinking is true and big, as is avoiding eating out. But depending on the career field or the area you live it is sometimes important to go out and meet people or engage in groups or events that have these functions. Additionally right now restaurants are struggling, so while it is more prudent to stay at home and cook, at least consider eating out occasionally to help your local places.
4. Yeah of course! But this is of course multifaceted. A house has an interest rate on a mortgage, but you are paying into an asset that will most likely gain value over time. You pay interest on a credit card, but also using credit cards is pretty safe and a good way to track spending provided you pay off the amount. Also it can be a valuable tool in uncertain times to carry some debt in favor of expanding your cash pool in savings, like for a potential job loss due to covid. Rent can often not be paid on credit after all, but those groceries can.
5. Yeah true, depends again on the individual if the need the phone for work and what not. I mean sure I am fine with my new A51 I bought for an easy $269.99 but my needs are far more simple than someone who may need it for work tasks, GPS, uber driving, etc. Some people may need newer models others may not. *shrug*