fuggstop Posted March 9, 2019 Share Posted March 9, 2019 I wanna start up another one to save for a big vacation in 2020. Link to comment Share on other sites More sharing options...
Naraku4656 Posted March 9, 2019 Share Posted March 9, 2019 i have a ton of CDs. The Smiths, New Pornographers, and a couple others but i don't remember where i put them 1 Link to comment Share on other sites More sharing options...
fuggstop Posted March 9, 2019 Author Share Posted March 9, 2019 2 minutes ago, Naraku4656 said: i have a ton of CDs. The Smiths, New Pornographers, and a couple others but i don't remember where i put them 🙄 1 Link to comment Share on other sites More sharing options...
Naraku4656 Posted March 9, 2019 Share Posted March 9, 2019 here's one from one of my CDs with the most interest Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 9, 2019 Share Posted March 9, 2019 You honeslty have me..beat I guess with a CD. I just have a savings account, but even making upwards of 20 dollars an hour I dink think a CD is going to help me very much. I'd need to be persuaded, and have to review a lot of terms, and conditions even though it's usually looked at as a safe way of investing. I'm just the skeptical type.. Trying not to be a Scarface. Link to comment Share on other sites More sharing options...
fuggstop Posted March 9, 2019 Author Share Posted March 9, 2019 @clu ? Link to comment Share on other sites More sharing options...
Naraku4656 Posted March 9, 2019 Share Posted March 9, 2019 CDs are nothing more than a special form of a savings account. you can have multiple CDs much like you can have multiple checking accounts 1 Link to comment Share on other sites More sharing options...
midnight Posted March 9, 2019 Share Posted March 9, 2019 Ask about the new cd when you go to the bank. It's awesome. 1 Link to comment Share on other sites More sharing options...
Ginguy Posted March 9, 2019 Share Posted March 9, 2019 CDs are paying garbage in terms of return, particularly short-term 6-12mo. CDs. If you want to save money, here is how.... How to Get Out of Debt With Frugal Living and Smart Shopping 1. Start couponing. You’ve probably heard this a thousand times—but are you doing it? You can save a ton of money just by showing a coupon to the cashier. Just be sure you’re using coupons for products you already buy, otherwise you could end up overspending on items you’ll never use. That’s how you end up with 10 bottles of spicy mustard sitting in your pantry. 2. Try consignment shopping. Let’s be real: Kids grow out of clothes at the speed of light. It’s not worth it to go into debt for your two-year-old’s wardrobe. Check out consignment stores that sell pre-loved outfits in good condition. If you’d rather shop online, no problem. Sites like thredUP and Swap.com are great resources to get adult and children’s clothing at a fraction of the cost. 3. Cut the cable. Welcome to this millennium, where you can watch most of your favorite shows online. If you haven’t bitten the bullet yet, do it! Put that $100 cable bill toward your debt each month and watch how quickly your debt snowball starts rolling. 4. Stop going out to eat. We get it. Going to a restaurant or hitting up the drive-thru is so much easier than cooking at home. But while you’re enjoying the freedom of not having to cook, your purse is in a pinch. For a creative way to socialize and share a meal, have friends over for taco night instead of meeting up at a restaurant. 5. Break up with your barista. If you don’t know where all your money is going each month, we’re pretty sure your favorite coffee shop can locate it for you. Brewing your own coffee at home is a simple way to save money fast. 6. Visit the library. Remember libraries? They have plenty of books and movies you can check out for free! Your wallet has never loved movie night more than it does now. 7. Plan your grocery trips. Make a list and stick to it! Use the calculator app on your phone while you browse the aisles to make sure you’re sticking to your budget. Do impulse items always end up in your cart? Try ordering your groceries online and then picking them up curbside at the store. Oh, and don’t ever shop on an empty stomach! 8. Avoid expensive hobbies. Do you really have $200 a month to spend on golf? Are you serious? But it’s not just the golfers out there who need to re-think their club dues. Do you spend a ton at craft stores but never get around to starting your project? Home improvement stores can also cost you several Benjamins in one visit. 9. Ditch the gym membership. You can still go for a run outside—for free. Gather some friends and start a running club. 10. Find free entertainment. Put a spending freeze on your entertainment costs for a little while. This means no going out to the movies, concerts, mini-golf, bowling or whatever you do for fun that costs money. Instead, challenge yourself to find free ways to stay entertained. Take the kids to the park, go for a walk or a hike, enjoy a free concert, or look for a free event in your community. Dave Ramsey’s Basic Tips for Getting Out of Debt 11. Start a side gig. Starting your own business has never been easier! Do you have a knack for making things? Sell your products online! Are you an animal lover? Take up dog walking or pet sitting. Do you have a good eye and a nice camera? Start taking on clients for photo sessions. Christy Wright’s Business Boutique is a great resource to walk you through the process! 12. Get a part-time job. Not into starting your own business? Then consider becoming a driver for Lyft or Uber. A pizza delivery job at night could also bring in extra money. You can even deliver other types of food in your spare time by working for places like uberEATS or Grubhub. Sure, you’ll have to put aside your pride and give up some nights and weekends of downtime. But that’s a small sacrifice for extra cash in your pocket. 13. Sell the car! The average monthly payment for a new car is $523.(1) That’s just outrageous! How much faster could your debt snowball move if you applied that $500 to it each month? 14. Cut up your credit cards. Shred ‘em. Burn ‘em. Shoot ‘em. You’ll never get out of debt until you stop making debt a way of life. 15. Use the envelope system. When you pay with cash, you actually feel your money leaving your hands. Ouch! Nobody likes that. People tend to spend less when paying in cold, hard cash. 16. Stop investing. Yep, you read that right. And yes, we even mean stop contributing to your 401(k). Right now, you want all your income to go toward getting out of debt. Once you’re debt-free and have saved three to six months of expenses in an emergency fund, then you can resume your contributions. By then you’ll be on Baby Step 4 and can start putting 15% of your income toward retirement. 17. Ignore your broke friends. Stop trying to keep up with the Joneses! Remember, you’re living like no one else now so that later you can live like no one else! In 20 years, you won’t have a financial worry in the world while everyone else will still have car loans, mortgages and credit card bills. 18. Make a budget! Budgeting should be easy and—dare we say it—fun! Use our free budgeting app EveryDollar and focus your money on what matters: day-to-day spending, those pesky debts and wealth-building. 19. Tell the kids you’re on a budget. When it comes to money, the kids can be a worse guide than your stomach. Be open with them about what you do and don’t have room for in the budget. And remember: Never be afraid to use that magic word, “no.” 20. Listen to The Dave Ramsey Show. Listening to the show will encourage you when you feel like you aren’t making progress. Every day, Dave helps millions of people across the country find hope and make a plan for their money. Their successes will inspire you to keep moving forward. Other Creative Ideas to Get Out of Debt 21. Ask for a raise. What do you have to lose? You miss 100% of the shots you don’t take. 22. Learn to say “no.” Make it a new part of your vocabulary. Love it. Embrace it. Because when it comes to spending money, you’ll be saying it quite often. 23. Sell items on Facebook Marketplace or Craigslist. One person’s trash is another person’s treasure. Dig through your kids’ rooms and the abyss of your closet to find things you can part with to make some quick cash. 24. Give more. Wait a minute—give? Yes! Giving changes your spirit. Make giving a priority in your budget, and you’ll see a difference. 25. Join over five million people who’ve experienced Financial Peace University. Financial Peace University is the class that starts you on your journey to never worry about money again. Sure, you can pay off your bills on your own, but FPU adds rocket fuel to your debt-free goals. Nine video lessons will explain in detail all 7 Baby Steps so you’ll be prepared for any money issue that comes your way. If you’ve already taken Financial Peace University, consider leading a group. It’s one of the best ways you can stay gazelle intense and keep yourself accountable! Not to mention, you’ll be helping change someone’s life. Watch what happens when you become an FPU coordinator and help others win with money. There you have it—25 ways to get out of debt and breathe fresh air into your debt-free journey. Try a few of these tips and see if they work for you. When you hit a wall and feel like you’ll never figure out how to get out of debt, just keep working the plan! Over time, your dedication will pay off! 2 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 9, 2019 Share Posted March 9, 2019 7 minutes ago, Ginguy said: CDs are paying garbage in terms of return, particularly short-term 6-12mo. CDs. If you want to save money, here is how.... How to Get Out of Debt With Frugal Living and Smart Shopping 1. Start couponing. You’ve probably heard this a thousand times—but are you doing it? You can save a ton of money just by showing a coupon to the cashier. Just be sure you’re using coupons for products you already buy, otherwise you could end up overspending on items you’ll never use. That’s how you end up with 10 bottles of spicy mustard sitting in your pantry. 2. Try consignment shopping. Let’s be real: Kids grow out of clothes at the speed of light. It’s not worth it to go into debt for your two-year-old’s wardrobe. Check out consignment stores that sell pre-loved outfits in good condition. If you’d rather shop online, no problem. Sites like thredUP and Swap.com are great resources to get adult and children’s clothing at a fraction of the cost. 3. Cut the cable. Welcome to this millennium, where you can watch most of your favorite shows online. If you haven’t bitten the bullet yet, do it! Put that $100 cable bill toward your debt each month and watch how quickly your debt snowball starts rolling. 4. Stop going out to eat. We get it. Going to a restaurant or hitting up the drive-thru is so much easier than cooking at home. But while you’re enjoying the freedom of not having to cook, your purse is in a pinch. For a creative way to socialize and share a meal, have friends over for taco night instead of meeting up at a restaurant. 5. Break up with your barista. If you don’t know where all your money is going each month, we’re pretty sure your favorite coffee shop can locate it for you. Brewing your own coffee at home is a simple way to save money fast. 6. Visit the library. Remember libraries? They have plenty of books and movies you can check out for free! Your wallet has never loved movie night more than it does now. 7. Plan your grocery trips. Make a list and stick to it! Use the calculator app on your phone while you browse the aisles to make sure you’re sticking to your budget. Do impulse items always end up in your cart? Try ordering your groceries online and then picking them up curbside at the store. Oh, and don’t ever shop on an empty stomach! 8. Avoid expensive hobbies. Do you really have $200 a month to spend on golf? Are you serious? But it’s not just the golfers out there who need to re-think their club dues. Do you spend a ton at craft stores but never get around to starting your project? Home improvement stores can also cost you several Benjamins in one visit. 9. Ditch the gym membership. You can still go for a run outside—for free. Gather some friends and start a running club. 10. Find free entertainment. Put a spending freeze on your entertainment costs for a little while. This means no going out to the movies, concerts, mini-golf, bowling or whatever you do for fun that costs money. Instead, challenge yourself to find free ways to stay entertained. Take the kids to the park, go for a walk or a hike, enjoy a free concert, or look for a free event in your community. Dave Ramsey’s Basic Tips for Getting Out of Debt 11. Start a side gig. Starting your own business has never been easier! Do you have a knack for making things? Sell your products online! Are you an animal lover? Take up dog walking or pet sitting. Do you have a good eye and a nice camera? Start taking on clients for photo sessions. Christy Wright’s Business Boutique is a great resource to walk you through the process! 12. Get a part-time job. Not into starting your own business? Then consider becoming a driver for Lyft or Uber. A pizza delivery job at night could also bring in extra money. You can even deliver other types of food in your spare time by working for places like uberEATS or Grubhub. Sure, you’ll have to put aside your pride and give up some nights and weekends of downtime. But that’s a small sacrifice for extra cash in your pocket. 13. Sell the car! The average monthly payment for a new car is $523.(1) That’s just outrageous! How much faster could your debt snowball move if you applied that $500 to it each month? 14. Cut up your credit cards. Shred ‘em. Burn ‘em. Shoot ‘em. You’ll never get out of debt until you stop making debt a way of life. 15. Use the envelope system. When you pay with cash, you actually feel your money leaving your hands. Ouch! Nobody likes that. People tend to spend less when paying in cold, hard cash. 16. Stop investing. Yep, you read that right. And yes, we even mean stop contributing to your 401(k). Right now, you want all your income to go toward getting out of debt. Once you’re debt-free and have saved three to six months of expenses in an emergency fund, then you can resume your contributions. By then you’ll be on Baby Step 4 and can start putting 15% of your income toward retirement. 17. Ignore your broke friends. Stop trying to keep up with the Joneses! Remember, you’re living like no one else now so that later you can live like no one else! In 20 years, you won’t have a financial worry in the world while everyone else will still have car loans, mortgages and credit card bills. 18. Make a budget! Budgeting should be easy and—dare we say it—fun! Use our free budgeting app EveryDollar and focus your money on what matters: day-to-day spending, those pesky debts and wealth-building. 19. Tell the kids you’re on a budget. When it comes to money, the kids can be a worse guide than your stomach. Be open with them about what you do and don’t have room for in the budget. And remember: Never be afraid to use that magic word, “no.” 20. Listen to The Dave Ramsey Show. Listening to the show will encourage you when you feel like you aren’t making progress. Every day, Dave helps millions of people across the country find hope and make a plan for their money. Their successes will inspire you to keep moving forward. Other Creative Ideas to Get Out of Debt 21. Ask for a raise. What do you have to lose? You miss 100% of the shots you don’t take. 22. Learn to say “no.” Make it a new part of your vocabulary. Love it. Embrace it. Because when it comes to spending money, you’ll be saying it quite often. 23. Sell items on Facebook Marketplace or Craigslist. One person’s trash is another person’s treasure. Dig through your kids’ rooms and the abyss of your closet to find things you can part with to make some quick cash. 24. Give more. Wait a minute—give? Yes! Giving changes your spirit. Make giving a priority in your budget, and you’ll see a difference. 25. Join over five million people who’ve experienced Financial Peace University. Financial Peace University is the class that starts you on your journey to never worry about money again. Sure, you can pay off your bills on your own, but FPU adds rocket fuel to your debt-free goals. Nine video lessons will explain in detail all 7 Baby Steps so you’ll be prepared for any money issue that comes your way. If you’ve already taken Financial Peace University, consider leading a group. It’s one of the best ways you can stay gazelle intense and keep yourself accountable! Not to mention, you’ll be helping change someone’s life. Watch what happens when you become an FPU coordinator and help others win with money. There you have it—25 ways to get out of debt and breathe fresh air into your debt-free journey. Try a few of these tips and see if they work for you. When you hit a wall and feel like you’ll never figure out how to get out of debt, just keep working the plan! Over time, your dedication will pay off! Wow it looks like you worked on that. Honestly thanks Ginguy.. I'm just trying to figure out how to make an honest living.. Most financial institutions I've seen preach bullshit as well so I might have to give that post a full review when I'm not feeling TL;DR. 1 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 9, 2019 Share Posted March 9, 2019 lol just read start couponing.. I mean ok? There are legit reasons to bring this up I suppose.. Especially with things like: https://www.joinhoney.com/ I'm way too lazy to be a hardcore couponer..probably. If couponer isn't a word take it up with my assistant. She's right here^ Link to comment Share on other sites More sharing options...
SwimModSponges Posted March 9, 2019 Share Posted March 9, 2019 27 minutes ago, PhilosipherStoned said: Wow it looks like you worked on that. Honestly thanks Ginguy.. I'm just trying to figure out how to make an honest living.. Most financial institutions I've seen preach bullshit as well so I might have to give that post a full review when I'm not feeling TL;DR. 36 minutes ago, Ginguy said: 20. Listen to The Dave Ramsey Show. https://www.daveramsey.com/blog/ways-to-get-out-of-debt https://web.archive.org/web/20160306021332/http://www.gospelherald.com/articles/54676/20150310/dave-ramsey-offers-powerful-biblically-sound-response-to-criticism-over-his-multi-million-dollar-home.htm 1 1 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 9, 2019 Share Posted March 9, 2019 Link to comment Share on other sites More sharing options...
SwimModSponges Posted March 9, 2019 Share Posted March 9, 2019 Buy buying into Financial Peace University TM C R for only $129, you can rest assured Jesus will rain prosperity down onto you. 1 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 9, 2019 Share Posted March 9, 2019 The fucking best pawn stars memes gave me an unencrypted bullshit google crawler link.. What are memes for if I practically have to do them myself. Link to comment Share on other sites More sharing options...
Ginguy Posted March 9, 2019 Share Posted March 9, 2019 1 hour ago, PhilosipherStoned said: Wow it looks like you worked on that. Honestly thanks Ginguy.. I'm just trying to figure out how to make an honest living.. Most financial institutions I've seen preach bullshit as well so I might have to give that post a full review when I'm not feeling TL;DR. I take no credit for it. It is from Dave Ramsey's website, https://www.daveramsey.com/ 1 Link to comment Share on other sites More sharing options...
Ginguy Posted March 9, 2019 Share Posted March 9, 2019 I will say this about couponing. If your local grocery store is a Kroger or has a customer card, get it. Yes, they track your sales data, but you can save serious cash with those cards. I have one for Kroger, I save 23 bucks last trip to the store, and saved 20 cents/gal filling up. Nothing to sneeze at. 2 Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 3 minutes ago, Ginguy said: I will say this about couponing. If your local grocery store is a Kroger or has a customer card, get it. Yes, they track your sales data, but you can save serious cash with those cards. I have one for Kroger, I save 23 bucks last trip to the store, and saved 20 cents/gal filling up. Nothing to sneeze at. We just got a new Kroger. This place is massive. They sell clothes and shoes and outdoor furniture. It's the largest grocery store I've ever been in. And they have the gas station out front. That bonus card is bad ass. i always fill up the tank soon as I get done shopping. 1 Link to comment Share on other sites More sharing options...
fuggstop Posted March 10, 2019 Author Share Posted March 10, 2019 I like how jingai believes i dont already do most of his shit on his list Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 14 minutes ago, fuggstop said: I like how jingai believes i dont already do most of his shit on his list I gave sound advice, but suck my ass. Link to comment Share on other sites More sharing options...
fuggstop Posted March 10, 2019 Author Share Posted March 10, 2019 I like how midnight thinks hes jingai now Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 4 minutes ago, fuggstop said: I like how midnight thinks hes jingai now You made a post asking advice. I commented before Ginguy did. Nice try though. So no more advice from someone who knows what he's talking about. Nope. Fuck you. Link to comment Share on other sites More sharing options...
fuggstop Posted March 10, 2019 Author Share Posted March 10, 2019 I like how desperate for my attention midnight is Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 Just now, fuggstop said: I like how desperate for my attention midnight is I offer great advice. I can't help it if you're too stupid to take it. But if you want to go that route, I'm down. This being nice shit isn't my style anyways. So, let's do it. I'll start. The only cd you can afford is an R. Kelly Greatest Prison Hits. You ghetto piece of shit. If you'd stop spending 300 bucks on some bad acid trip hair styles, you might could do something. Maybe next time you book a room at a motel, you can upgrade from motel 6 and stay at a La Quinta Inn. You broke bitch. Is that better? 1 Link to comment Share on other sites More sharing options...
fuggstop Posted March 10, 2019 Author Share Posted March 10, 2019 Man really...wtf is the matter with you lol! Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 Beef curtains. That's what you call your vagina lips isn't it? Link to comment Share on other sites More sharing options...
fuggstop Posted March 10, 2019 Author Share Posted March 10, 2019 Have you been drinking Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 10, 2019 Share Posted March 10, 2019 (edited) 41 minutes ago, midnight said: We just got a new Kroger. This place is massive. They sell clothes and shoes and outdoor furniture. It's the largest grocery store I've ever been in. And they have the gas station out front. That bonus card is bad ass. i always fill up the tank soon as I get done shopping. The company is filling a niche it would seem.. I shopped there due to the card Ginguy was talking about when I could.. no actuallly when I was where I was at in Georgia the same names were all fighting for spots.. and the one closest to what you were talking about was..honestly food lion. The corporate world is a bitch.. Walmart still ruled the area probably in terms of size.. but that one still kind of blowed even for a corporate ass walmart. Edited March 10, 2019 by PhilosipherStoned 1 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 10, 2019 Share Posted March 10, 2019 There was a failing Krogers in the area, and I think the others were trying to kill it.. Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 I do not permit myself to be overtaken by the influence of a beverage, you neanderthal. My mind is always clear. My perception is always reality. I do not have any need or desire to attempt to enhance my life with such things as alcohol. Your mind is numb. Perhaps from the pills. I tend to think otherwise. You character is stale, like your hoohah. You should wash both with bleach. Anything else I can help you with? You did summon this version, so the blame is all yours. The pleasure is all mine. 1 1 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted March 10, 2019 Share Posted March 10, 2019 (edited) wait my firend.. I think you may have pulled a me when I stop giving a fuck? OHHHHH 7 minutes ago, fuggstop said: Have you been drinking Edited March 10, 2019 by PhilosipherStoned 1 Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 1 minute ago, PhilosipherStoned said: wait my firend.. I think you may have pulled a me when I stop giving a fuck? OHHHHH Nah bro. You're a good dude. You gave a fuck. Me? I never did. I try to live my life by not giving a fuck. Sounds cheesy, but it works more times than not. 1 Link to comment Share on other sites More sharing options...
SwimModSponges Posted March 10, 2019 Share Posted March 10, 2019 Link to comment Share on other sites More sharing options...
midnight Posted March 10, 2019 Share Posted March 10, 2019 1 minute ago, SwimModSponges said: Let me hold a dollar. Link to comment Share on other sites More sharing options...
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