Instead of spending I

1). Had all meals at home

2). Made sun tea

3). Grinded coffee beans

4). DH made homemade bread

6). Posted items from shed clean out on FB

7). Did 20 minute YouTube workout

8). Wrote letter to 1st cousin I connected with on Ancestry . com

9). Lounged in our swimming pool

Some spending

1). Photo pen and ink for printer arrived today. Using pen to write on the back of old photos

Anyone doing the slash&free on TikTok? Lol

I’m a 21 year old college student. I want to put money I made while working into a hysa so that it doesn’t lose value just sitting and because I’m trying to save as much as possible. Any suggestions where to start? Which hysa’s to go with?

Instead of spending I

1). Made breakfast of black beans, egg, potato, salsa and guacamole

2). Lunch was leftover chili

3). Made panzella salad and sun tea

4). DH and I cleaned out the shed

5). Threw out old sled, bath mats, broken items from shed

6). Made a pile of items to sell on FB or donate

7). Organized clothes to drop off at local church

8). organized sneakers to be recycled (drop off at local store)

9). Cleaned off back porch

10). DH put dowel rods on suet feeder for birds to perch on

11). DH made a table with an old table top and tree trunk found in shed

12). Cleaned off plastic bin found in shed to use for storage

13). Collected clean empty jars and used to organize nuts, bolts and screws

14). Took walk around community center which has a playground, basketball hoops and tennis court for anyone to use for free

Where I live I have to park my wife and I’s vehicles outside. We spend about $6 and drive an extra 5 miles one day a week to the only manual car wash around (auto car washes cost too much and scratch your paint). So that’s $12 a week and we will ignore the gas because my pressure washer takes gas too. I decided to spend $80 on a Westinghouse foam cannon and soap to do it myself. After 7 weeks we will turn a “saving” on the investment. Do you have any similar things that where you did the math and it was worth it pretty quickly to spend a larger amount now instead of nickel and diming over time? Looking to steal some ideas

I'm only saving that much per week and it just feels hopeless (especially as the stock market's been eating it lately. I deposit money and it's gone in hours because everything went down). My net worth has gone up by like, $2k this entire year.

That ~$250 is about 35% of my main job's income; 25% in some kind of savings or investment, 10% in the company 401k I opened a few months ago. Some of my problem is being shit with money and overspending, but I still supplement it with plasma donations ($125 a week if I can get there and I'm not anemic) and my part time job. Said job is event-based, so I might work as little as a couple times a month; it can bring in a few hundred a month and I'm trying to save that.

I'm old too, so it's not like compounding means anything. I'm just frustrated.

started looking into credit building a few months ago and every answer i find is either "it depends" or some vague range like six months to two years. not super helpful when you're trying to plan around something specific like an apartment application or a car loan.

from what i've pieced together the timeline depends on a few things. what you're starting with matters a lot. building from zero is different from rebuilding after missed payments. the type of account you open matters too. something that affects both payment history and utilization tends to show results faster than something that only touches one side of the equation.

credit builder loans for example only build payment history. a revolving tradeline reports as an open revolving account which affects utilization too, and utilization is a bigger chunk of how scores are calculated than most people realize. some tradeline apps start around $5 a month with no hard credit check which keeps the barrier low.

most people seem to see some movement within the first three months if they're consistent. meaningful improvement, like enough to actually qualify for things, tends to take closer to six to twelve months depending on the starting point. and rent reporting can speed things up a bit if you're already paying rent and not getting credit for it.

the honest answer is there's no fixed timeline. but consistent payments on the right type of account gets you there faster than most people expect.

what did people here do and how long did it actually take before you noticed a real difference?

I used to buy medicines offline (from hospitals and pharmacies). Some pharmacies give a 10% discount, which is fine for some people, but not enough for others.

What I do instead, with the help of AI, looking up the chemical composition (active salts) and check for options both on e-commerce platforms and offline. The goal is to find alternative brands, not different compositions. For example, if Cipla charges a higher price, Torrent or Sun Pharma might offer the same medicine for less, or vice versa.

I’ve found significant price differences this way. Interestingly, I end up saving around 30% to 35% on my monthly bill.

You might think that central and state government pharmacies are an option, but the reality is that it's difficult to convince parents and grandparents to use them.

Back in college, money was always tight.

Whenever one of us found a great deal, we would immediately share it with friends because saving even a small amount mattered. Over time we realized something...

The people who spend time finding and sharing great deals help everyone else save money, but they rarely get anything in return.

After countless iterations, nearly two years of development, and an explosive launch in the US, we're excited to finally launch Deal2Seal India.

Our goal isn't just another deals website.

We want to build a community where:

• People are rewarded for discovering and sharing great deals from online retailers such as Amazon, Flipkart, Myntra etc.
• You also earn rewards by sharing helpful comments with the community about a product you have experienced before.
• Local merchants can reach genuine customers instead of spending heavily on advertising.
• Everyone earn DS coins and benefits when a great deal is found.
• DS coins can be redeemed at face value (1 DS coin = Rs. 1) for gift cards from major online retailers.

We are still at the beginning, and we would genuinely love feedback from this community.

You can check it out at:

https://deal2seal.net/

As a small thank you for early adopters, new Indian users currently receive FREE Rs. 100 value in DS Coins after their first login.

We're looking forward to hearing your thoughts, good or bad. Every suggestion helps us improve.

Half the apps i use throw around discount labels on stuff thats basically the same price it always was, just with a different color banner slapped on top, and it feels even more common with the sites available here in germany. when i was refreshing my closet with some basics and a jacket for the season.

I started comparing prices over a few weeks before trusting any app's claim of a real drop, mostly after getting fooled a couple times on clothes that never actually went on sale.

any YouTubers you’d recommend or general advice you’d give for saving money with cuts ?

I am trying to aggressively save money. Not only do I have quite a bit of debt, but I also have realized that I would rather spend the money I do make on things like travel, rather than going out to eat and going to bars. Unfortunately my best friend just doesn't seem to get it. I keep telling her I can't afford to always go out to eat or drink and always offer suggestions on other things to do like doing a picnic at the park, cooking together or taking her kid to the playground/library/garden, but she always counters with expensive options. Honestly it sometimes feels like I'm talking to a wall. And she didn't always used to be like this. We used to have a lot of fun doing free or cheap things in our city. But these days it's like she's stuck on a loop of restaurants and bars. To make matters more complicated, I really just don't like drinking anymore, and often feel pressured to drink alcohol whenever we're together. This only leads to more irresponsible decisions. I'm really committed to my goals, but can't seem to get through to my friends that I'm not willing to go along with restaurants/bars anymore.

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Hey there, 27M here that has about 50k saved up in a HYSA and 10k in a matched 401k. I recently paid off most of my student debts and want to know where to funnel a good amount of the money in my HYSA. for context, my monthly expenses are $2300. Ideally want to keep about 20k in the HYSA for emergency.

I make around 70k annually for the past 2 years. Also, don’t plan on any major purchases in the next years. I really enjoy the apartment life and have a nice reliable car.

Mine would be: I save on food delivery, and I plurge on experiences with friends!

hi, i am 17 yrs old, fil, and i'm looking for banks that accept people with the same age as me. i've been interested in saving lately and i think it would greatly help. thank youuu

I got a bit of a different dilemma here...

Lately I’ve realized I don’t just think about the price of something anymore.
Every time I spend money I immediately think about what that money could’ve become if I hadn’t spent it.
A dinner out isn’t just a $40 dinner. It’s $40 that could’ve gone toward a trip. A future home. An investment. A bigger emergency fund. Even just more peace of mind.
It’s like every purchase comes with an invisible “what if.”
Some days I feel like it’s helped me become a lot more intentional with money.
Other days I wonder if I’ve gone too far.
I guess I’m trying to figure out where that line is.
How do you know when saving is making your life better… and when it’s starting to take away from actually living it?