Do you have a budget goals or making the math how much would you save?

[Alwayreckles93]

I have people think I am crazy when it comes to my frugal ways. But honestly I can proudly say I did saved a lot of money. Now next year I will have my home paid off. My vehicle is now paid off. I have other crazy was yes I am very cheap when it comes to saving each dollar.

[EaterPeter]

Very smart. I would want to learn some of your ways. Paid home and vehicle at 22? Student loan? Any other debt? When it comes to home the interest now a day is so high. Every $20 we spend on anything but capital payment we end up paying 80 to 100 $s in interest every month. How ridiculous?

[EaterPeter]

$100 interest payment on every $20 you are spending on anything else but principal only payment amd that is per month.

[EaterPeter]

The apr on home loan is more than 100% please don't just look mortgage rate. They makes us morons by talking about mortgage rate only.

[EaterPeter]

Moron *

[Alwayreckles93]

Thank you Sir I am actually 30 but yes I did educate my self on finances. I don't spend money if I can get it for free I take it. When friends and family no longer want good furniture or clothes I say bring them over I clean their home in exchange lol. I also never took loans I never sing up for credit cards. I paid full on this online really cheap online college. I wish highschool could educate kids on how to manage money. Because it is true no one ever teaches or educates people and teenagers about this financial topics. I good friend 😂 f mine decided to move and live their home abondone I asked them for an offer and debated a price and I can say I em hable to live a stressed free life lol
My friends make fun of me because I don't go to malls shopping for clothes but hey I don't have the credit card payment struggles. When people no longer want their clothes furniture. I got a free couch a friend of mine got tired of it she got her self a new couch she was about to throw it away. Not wrong with that couch good condition and I say hey want your couch. Now that couch it's at my place lol. mostly of the furniture I got it donated from friends and family. My truck I got a good deal now it paid off. I get all my make up and needs from dollar tree. People say that I am crazy but I love my stress free live lol

[Alwayreckles93]

Now when I think about it. People can be so wasteful. I hate wasting stuff like why work so hard to buy furniture to later donate it to goodwill or throw it away. I just don't get it.

[EaterPeter]

Thanks for like!

[EaterPeter]

Very well. Thanks for sharing.

[Alwayreckles93]

You are very welcome Sir.

[EaterPeter]

Yes to budget goal no to math.

[NathanDavis]

a home and a car at age 23? that is remarkable... lol

what about after that? are you still going to keep saving as much money as you have? or will you go more relaxed next?

[RealMarek]

That’s good. Don’t let anyone convince you it isn’t.

[Alwayreckles93]

thank you Sir👍

[Hummertime]

You really need to return to the Mormon church.

Second you make a good income my wife and I don't understand why you have the need to be cheap.

You go way to the extreme. You could have got bought yourself a mansion. But you made the choice to buy yourself an old house even dough you are hable to afford a mansion.

[Staximus]

@Hummertime So the Mormon church can talk her into donating her retirement money? Fuck that bullshit. Good jobs don't always last forever. Smart people have something or extra money saved to fall back on. What does one person or a whole family even need with a mansion unless they have 10 kids? Why spend all your money paying for a mansion? So you can look fancy and be broke again? You're not the brightest bulb on the Christmas tree over there, pally. Stop giving shitty advice and trying to run other people's lives. Stick to what you know because it sure as hell isn't financial management

[Hummertime]

@Staximus Are you telling me what to do?

She has needs to attend the Mormon church!

She will loose her temple blessing and she needs to pay her tithing !

[Staximus]

She doesn't need to pay Jack shit too anybody

[Kyyroz]

Good on you. Get another property now somewhere nice and rent it out. :)

[AmeerX]

I think it is pretty good to be frugal. Waste is bad

[OlderAndWiser]

Yes, I have financal goals.