Removing that is pretty sick, but the line that got me was:
I used to be a waitress and make great tips and travel and live my life without worrying. This year changed everything.
A kid who was never taught the value of money, never wanted for anything and so never saw the need to save. Gurantee you there are thousands of people in this position, suddenly the kids are having to grow up very, very quick.
I never thought I'd see the day where fucking Twitch streamers had a more stable 'job' than productive people.
I've been poor, scrounging, and hording all my life because I've normally had almost nothing except disaster. ... This year had very little effect on my. I actually got a job in a place that was considered "essential" so I didn't even lose out on work. However, I am surrounded by middle-class people who, frankly, seem alien to me.
They have repeatedly told me that I'm a crazy person for taking free food home from work because it was "left out" (for about 6 hours), and that there wasn't going to be a recession, and that buying gold/silver/platinum is ridiculous and an unwise investment.
As a great philosopher once said: FUCKYOUIWASRIGHT
These people are still living their lives comfortably, but I've seen this all back in 2008. The middle class came crashing down to my level. NPR did news stories about middle class people having to... live like me. I was nearly totally uneffected by the 2008 crash too.
These people have no idea what's about to happen to them, despite my hysterical ramblings. I definitely look like the guy who's screaming about the sky falling to them. They just want to keep keepin' on the way things have been. But they are finally getting unnerved about the debt being over 100% of the GDP.
My poor friends are half tempted to do the same thing, because they don't know what's going on, and they're just trying to get by and read manga. But they are taking me more seriously now because I won't stop giving them silver coins and telling them not to sell them. They're starting to realize that I'm deadly serious, and if Gizortnik looks like he's doing something insane, he might just be doing it for a good reason. He's either an idiot and you'll know immediately, or he's right and you should be concerned.
Can relate to the thing about food. I'll be taking home the food that was 'out of date' by maybe 30 minutes - 2hrs and people were always questioning why I wasn't sick from it. This from the people that throw out everything in their fridge every week. On the plus side I used to save loads from just acting as waste disposal for their perfectly good food.
Christ I knew a guy who knew the timing of a certain 7-11, they'd throw out their fresh subs every two or four hours or something crazy; they didn't unwrap them, so he'd just come along and grab the ones on top.
I love "best by" dates, mostly because several supermarkets around here sell stuff at 50% off if it's going to expire that day.
You can get really nice dinners for 1-2€. Not the cheap frozen microwave stuff either but their "gourmet" line with fresh vegetables, salads and expensive ingredients like .... uhh ... salmon (not fried though) and stuff that actually looks like what it's supposed to be, not some ground up chunks that have vaguely the right color.
I always make sure to check their discount shelf to see whats for dinner that week. You can't beat those prices and they last for several days in the fridge. Even dairy products last for weeks past the best-by date. If it doesn't smell funny or tastes funny its fine.
I buy at least half of my meat like that. It will be two or three days from the date, which is totally fine because I have in my head I'm going to cook it in the next few days anyway. High priced cuts of meat for the price of the cheap stuff. I haven't looked for fish before, maybe I should. I'm really bad at cooking fish but it would be an opportunity to learn I guess.
I've never seen that type of deal on vegetables. They are usually pretty cheap anyway where I am. The people that say they can't afford to eat healthy are just lazy. Fresh fruit and vegetables are usually the cheapest food I buy.
Similar stuff from some supermarkets in the UK. Go at the right time and you can get things for quite literally 10 pence or even lower.
800g loaf of bread? 10p.
Buy three if there are that many left and freeze them all.
Make-your-own coleslaw packs? 6p each. Get a couple or more if able and you have meal sides for at least a week for less than 20 pence.
It does come down to luck of the draw at times and you need to be prompt sometimes as it's not a secret this happens, but with consideration you can spend fractions of produce that can be properly kept for a long time after those best before labels say.
This from the people that throw out everything in their fridge every week.
I can only imagine that the type of person to do this was someone who's never truly gone hungry.
On the plus side I used to save loads from just acting as waste disposal for their perfectly good food.
Yeah, I was getting too much food. Couldn't eat it all, and they put mayo on everything. (The racists might have a point about the white upper-middle class obsession with mayo).
Them: "You can't just eat potato salad that's been out since this afternoon, it's got mayonnaise in it, it will spoil. It's gross."
Me: <eats> "I don't even like potato salad. It was served cold, and it's still cold."
It's the middle-class, bro.
They are so weird. I never used to believe that there were major class differences between populations. Like, it doesn't matter how much money a person has, if they have similar values, they'll look basically the same. But that's just not true. The middle class are fucking alien. I grew up poor and mostly rural so their entire perspective on reality is contrary to mine. I couldn't relate to any of them if I weren't surrounded by nerds.
Then, of course, there are the suburbanite mid-wits which I simply have never been able to stand.
Class is more of a divider than race or religion. No question.
As someone who was working poor for most of my life and who recently joined the middle class in the last three years (looks like I will be back to my roots soon though) I totally agree. People in the middle class who have not known anything else are weird/ignorant of much of the hardship. It's pretty fucked up.
A kid who was never taught the value of money, never wanted for anything and so never saw the need to save.
It was pretty shocking to find out how many people just don't have any savings. Another one was school lunches, it was appalling to find out so many parents rely on schools to feed their kids, it's literally one of the absolute most basic responsibilities of a parent, and they rely on a third party to ensure their own child has something to eat.
it was appalling to find out so many parents rely on schools to feed their kids
I have to wonder if this would be such a problem if schools didn't feed kids. I know schools in my area provide the equivalent of 3 meals per day, and a big concern was that if schools were closed, the kids wouldn't eat.
Well, I can't say I blame the parents for taking advantage of a service that's available to them. But do they actually need to? Or is it just convenience/laziness?
Another one was school lunches, it was appalling to find out so many parents rely on schools to feed their kids, it's literally one of the absolute most basic responsibilities of a parent
I had school lunches as a kid, but always had cooked food at home for dinner. I think it's just convenient and/or cheap.
They always put the fun stuff before the shit you have to do. I can't be all on a high horse and say I was totally financially independent at 23, but I also never would have said that I used to travel and live my life. My early adult life was a slog of working to live and pay for education at the same time and while I did have a little money for fun, we are talking a little. I don't think I could have spent a night in a hotel "traveling" without a month of saving fun money. It was also totally worth it for the kick-start it gave me on the rest of my life.
I'm not sure how I became a saver though growing up around so many bad with money people. I still wouldn't call myself a really tough saver anymore, but I maintain what I have and keep my monthly expenses as low as possible (I hate monthly recurring expenses).
I'd never say to not have nice things like a lot of financial advice, if you want to travel, get a nice car, whatever go for it--at the right time. That's key and it's why I have loads of friends and family that have damn good jobs/income that would be at the food bank in a month in their fancy extremely-leverage purchased car if their income stopped.
This is a much bigger determining factor to long-term wealth than people realize. Keeping your monthly expenses low allows you to save more of each paycheck while still allowing for occasional impulse purchases which over time average out and are lost in the noise.
The other day I was looking at bank account interest rates and wondering how I could squeeze a bit of extra return out of some emergency cash, and I concluded that if I did nothing but cancel netflix I'd end up with several orders of magnitude higher return than if I invested that money in the short-term treasuries I was considering.
Yeah as I was reading more of this having turned into personal finance talk, I was really thinking if I was to give some piece of advice it wouldn't be the spiel about buying unnecessary items, or fancy cars, or any of that. It would be about not signing up for monthly recurring stuff.
I had someone just recently tell me I just "need to accept that I'm going to pay $30 a month for a cell phone forever", for the whole payment plan thing. Uh, no thanks. If there's something big enough cost I end up budgeting it as a monthly expense myself and saving it. I could do that with a phone, throw that $30 a month into savings account and before you know it I can buy a phone and if in the meantime the shit hits the fan I've got a little extra in the bank and owe less to the phone company. I've graduated more to using this method on bigger things like cars, but the concept stays exactly the same.
I used to have those discussions with my parents when I started out own my own. They'd talk about the need to do stuff like clip coupons and reuse ziplock bags and aluminum foil. I'd tell them "Or I could drop my housing expenses by $100/month and buy all the ziplock bags and aluminum foil I'd ever need".
I'm not opposed to buying stuff on sale, but it's small potatoes compared to things like rent.
Removing that is pretty sick, but the line that got me was:
A kid who was never taught the value of money, never wanted for anything and so never saw the need to save. Gurantee you there are thousands of people in this position, suddenly the kids are having to grow up very, very quick.
I never thought I'd see the day where fucking Twitch streamers had a more stable 'job' than productive people.
I've been poor, scrounging, and hording all my life because I've normally had almost nothing except disaster. ... This year had very little effect on my. I actually got a job in a place that was considered "essential" so I didn't even lose out on work. However, I am surrounded by middle-class people who, frankly, seem alien to me.
They have repeatedly told me that I'm a crazy person for taking free food home from work because it was "left out" (for about 6 hours), and that there wasn't going to be a recession, and that buying gold/silver/platinum is ridiculous and an unwise investment.
As a great philosopher once said: FUCKYOUIWASRIGHT
These people are still living their lives comfortably, but I've seen this all back in 2008. The middle class came crashing down to my level. NPR did news stories about middle class people having to... live like me. I was nearly totally uneffected by the 2008 crash too.
These people have no idea what's about to happen to them, despite my hysterical ramblings. I definitely look like the guy who's screaming about the sky falling to them. They just want to keep keepin' on the way things have been. But they are finally getting unnerved about the debt being over 100% of the GDP.
My poor friends are half tempted to do the same thing, because they don't know what's going on, and they're just trying to get by and read manga. But they are taking me more seriously now because I won't stop giving them silver coins and telling them not to sell them. They're starting to realize that I'm deadly serious, and if Gizortnik looks like he's doing something insane, he might just be doing it for a good reason. He's either an idiot and you'll know immediately, or he's right and you should be concerned.
I believe you have to be spinning around on your office chair for this to count.
And reciting it 3 times, but I figured once would suffice.
wasnt there also the middle fingers going up and down or is my memory faulty here
I am Nostradamus! plays
Can relate to the thing about food. I'll be taking home the food that was 'out of date' by maybe 30 minutes - 2hrs and people were always questioning why I wasn't sick from it. This from the people that throw out everything in their fridge every week. On the plus side I used to save loads from just acting as waste disposal for their perfectly good food.
Christ I knew a guy who knew the timing of a certain 7-11, they'd throw out their fresh subs every two or four hours or something crazy; they didn't unwrap them, so he'd just come along and grab the ones on top.
Yeah, I knew a lot of dirtbags. :P
I love "best by" dates, mostly because several supermarkets around here sell stuff at 50% off if it's going to expire that day.
You can get really nice dinners for 1-2€. Not the cheap frozen microwave stuff either but their "gourmet" line with fresh vegetables, salads and expensive ingredients like .... uhh ... salmon (not fried though) and stuff that actually looks like what it's supposed to be, not some ground up chunks that have vaguely the right color.
I always make sure to check their discount shelf to see whats for dinner that week. You can't beat those prices and they last for several days in the fridge. Even dairy products last for weeks past the best-by date. If it doesn't smell funny or tastes funny its fine.
I buy at least half of my meat like that. It will be two or three days from the date, which is totally fine because I have in my head I'm going to cook it in the next few days anyway. High priced cuts of meat for the price of the cheap stuff. I haven't looked for fish before, maybe I should. I'm really bad at cooking fish but it would be an opportunity to learn I guess.
I've never seen that type of deal on vegetables. They are usually pretty cheap anyway where I am. The people that say they can't afford to eat healthy are just lazy. Fresh fruit and vegetables are usually the cheapest food I buy.
Similar stuff from some supermarkets in the UK. Go at the right time and you can get things for quite literally 10 pence or even lower.
800g loaf of bread? 10p.
Buy three if there are that many left and freeze them all.
Make-your-own coleslaw packs? 6p each. Get a couple or more if able and you have meal sides for at least a week for less than 20 pence.
It does come down to luck of the draw at times and you need to be prompt sometimes as it's not a secret this happens, but with consideration you can spend fractions of produce that can be properly kept for a long time after those best before labels say.
I can only imagine that the type of person to do this was someone who's never truly gone hungry.
Yeah, I was getting too much food. Couldn't eat it all, and they put mayo on everything. (The racists might have a point about the white upper-middle class obsession with mayo).
Maybe I'm showing my origins here but wtf taking home that sort of food's perfectly sensible imo.
It's the middle-class, bro.
They are so weird. I never used to believe that there were major class differences between populations. Like, it doesn't matter how much money a person has, if they have similar values, they'll look basically the same. But that's just not true. The middle class are fucking alien. I grew up poor and mostly rural so their entire perspective on reality is contrary to mine. I couldn't relate to any of them if I weren't surrounded by nerds.
Then, of course, there are the suburbanite mid-wits which I simply have never been able to stand.
Class is more of a divider than race or religion. No question.
As someone who was working poor for most of my life and who recently joined the middle class in the last three years (looks like I will be back to my roots soon though) I totally agree. People in the middle class who have not known anything else are weird/ignorant of much of the hardship. It's pretty fucked up.
The best tasting food on the planet is literally anything, when starving
The second best food is "shit I didn't have to make or pay for". If I worked at your place, I'd wrestle you for it
Except I'm a cripple now, so that'd be poor sportsmanship on your part to agree. Just gimme the shit already!
NO HAND OUTS LIBERAL
It was pretty shocking to find out how many people just don't have any savings. Another one was school lunches, it was appalling to find out so many parents rely on schools to feed their kids, it's literally one of the absolute most basic responsibilities of a parent, and they rely on a third party to ensure their own child has something to eat.
I have to wonder if this would be such a problem if schools didn't feed kids. I know schools in my area provide the equivalent of 3 meals per day, and a big concern was that if schools were closed, the kids wouldn't eat.
Well, I can't say I blame the parents for taking advantage of a service that's available to them. But do they actually need to? Or is it just convenience/laziness?
I had school lunches as a kid, but always had cooked food at home for dinner. I think it's just convenient and/or cheap.
They always put the fun stuff before the shit you have to do. I can't be all on a high horse and say I was totally financially independent at 23, but I also never would have said that I used to travel and live my life. My early adult life was a slog of working to live and pay for education at the same time and while I did have a little money for fun, we are talking a little. I don't think I could have spent a night in a hotel "traveling" without a month of saving fun money. It was also totally worth it for the kick-start it gave me on the rest of my life.
I'm not sure how I became a saver though growing up around so many bad with money people. I still wouldn't call myself a really tough saver anymore, but I maintain what I have and keep my monthly expenses as low as possible (I hate monthly recurring expenses).
I'd never say to not have nice things like a lot of financial advice, if you want to travel, get a nice car, whatever go for it--at the right time. That's key and it's why I have loads of friends and family that have damn good jobs/income that would be at the food bank in a month in their fancy extremely-leverage purchased car if their income stopped.
This is a much bigger determining factor to long-term wealth than people realize. Keeping your monthly expenses low allows you to save more of each paycheck while still allowing for occasional impulse purchases which over time average out and are lost in the noise.
The other day I was looking at bank account interest rates and wondering how I could squeeze a bit of extra return out of some emergency cash, and I concluded that if I did nothing but cancel netflix I'd end up with several orders of magnitude higher return than if I invested that money in the short-term treasuries I was considering.
Yeah as I was reading more of this having turned into personal finance talk, I was really thinking if I was to give some piece of advice it wouldn't be the spiel about buying unnecessary items, or fancy cars, or any of that. It would be about not signing up for monthly recurring stuff.
I had someone just recently tell me I just "need to accept that I'm going to pay $30 a month for a cell phone forever", for the whole payment plan thing. Uh, no thanks. If there's something big enough cost I end up budgeting it as a monthly expense myself and saving it. I could do that with a phone, throw that $30 a month into savings account and before you know it I can buy a phone and if in the meantime the shit hits the fan I've got a little extra in the bank and owe less to the phone company. I've graduated more to using this method on bigger things like cars, but the concept stays exactly the same.
I used to have those discussions with my parents when I started out own my own. They'd talk about the need to do stuff like clip coupons and reuse ziplock bags and aluminum foil. I'd tell them "Or I could drop my housing expenses by $100/month and buy all the ziplock bags and aluminum foil I'd ever need".
I'm not opposed to buying stuff on sale, but it's small potatoes compared to things like rent.
I wonder why...
its really terrible money management.