Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

Gather round, children, while I tell you one of adulthood’s greatest secrets. It is a pearl of wisdom that can only be gained by leaving the nest, spreading your wings, and comparison shopping. Retailers don’t want you to know it, advertising agencies spend bajillions trying to keep you from learning it. You can live your whole life in ignorance of this simple fact if you don’t spend a little extra effort to look around yourself and pay attention at the goddamn grocery store.

Are you ready? Of course you are, you badass paragon of frugality and virtue.

You don’t have to buy name brand products. Most of the time the generic or store brand is the exact same thing for less money.

Armed with this knowledge, you are ready to embark on a spiritual and financial journey of fiduciary gratification the likes of which the world has never known. You will suddenly discover whole dollars in your grocery budget you never even knew existed. Let the scales fall from your eyes, dear readers, for truly name brand products are beneath you.

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Almost Everything Can Be Purchased Secondhand

Almost Everything Can Be Purchased Secondhand

Shit’s expensive. If you need to buy shit, you should try to make it less expensive. Spend less on the shit you need to buy, and you’ll have more money to spend on your other financial goals. A great way to do this is by buying your shit secondhand.

Gently used, pre-owned shit is often just as good as brand-spanking-new shit, and can always be purchased less expensively than new shit. It can even be free! To really drive this point home, I’m going to start with a by-no-means comprehensive list of shit you can (and should!) get secondhand.

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Run With Me if You Want to Save: How Exercising Will Save You Money

Run With Me if You Want to Save: How Exercising Will Save You Money

Being unhealthy and generally unfit is expensive. Living a truly sedentary lifestyle (one in which the word “exercise” is avoided at all cost and bursts of physical motion are vanishingly rare) is associated with all kinds of expensive illnesses and health risks. It literally costs you money to be lazy and out of shape.

But being fit and healthy is affordable by comparison. You can save yourself all kinds of money on healthcare costs and lifestyle expenses just by working your muscles periodically throughout the day. As far as frugality goes, physical fitness is an all-around genius tactic for saving.

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You Need to Talk to Your Parents About Their Retirement Plan

You Need to Talk to Your Parents About Their Retirement Plan

I don’t give a flying nun about inheriting money when my parents eventually buy the farm. As far as I’m concerned, it’s their hard-earned dough. They should use every goddamn penny of it to enjoy their retirement and live comfortably until the day they die. In fact, I truly hope they do!

But one of the greatest gifts they can give me instead is the knowledge that their retirement and passing won’t be a financial burden on me. Knowing that my parents have a solid retirement plan will grant me enormous peace of mind. It will allow me to focus on growing my own wealth so that when I get to the age where I’m allowed to be embarrassingly blunt in public, I won’t be dragging down the finances of my younger relatives.

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The Delicate Art of the Friend Trade

The Delicate Art of the Friend Trade

When you’re short on money and long on time you get creative about paying for things. And a great, creative way to save money on goods and services is by trading for them with other goods and services.

I haven’t paid for a haircut in literally years. My hairstylist friend just happens to be a mom, so I trade babysitting for haircuts and we both walk away happy. This friend trade is a mutually beneficial arrangement: we both get something we really need, we both save money, and we both get the satisfaction of helping a sister in her hour of need.

But the friend trade is a delicate art. There’s no faster way to sour a friendship—and jeopardize your future trading opportunities—than to badly mishandle the intricacies of the friend trade.

Let’s examine how you can save money by navigating the waters of friend trading without being a total garbage person.

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Why You Probably Don't Need That Gym Membership

Why You Probably Don’t Need That Gym Membership

Ok I know I just told you to start working out as a way to stay healthy and wealthy, but listen up: you can do it all without a gym membership.

Gyms are smelly, crowded, and over-priced. Their hours are sometimes inconvenient, and there’s no guarantee you’ll get a turn on the equipment you want to use or fit into that over-crowded aerobics class.

Even the most affordable, at $30 a month, are a big chunk of change that you could surely use for more lofty goals. And while the most expensive ones also offer things like saunas and in-house massage therapists, do you really use those services often enough to justify paying $500 or more a month?

Answer’s no, snowdrop. When you get right down to it, a gym membership is a great way to tell the world “My New Year’s Resolution was to lose ten pounds by going to the gym six days a week, but it’s February 10th and there’s a new season of Orange Is the New Black on Netflix and I’m too ashamed to cancel my gym membership so HERE WE ARE.”

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The Library is a Magical Place and You Should Fucking Go There

The Library Is a Magical Place and You Should Fucking Go There

Back when I lived in a hippie commune with approximately nine humans and 37 dogs, I biked to the library on a regular basis. It was an easy way to keep myself in reading material without spending all of my meager paycheck on books.

As I was leaving one day, I asked one roommate if she wanted me to pick up anything at the library for her. Her response: “Is it free?”

Is it free? Is it free?

Let’s pretend for a minute that it’s not completely weird and unbelievable that an adult human being could grow up in the United States without ever having learned the first thing (literally, the very first thing) about the public library. Let’s also set aside the fact that this particular person was an English major! I’ll just state, definitively and for the record:

The library is fucking free, you fool. So why the hell wouldn’t you use it? Especially if you’re on a tight budget and trying to save money?

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Procrastinating on opening a retirement account? Here's 3 ways that'll fuck you over.

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over.

If I had to rank all the things I love to do in my precious free time, where would opening a retirement account fall? Let me see, hmm… Above a root canal, but below politely accepting a religious tract from a door-knocking missionary. What can I say? Some of them have pretty nice artwork!

Have you been procrastinating on opening your retirement account? Feeling lazy? Avoidant? Afraid of the paperwork? Feel like you’d rather use that money on stuff right now? Obviously I feel you.

But buck up, son! I’m about to tell you why you can’t afford not to open a retirement account.

To recap: Americans have access to two main kinds of retirement accounts.

First, a 401(k)—or 403(b), if you work for a nonprofit—is a retirement fund facilitated by your employer. You set it up so they can take money directly out of your paycheck and squirrel it safely away for you to use when you’re terrorizing orderlies in the nursing home. That way you can focus on maintaining your record as Wheelchair Drag Race Champion of Shady Hills Retirement Community and not get distracted by petty financial concerns.

Pictured here: retirement goals.

Second, there’s IRAs (individual retirement accounts). IRAs are very similar to 401(k)s, but they’re attached to you directly instead of your employer. There are other differences, but meh, they’re pretty minor. You can get acquainted with the finer points later.

Retirement accounts are powerful tools for growing wealth and stability for your future self. The trick is you have to opt into your retirement account. If you’re self-employed, or you work for a company that doesn’t offer 401(k)s, you need to go out and open your own IRA. And if you work for a company that offers 401(k)s, you need to sign up and voluntarily tell someone to NOT give you part of your paycheck every month.

As broke as you are right now, ignoring a perfectly good retirement fund is a terrible idea. Because if you do that, you’ll lose money in three different ways.

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