Tag Archives: frugal

Share track: The Average Net Worth of A Millennial is -$36K

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Share track: Cancelled Comcast, Saved $80 a Month

Success with TS – Leasing a Vehicle is NOT for this Millennial Dad

Success with TS – You Could Save Nearly $1,000 a Year by Cancelling Your Cable

Real Fake Lives: Only 47% of Millennials are Living within Their Means, Social Media a HUGE Factor in Modern Debt Acceptance

I find the hardest thing about being a Millennial in 2018 is realizing that you have to stop living the lie of overspending that our culture promotes to us, that most of my contemporaries are probably assisted into debt and prove it daily, apathetically through social media posts. And this my friends, is a marketing tactic to sell you that it is OK to live on credit and not be accountable for your spending.

Debt is “good” they tell you… sure, think about that debt payment you’ll have to pay for the next umpteen years.  Not so good then.  NO.  But my credit score?  If you don’t have cash don’t buy, any wise financial guru would tell you that.

Those out there spending money to take pictures of their food, those who pretend they have fun with friends they only drink with, those out there buying shit they don’t need, those buying (or worse!) leasing new vehicles, those out there promoting products and platforms for free while they wallow in future debt, oh god, there is not down vote button for this stupidity.  Someone out there is making dollars off of them, sad.

You have to truly realize where you are. Oh, I am a human with flaws?  Oh, I am just carbon like everyone else?  SO why try to act like you aren’t?  You can not afford to put another bar tab on your credit card. You cannot afford to pay gas with a credit line. You cannot go on that vacation and make all your followers jealous.  How will you eat next Tuesday? I had to eat a bean sandwich once: just beans between bread. I am down there.  Are you bean sandwich read?!  If not, keep doing you.

It’s time to realize what a person has to do.  A person has to live free by making themselves free.  Debt is not freedom, debt is a prison.  Each day you work to pay off our debts, you are in chains.  Get out of debt now!  Or just stop reading right here and go scroll social media for hours and forget about it.  It’s all good! 😉

Or: We have to make sacrifices. Get off your phone. I think I can’t live the fake lifestyles that I see anymore. I think I must stop taking in this bullshit. I think I have to become the frugal master.  I think I have to get angry about my debt in order to change my future.  One where I will be debt free and at the beach.  Everyone wants to change things for the better for everyone else but forgets they have to change themselves for the better first.  Don’t stop being philanthropic, but if you don’t have something to give you can’t give.  Think about it.

So, trailing off, I get somewhat acutely disturbed about others unawares debt, the lives they promote that are so costly they couldn’t possibly know. But I don’t care. I realize if most are OK on a sinking ship–which is going very down fast, more lifeboats and options for me. (I am under the philosophy: I better me, I better you.)

Now think, my first sentence was very hard to take, but if you made a penny for every Tweet or Facebook post or Insta scroll, damn, you’d be loaded, and halfway through paying off that credit card or that new phone or that student debt. Now, it’s a bit easier to understand, I hope.  That is why Facebook is rich and you aren’t. Head in outer space floating for likes and affirmation of importance.  You intelligent piece of carbon. Do you have a status update for that?

We cancelled our #Netflix because you can get most things for free at the #library

I wonder if people know they can get most things for free at the library, even an original series on Netflix… I told my colleague this just before lunch hour yesterday. He seemed surprised. Was I lying, was I crazy, could a person really do this? Ah, yes. To the latter that is. Here’s how I know. Before mentoring last week I was at the public library and saw on the hold shelf: Stranger Things (both seasons). SO, that was what did it for me. Yeah, I could be sad about not getting Netflix exclusives any more, but now I know I can get them at the public library for the cost of having a library card: free. This should be no surprise society, and it was a surprise to me. Again, you can get most things at the library for free if you know what you are looking for, how to ask for it, and who to ask. Everyone wants to help you. Do you want to save money and help yourself? Get it at the library.

97% of American Millennials can be completely debt free in less than 8 years by doing one simple thing, here’s how…

Have you ever woken up and thought that you could actually be debt free, I mean, like, really debt free in your lifetime? No student loan payments, no car payments, no mortgage, no credit card payments… It probably feels like the “fuck-you money” kind of awesome, going from indebted-and-paying-constantly to just existing to peacefully nothing, to actual freedom. That is something. That is real. And how you get there is you set goals and get away from the news and social media. I am working towards getting there, mildly broke now but slowly and surely getting better.  You see, I am horrible at math but because reading a few books about personal finance and factoring with logic, I know I can be out of credit card debt, student loan debt, and all other consumer debt in 5 to 8 years if I just get focused and do. And you can too if you set goals and work hard and stay persistent in your endeavors. You can do anything you set your mind to. Imagine, taking the same amount of time you spend every day updating your social media or working with a movement for someone else’s goals and dreams or investing your time into reading ADvantageous to advertisers news, and putting it towards YOUR GOALS and YOUR DREAMS. You can do it with hard work and time, 98% of the time, guaranteed. Stop being distracted and focus on bettering your situation and in 8 years see how far you have come, 98% of Americans will have changed, hopefully, for the better.