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I'm just curious. Do you have strategies to save money when living on your own or when living with your parents? Do you even need to save money at all? Share your ideas and thoughts on the best ways to save money. Whether is for food, clothing, rent, electronics etc.
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My mother pays my clothes (she even begs to buy clothes for me sometimes :P) and my food.
All the money I save comes as Christmas/birthday gifts, and I usually keep it, so I always have money saved. |
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Mt. Epic wrote:I do chores. I wish I could of save money that way when I was a kid.
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I save 50% of my paychecks (they go into an account) and I spend the rest on.. whatever. |
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Yeah, I do chores, but still my parents buy my most of my stuff, but they won't give me much money often if I want to hang out with my friends, so that's why I do chores. |
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My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. |
 Axiom is Mike Peck- Production/Guitars/Piano/Keyboards/Hammond Organ/Vocals Tim Dunn- Production/Guitars/Bass/Drums/Saxophone/Vocals |
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TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy!
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stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. |
Axiom is Mike Peck- Production/Guitars/Piano/Keyboards/Hammond Organ/Vocals Tim Dunn- Production/Guitars/Bass/Drums/Saxophone/Vocals |
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TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you.
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stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. Please don't criticize me for this, cuz I haven't had your experience of being in college, but aren't dorm rooms free or cheap for students? |
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stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. I don't have to pay the bills. My financial aid and scholarships pay them. I don't make a lot of money, but I don't actually have to pay my rent or for food or for school. My Financial aid and scholarships cover the cost of school and all living expenses (rent, food, etc.) regardless of whether I live on or off campus. I just set some aside in case I go on a bit of a spending spree early in the semester (since the excess aid money for rent and food and so on is deposited into my checking account) that I can pay everything without needing loans or family help. Also dorms, at least at IUB, are not cheap and are more expensive than an off campus residence. I live off campus in an apartment. |
Axiom is Mike Peck- Production/Guitars/Piano/Keyboards/Hammond Organ/Vocals Tim Dunn- Production/Guitars/Bass/Drums/Saxophone/Vocals |
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Mt. Epic wrote:stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. Please don't criticize me for this, cuz I haven't had your experience of being in college, but aren't dorm rooms free or cheap for students? Just know this, nothing is free in this world. Not even earning a scholarship.
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stephaniewazhere wrote:Mt. Epic wrote:stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. Please don't criticize me for this, cuz I haven't had your experience of being in college, but aren't dorm rooms free or cheap for students? Just know this, nothing is free in this world. Not even earning a scholarship. I mean, The CDs already cleared up my question, just, the colleges already get like a lot of money from you, so I assumed that dorms go into it, or maybe you pay it when you pay for the college, or i dunno know, he cleared it up |
Fuck yo punk ass! Da BBC Kingz gon' getchu! |
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Mt. Epic wrote:stephaniewazhere wrote:Mt. Epic wrote:stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. Please don't criticize me for this, cuz I haven't had your experience of being in college, but aren't dorm rooms free or cheap for students? Just know this, nothing is free in this world. Not even earning a scholarship. I mean, The CDs already cleared up my question, just, the colleges already get like a lot of money from you, so I assumed that dorms go into it, or maybe you pay it when you pay for the college, or i dunno know, he cleared it up Yeah financial is good until you have to start paying for it. Even though they have monthly plans and crap like that, its annoying.
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stephaniewazhere wrote:Mt. Epic wrote:stephaniewazhere wrote:Mt. Epic wrote:stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. Please don't criticize me for this, cuz I haven't had your experience of being in college, but aren't dorm rooms free or cheap for students? Just know this, nothing is free in this world. Not even earning a scholarship. I mean, The CDs already cleared up my question, just, the colleges already get like a lot of money from you, so I assumed that dorms go into it, or maybe you pay it when you pay for the college, or i dunno know, he cleared it up Yeah financial is good until you have to start paying for it. Even though they have monthly plans and crap like that, its annoying. I don't have any money to pay back. I don't have any loans, it is all in grants and scholarships. |
Axiom is Mike Peck- Production/Guitars/Piano/Keyboards/Hammond Organ/Vocals Tim Dunn- Production/Guitars/Bass/Drums/Saxophone/Vocals |
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TheCDs wrote:stephaniewazhere wrote:Mt. Epic wrote:stephaniewazhere wrote:Mt. Epic wrote:stephaniewazhere wrote:TheCDs wrote:stephaniewazhere wrote:TheCDs wrote:My weekly checks from my computer consulting job at school are used like this:
40% Saved in savings account
10% saved in Roth IRA
30% Put into checking account for use on essentials (food, clothes, rent, etc.)
20% Put into checking account for use on anything else
Eventually I would like to move some of that 40% savings into active investments, but not until after I get out of school. unless you have some really cheap rent you sure make a lot of money there buddy! I don't actually pay to attend school. My financial aid EFC is 0 so with that and scholarships I usually end up with some extra cash in hand. The 30% set aside for rent and so on is in case I happen to spend a little too much early in the semester and need it for the end. I'm not calling you a liar if thats what you think I'm just saying cuz if you can save 40% of your check and still manage to pay you rent, electric bill, etc, you must make some money. That's good for you. Please don't criticize me for this, cuz I haven't had your experience of being in college, but aren't dorm rooms free or cheap for students? Just know this, nothing is free in this world. Not even earning a scholarship. I mean, The CDs already cleared up my question, just, the colleges already get like a lot of money from you, so I assumed that dorms go into it, or maybe you pay it when you pay for the college, or i dunno know, he cleared it up Yeah financial is good until you have to start paying for it. Even though they have monthly plans and crap like that, its annoying. I don't have any money to pay back. I don't have any loans, it is all in grants and scholarships. Like me. But still its annoying if you have loans.
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I'm getting a job after the holidays.I usually make money through 2 ways, birthday/christmas/seeing family members I haven't seen in a while, and selling pot.I usually split my money 75/25 with 75 percent of the income going to the bank and 25 for myself. |
The Nimrods (Progressive Death Metal,Progressive Metal,Progressive Rock.Think Opeth/Dream Theater/Tool/Pink Floyd) Jimmy Him- Lead Guitar,Vocals,Primary Songwriter Davey Matlock- Bass,Guitars,Vocals,Primary Songwriter Kit Saunders- Drums,additional percussion Jaska Latvala- Rhythm Guitar,Vocals,Primary Songwriter Jack Burton- Keyboards,Keytar Satyr in the Frost(Melodic Black Metal,think Satyricon/Mayhem/Early Dimmu Borgir/Immortal) Sigmund-Vocals and Rhythm guitar Celt-Drums Saxon-Lead Guitar Sauron-Keyboard Gris-Bass Rincewind wrote:The Nimrods wrote:I knew you'd be back! *cries* now now, *hugs and steals wallet* xNightsidex wrote:Oops I stumbled over and hit the "extend ban" button.  Gildermershina wrote:The Nimrods wrote:xNightsidex wrote:Sooo...
What's everyone else do in the real world? Sell pot and jerk off JK, or am i? At the same time? Rincewind wrote:Synxhard wrote:I don't believe in jeans... well your shit out of luck because they believe in you..... |
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Also I'm pretty sure dorms are not cheap and they are not free that's for sure.I've been looking at colleges and their tuition costs and most dorms are between 3-4,000 dollars for a semester and seeing as most people go for 2 semesters that's between 6-8,000 per year.Unless of course you pay for a dorm for 1 semester and then rent an apartment which is probably cheaper, unless of course you can afford an apartment right off the bat. |
The Nimrods (Progressive Death Metal,Progressive Metal,Progressive Rock.Think Opeth/Dream Theater/Tool/Pink Floyd) Jimmy Him- Lead Guitar,Vocals,Primary Songwriter Davey Matlock- Bass,Guitars,Vocals,Primary Songwriter Kit Saunders- Drums,additional percussion Jaska Latvala- Rhythm Guitar,Vocals,Primary Songwriter Jack Burton- Keyboards,Keytar Satyr in the Frost(Melodic Black Metal,think Satyricon/Mayhem/Early Dimmu Borgir/Immortal) Sigmund-Vocals and Rhythm guitar Celt-Drums Saxon-Lead Guitar Sauron-Keyboard Gris-Bass Rincewind wrote:The Nimrods wrote:I knew you'd be back! *cries* now now, *hugs and steals wallet* xNightsidex wrote:Oops I stumbled over and hit the "extend ban" button. Gildermershina wrote:The Nimrods wrote:xNightsidex wrote:Sooo...
What's everyone else do in the real world? Sell pot and jerk off JK, or am i? At the same time? Rincewind wrote:Synxhard wrote:I don't believe in jeans... well your shit out of luck because they believe in you..... |
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The Nimrods wrote:Also I'm pretty sure dorms are not cheap and they are not free that's for sure.I've been looking at colleges and their tuition costs and most dorms are between 3-4,000 dollars for a semester and seeing as most people go for 2 semesters that's between 6-8,000 per year.Unless of course you pay for a dorm for 1 semester and then rent an apartment which is probably cheaper, unless of course you can afford an apartment right off the bat. At IUB dorms are about $4,500 a semester and that is before the required meal plan (running anywhere from $2,900-$3600 for the year). Also all freshmen are required to live a full two semesters to live in the dorm unless they transfer in the second semester, then they are only required one semester. |
Axiom is Mike Peck- Production/Guitars/Piano/Keyboards/Hammond Organ/Vocals Tim Dunn- Production/Guitars/Bass/Drums/Saxophone/Vocals |
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