/lounge/ - Lounge

>>319874
Like what for example?

>>319875
Not that wizard but entertainment and knowledge is free. Pirate everything.

>>319878
What a cheapskate, what's next? Take a dump on a public bathroom to avoid spend money on toilet paper?

>>319873
>A thread about how to maximize your money.
Get a job.
You can't maximize zero income.
Once you have a job use a actual budget. Calculate your non-discretionary expenses and always set aside that chunk of income to pay those expenses. Later on see what from those expenses you would be willing to reduce and if the major change to your lifestyle is worth the savings.

Discretionary spending and savings is all about present and future subjective desires. I would suggets putting away a emergency fund of savings that will cover your expected non-discretionary expenses for 6 months.
Beyond that what you spend or save is up to what your personal goals are.

tbh I don't understand needing elaborate 150IQ finance moves. After you've made a budget, with some money put aside for savings, stick to it. If you can't make a budget, you need to either lower your cost of living or increase your income.

That said, I did go uber broke having to live on NEETbux while financing a mortgage. I wasn't able to work, but I wasn't willing to give up my house.

-If you're behind in debt on utilities, make at least a small weekly payment on each debt and contact them with your intentions. They'll be less likely to threaten disconnection if you do this.

-You can actually miss a lot of mortgage payments before they clamp down on you. Banks love it when people get slightly behind because they make more on interest. This is very country specific though.

-Foodbanks and soup kitchens, use them, every week.

-If you're really desperate you can steal toilet paper, paper towels and soap from the public toilets

-Clothes shopping at Op-shops/second hand stores. Go each week and snavel the good deals on pants, shirts and jackets when they appear. Buy bulk underwear and socks from your version of walmart

-Go around bare feet more often. Shoes wear out and cost money, if you're a NEET you don't need shoes. Only wear your shoes if you have an appointment somewhere.

-For food, buy a 10kg bag of rice, onions, cheap vegetables and 2kg of meat, 2kg of meat will last a week. Go to the butchers for a bulk deal on weekly meat, tell them your intentions to save money and that you could consistently take whatever meat they want to offload on a certain date for a deal. If it's a large amount, if it's borderline offal, they'll be willing to do it.

-Disconnect the hot water cylinder and have cold showers.

-If you don't have a washing machine, it's best to buy a washing board and manually wash your own clothes. Even without a washing board, you can fill a sink, throw in your clothes and manually scrub and tumble them. Laundromats are a massive rip-off.

-If you're this giga-broke, spend all your money getting the allotted food and then instantly send all your money out on bills. You won't starve to death as long as you have rice and veges, and even though it might suck if the meat goes off, you'll live.

>>319882
Nobody will hire me. There is literally no way for
an unemployed autist to get money except some kind or crime or loaning it from someone.

>>319884
I was also a unemployed autist.
You know how I got money. I got a job.
They didn't start out as good or pleasant jobs, but there is always work for the willing.
That's why I know you are probably limiting yourself or full of shit. You just can't get jobs you want to do. There is tons of shit people don't want to do where they can't be picky about the few willing to do it.
Plus there is literally always labor jobs. They don't give a shit about your background.
If you got a little sense you can use the exp from a labor job to erase work gaps and open up the next tier of jobs like retail, unskilled construction, or fast food.
From there you should have enough cash to invest in yourself with skills and education to qualify for even better jobs. Or if you are comfortable at that level then there is little wrong with chilling there.

>>319886
nah im good

I think we're gambling our youthful time for a retirement that may never come, or come but we're too sick to make much of it. But even if you get rich, what's the point if we're old , our body aches and pains and we don't have the energy to do things with it

Instead of maximising your time, maximise quality time with whatever family you have remaining. Try giving your brother a hug or telling you dad you love him for the first time even if it's uncomfortable

>>319897
This is why being rich is only valuable if you make it before 40 or so.

Nobody cares about becoming a millionaire at 82 but your body aches so much you can barely function without painkillers.

That's why compound interest with small monthly etf deposits is bullshit.
You need millions while you're in your prime, not when you're a decrepit corpse six months away from a heart failure.

>>319900
Brutal truthnuke

>>319886
what sort of labor?

>>319918
Depends on the area and there is a huge variety of kinds of jobs, which is why I used a generic term.

In rural areas there is farm labor, yard crews, shit like that.
In urban areas there is low skill construction laborers, road clean up, and thousands of other random low skill things that most people don't want to do.

Then you got just general stuff like warehouse worker all the way to working on a "honey truck" (aka shit pump truck) and everything in between.

None of this stuff pays all that well, but there is zero barrier to entry. They hire just about anybody. All they ask is that you show up on time, don't get dangerously intoxicated on the job, and at least try to get the work done.

One of my first jobs was pushing around a popsicle cart for a percentage of sells I made.
Also did farm and packinghouse migrant work when I was homeless.
From there I had enough stuff on resume that retail places were super eager to hire me.
Still currently working retail, but only because I have gotten so many raises that the only way I could earn more at a job in my current area is by learning a new trade and paying for training. Which seems like a pain.

the only ways i know of to make money without getting a job is to recycle cans, and welfare neet bux

oh yeah, you could sell blood, plasma, and sperm

>>319921
Your post doesn't apply to 2025 Europe though, even for those shit tier jobs you listed, there are thousands of desperate applicants per open position. The barrier of entry to ANYTHING that pays money is massive.

money to boot

>>319974
There is always option two.
Just lying your ass off to get past low positions with retarded requirements.

>>319974
I don't think that is true.
Apparently there are widespread labor shortages at all skill levels including low skilled and entry-level labor.

https://ec.europa.eu/commission/presscorner/detail/ro/ip_23_3704

>>319900
Unfortunate truth.
If I don't have a rural house with enough money to live off of without much responsibilities by the time I'm 35 I might just rope.
I miss being a NEET especially the freedom, low stress, 0 responsibility aspects.
Turned 29 in spring.
Hope I'll make it.