62% of employees have reduced their short- and long-term savings contributions amid high inflation and concerns about a possible recession. Moreover, 71% of employees said money-related stress has negatively affected their work and personal lives, a 7% increase from 2021.
And while we at Bored Panda don’t have the instruments to change the monetary policy, there is something we can do to help the situation. Have a laugh about it. After all, humor makes everything better, doesn’t it? So this time, we invite you to join us in exploring the subreddit ‘Frugal Jerk.’
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Its 147k members constantly share memes about being poor, often taking things to ridiculously extreme levels to accentuate the painful realities of bills, taxes, and everything else related to personal finances.
“We, the proud few who stand on the cutting edge of frugality. We hold our heads high as we steal toilet paper, shoplift lentils, reuse condoms, syringes, and drink our own piss to save multiple dollars each year,” the people behind the online community write in its about section.
So continue scrolling to check everything out and don’t miss the chat we had about spending and saving with Doug Nordman, who managed to retire at 41 and now runs the website Military Financial Independence and is the author of The Military Guide to Financial Independence and Retirement.
#1 Could Becoming A Murderous Clown Be The Secret To The Ultimate Frugal Lifestyle?
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#2 Saving Money This Christmas
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Nordman told Bored Panda the biggest mistake he sees people make in their early steps toward financial independence is trying too hard.
“Frugality is challenging and fulfilling, and it’s sustainable,” he said. “Deprivation has its uses (paying off credit-card debt) but it can lead to burnout. Strive for work/life balance, lead a quality of life that makes you enjoy the journey, and put your investing in autopilot.”
#3 How To Furnish A Home
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#4 Deli Meat And A/C Are For Fat Cats
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#5 Tip: How To Do Laundry For Free!
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It’s easy to form bad financial habits. For example, a 2021 study found that panic buying transformed into impulsive buying.
The survey of 2,000 online shoppers, commissioned by Slickdeals and conducted by OnePoll discovered that Americans impulsively spend an average of $276 every month. (That adds up to an extra $3,312 spent every year and about $198,720 in a lifetime.)
The most common spontaneous emotional purchases were food and groceries (48%), household items (42%), clothing (40%), and coffee (33%).
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#6 Join The Revolution, Brothers
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#7 Cat Trying To Collect Insurance
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#8 Not A Bad Idea
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#9 It’s The Perfect Crime
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To get rid of these pesky (and often expensive) habits, we need to be mindful about our budgets.
“Start by understanding your spending,” Nordman suggests. “If it’s valuable to you then you’re willing to work for the extra years of life energy to pay for it.”
#10 How To Get Free Grapes
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#11 When The Machines Try To Take Over
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#12 It’s The Thought That Counts ???
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#13 This Guy Understands Us
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“If it’s wasted spending then cut it ruthlessly and invest it in your retirement accounts. Here’s the important part: automate your investing so that it’s a habit you won’t have to decide with every paycheck,” Nordman added.
“You used to be a person who lived only for today. Now you’re the person who’s stacking new habits for a better life.”
#14 I Got Outed As A Fat Cat
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#15 This Genius Has A Good Idea About Keeping Rent Low
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#16 Saving On Graduation Pics
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#17 My Father, Smuggling Cheese Slices Into A Local Burger Joint, Rebelling Against Their $.60 Upcharge… Resist!!!
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It looks like people have been increasingly interested in saving (or earning) an extra dollar. At least on the internet.
For example, membership on the subreddit r/FinancialPlanning grew 87% between June 2020 and 2021 to more than 241,000.
And in the past year, it nearly doubled, reaching 423,000.
#18 This Wendy Person Is Clearly An Elitist Fatcat!
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#19 If You’re Not Part Of The Economic Elite That Can Afford To Flush
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#20 Live Frugal, Die Frugal
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#21 Save A Fortune In Christmas Presents
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For investing-specific conversations and news, over 2.1 million users turn to r/investing. (That subreddit’s membership grew 83% between June 2020 and 2021.)
Then there’s the subreddit r/personalfinance with a whopping 16.6 million-member army that hosts conversations about anything and everything related to spending, earning, saving, and investing.
So there’s much more than memes to discover. Although these are savage, not gonna lie.
#22 Easy Grill
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#23 Imagine Thinking You’re Poor When You Have Four Whole Slices Of Bread!
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#24 I Already Live In A Cardboard Box And Don’t Eat, When Do I Get The Money???
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#25 How To Get Absolutely Hammered (In A Frugal Manner)
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#26 Stickin’ It To Those Goodyear Big-Wigs
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#27 Next Time You Are Visiting Someone’s Home, Try To Get Yourself Alone With Their Toaster. A Great Bounty Awaits You
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#28 Practical Thinking
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#29 5 Dollar Thrift Store Chair. On Mondays Everything Is Half Off So We Got It For $2.50. Upon Bringing It Inside We Found $3.88 In The Cushions. #blessed
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#30 You Know The Vibes
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#31 Our New God?
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#32 The Gods Smile On Me Today
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#33 Found This And Thought It Was Fitting
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#34 Fellers I’m Set For Life! I Found A Beverage With Infinite Servings Therefore Infinite Calories
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#35 Lpt: Peel All Produce Before Weighing To Save $$$ At The Grocery Store
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#36 Today I’m Mortgage Free At 27!
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#37 Look At Mr Fancy Pants Here With Tupperware. I Use Leaves To Carry My Food
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#38 Arrivederci, Suckers! I Just Scored Some Sweet Waterfront Property. Off To Join The 1%!
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#39 Finally Had My New Pool Installed. Nice Knowing You Jerks!
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#40 Holy S**t Guys, This Ice Cream Store Has A Cup Of Sample Spoons Covered In Free Ice Cream Just Sitting There
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#41 Wasteful Fat Cats
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#42 These Crumpets I Found Behind The Tesco Came With Free Antibiotics To Cure My Infection!
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#43 Now Who’s Really Controlling The World??
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#44 Instant Breakfast! Eat That You Fat-Cat Bastards!
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Source: boredpanda.com