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XUL
OTD Janitor



Registered: 03/16/05
Posts: 28,261
Loc: America
Last seen: 4 years, 2 months
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The Frugal Person
#19284238 - 12/16/13 02:33 PM (10 years, 1 month ago) |
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All you frugal people, you cheap bastards, and you poor people - how do you save money? And how do you make it in the world?
Recently I took a loss in hours at work and as a result I will have to cut back on some spending so that I can still afford to go to college. Even if it is just small expenses here and there.
- I keep my heat at 58 now and warm my room with an oil radiator. My electric bill is usually $15.00. I bought a $10.00 robe at K-mart and it keeps me warm as hell too. I think I could turn my heat down to 55 and save a few bucks.
-I do a pretty good job off keeping electronics unplugged and lights turned off around the house. One thing I can do is start to unplug my laptop from it's power source more frequently. Using the laptop's battery power could save me a few bucks in the long run.
-I don't have cable or any kind of TV.
-I could flush the toilet only when I need to take a crap which might save my water bill a tiny bit. I could also take shorter showers.
-Now with a cut in pay I also become eligible for food stamps which might make up the difference in my loss of pay.
-I could buy cheaper food.
-I could cut back on general expenses and grass.
What else do you fellows do to save a buck?
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TRUMP 2020
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infected_2

Registered: 08/09/11
Posts: 844
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Re: The Frugal Person [Re: XUL] 1
#19284880 - 12/16/13 04:36 PM (10 years, 1 month ago) |
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- If times are really hard start lifting toilet roll and condiments wherever you can. Pilfer anything you can, stationary or paper needed for college.
- Take any opportunity for a free meal i.e. any silly work functions as long as theres a buffet, visit the folks or friends if possible without making it obvious your scrounging.
- Walk or cycle anywhere you need to be, keeps u fit, warm and costs nutin.
- Cheaper recipes, slightly smaller portions, bulk buying pasta/rice. Dropping a few pricey ingredients such as meat etc. will all help.
Start cooking bulk and freezing portions to be reheated. Soup is good for this. Freeze in bags and you have perfect sized portions that'll keep you going at little cost.
- Check out the reduced aisles if you have them or go shopping when shops are marking down the end of day stock such as bread and stuff.
- carefully think about your daily work routine and trim any costs, ie the morning coffee, lunchtime treat. It's the small work related costs that really impact you because it's daily.
- Switch to drinking water altogether. It's better for you and costs nothing. Bottle water in work if you've costs for that at home in ur area.
- Only ever carry just what cash you need for the day so you can't spend anything more than you intended.
If you trim out all unecessary costs and make do with what you have you'll at least survive until times are better. Food may be your biggest expense, don't starve but rethink what and how you eat.
Goodluck dude!
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ChinChiller



Registered: 07/03/10
Posts: 3,270
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CRV in my state makes a lot of poor people money. Literally hispanics/other minorities from the east will travel to the western parts of Los Angeles on trash days to dig through it and get all the crv bottles and cans. I also know people that do that themselves, especially if you throw big parties you can make bank.
When I was younger and living with my grandfather in Finland the equivalent of CRV is 20 euro cents (Socialism baby) for each plastic bottle. He ran a pub/ nightclub, so there were trashbags full of Finnish energy drink bottles. I would make at least 30 euros per run and I would back up the line for the recycle machines haha
Edited by ChinChiller (12/16/13 04:42 PM)
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XUL
OTD Janitor



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ManianFH
living in perverty


Registered: 07/06/04
Posts: 14,741
Last seen: 7 minutes, 16 seconds
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Re: The Frugal Person [Re: XUL]
#19286939 - 12/17/13 02:36 AM (10 years, 1 month ago) |
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i live with my parents, and pack my lunches for work. I also quit drinking, smoking, coffee, and doing drugs. the money saved from not buying alcohol alone is ridiculous. weekdays i spend playing computer games and at the gym. weekend i spend with my chick.
spend about $600/month on food, gas, bills, and some fun here and there. the other $2400 goes into my bank account. would be nice to live like this with an 80k/year job, i would be wealthy in 10 years.
-------------------- notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... " ChrisWho said: "It's all about the journey, not the destination."
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Icelander
The Minstrel in the Gallery



Registered: 03/15/05
Posts: 95,368
Loc: underbelly
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Re: The Frugal Person [Re: XUL] 1
#19289023 - 12/17/13 02:58 PM (10 years, 1 month ago) |
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Hey I'm proud of all you frugal types. I did it my whole life and one day woke up with a lot of money and basically haven't worked a day since I was 55 and I'm almost 61 now. I never made more than 25 grand in a year and often much less. I did get some inheritance that put me over the top late in life but anyway keep going guys. You are the cream of the crop imo.
-------------------- "Don't believe everything you think". -Anom. " All that lives was born to die"-Anom. With much wisdom comes much sorrow, The more knowledge, the more grief. Ecclesiastes circa 350 BC
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ChinChiller



Registered: 07/03/10
Posts: 3,270
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Re: The Frugal Person [Re: Icelander]
#19289920 - 12/17/13 06:18 PM (10 years, 1 month ago) |
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Quote:
Icelander said: Hey I'm proud of all you frugal types. I did it my whole life and one day woke up with a lot of money and basically haven't worked a day since I was 55 and I'm almost 61 now. I never made more than 25 grand in a year and often much less. I did get some inheritance that put me over the top late in life but anyway keep going guys. You are the cream of the crop imo. 
Thats awesome! I can't wait for that moment in my life, but what makes me feel the worst is knowing my parents who are now 58 and 60 will probably be working with no end near in sight because hanging onto and eventually losing the house they bought 5 years ago. Soon after buying my dad lost his job because BofA didn't want to give out performance bonuses to a FOREX office that made record money for the bank. Now he sells cars.
Edited by ChinChiller (12/17/13 06:20 PM)
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Icelander
The Minstrel in the Gallery



Registered: 03/15/05
Posts: 95,368
Loc: underbelly
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Can they do a reverse mortgage or are they still paying. At their age they should have enough for retiring no matter what. But unfortunately most people are not frugal during their most productive years. Those were the years I was being most frugal and socking it away in interest bearing investments. By the time I was getting with 20 years of retirement I was able to pay cash for a home and never made an interest payment. I lived in group houses or really cheap single housing until I had that and I'm so glad I did. Plus some of those group situations were more like a family than I ever had growing up at home. It was fun. I really didn't do anything painful to get to this place. In fact it made everything interesting and challenging. I took it as a life challenge and I fucking won. It's one of the things I'm most proud of. I feel very lucky.
-------------------- "Don't believe everything you think". -Anom. " All that lives was born to die"-Anom. With much wisdom comes much sorrow, The more knowledge, the more grief. Ecclesiastes circa 350 BC
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ManianFH
living in perverty


Registered: 07/06/04
Posts: 14,741
Last seen: 7 minutes, 17 seconds
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Re: The Frugal Person [Re: Icelander] 1
#19290252 - 12/17/13 07:32 PM (10 years, 1 month ago) |
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awesome story icelander! whats up man!!
-------------------- notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... " ChrisWho said: "It's all about the journey, not the destination."
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Icelander
The Minstrel in the Gallery



Registered: 03/15/05
Posts: 95,368
Loc: underbelly
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Re: The Frugal Person [Re: ManianFH]
#19291252 - 12/18/13 12:16 AM (10 years, 1 month ago) |
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old age is up. I ran my race and I'm limping up to the finish line.
-------------------- "Don't believe everything you think". -Anom. " All that lives was born to die"-Anom. With much wisdom comes much sorrow, The more knowledge, the more grief. Ecclesiastes circa 350 BC
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PDU
travel kid vs.amerika



Registered: 12/03/02
Posts: 10,675
Loc: beautiful BC
Last seen: 8 years, 4 months
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Re: The Frugal Person [Re: Icelander]
#19292610 - 12/18/13 09:57 AM (10 years, 1 month ago) |
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I am proud to be frugal in many ways;
-always turn off the lights, weather strip the windows, mindful of heat use (although my utilities is included at present!) -Thrift shop/craigslist - always shop for a bargain, and price match, buying online some of the time. -Drive used vehicles. -We buy bulk dried beans, peanut butter (peanuts), flour, hemp protein, etc. -We also make our own rice and/or almond milk. -I bought out my phone instead of having a contract and consequently have a plan that is roughly 50% cheaper than i would have been bound to a contract.
-Plan meals ahead, and try to buy with minimal packaging. -We make whatever we can, from dinner, to jam, to clothing and furniture (small scale.) -If i had to buy cable, i would go without. No landline. -Drive as little as possible, ride my bike. -We basically do not go out. -When we move out of the city we will garden, and preserve the food we harvest. -I would like to raise chickens again (for eggs.)
-Tax smart living too - Before I was narrowly over a medium/high tax bracket and was being taxed to hell, and consequently paying out MONTHS worth of earnings in taxes/deductions/medical. -NOW, I am low income and will be nearly tax free and will receive tax supplements and health care supplements, saving me a huge percentage of the money I earn.
I (we) make next to nothing - decent wage, but minimal hours as we do some upgrading. We both have around $7000 invested in silver/mutual funds/rrsp and continue to save. In my case, I am living pay cheque to pay cheque but am looking towards purchasing a mobile home (or something) in the next year or 2, with the assistance of my family.
Not drinking, not smoking, not doing drugs, not eating out, not buying coffees or other indulgences really helps save the $$. We have a very high quality of life considering our gross monthly earnings and rate of rent.
Where you place your priorities - we observe virtually everyone around us spending foolishly and working more/stressing more to afford it all. In my experience, planning ahead pays dividends.
Top priorities = food security (grow your own) and owning a modest home ASAP. Everything else is just foolish expenditure (at this point.)
Use your debt wisely, don't pay interest!
(That said, i spend alot of money on cycling and other related sport related equipment. )
-------------------- GO OUTSIDE.
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XUL
OTD Janitor



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Re: The Frugal Person [Re: PDU]
#19293075 - 12/18/13 12:16 PM (10 years, 1 month ago) |
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Nice one PDU.
You are a pretty wise man when it comes to living.
I am getting better at it too. It's funny that you speak of mutual funds. My father is trying to convince me to set one up. I think I am going to.
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Amphibolos
Le bourgeois gentilhomme




Registered: 05/22/09
Posts: 626
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Quote:
infected_2 said:
- If times are really hard start lifting toilet roll and condiments wherever you can. Pilfer anything you can, stationary or paper needed for college.
- Take any opportunity for a free meal i.e. any silly work functions as long as theres a buffet, visit the folks or friends if possible without making it obvious your scrounging.
- Walk or cycle anywhere you need to be, keeps u fit, warm and costs nutin.
- Cheaper recipes, slightly smaller portions, bulk buying pasta/rice. Dropping a few pricey ingredients such as meat etc. will all help.
Start cooking bulk and freezing portions to be reheated. Soup is good for this. Freeze in bags and you have perfect sized portions that'll keep you going at little cost.
- Check out the reduced aisles if you have them or go shopping when shops are marking down the end of day stock such as bread and stuff.
- carefully think about your daily work routine and trim any costs, ie the morning coffee, lunchtime treat. It's the small work related costs that really impact you because it's daily.
- Switch to drinking water altogether. It's better for you and costs nothing. Bottle water in work if you've costs for that at home in ur area.
- Only ever carry just what cash you need for the day so you can't spend anything more than you intended.
If you trim out all unecessary costs and make do with what you have you'll at least survive until times are better. Food may be your biggest expense, don't starve but rethink what and how you eat.
Goodluck dude!
It's mostly what i do, since i have been dead broke for 1 year now.
I lift rolls of toilet papers so i dont have to buy them. There is an anarchist collective that give food 2 days a week at the university, so i help them cook in the morning then i take a portion for 2 meals.
I buy food in bulk from a buying cooperative where individuals gather together to pool their money and obtain better deals.
We cook 1 time a week in the basement of a bar with food donations. We cook food for the bar's events and the bar let us use their kitchen.
I also go dumpster diving in my surrounding area, but there is now only one spot that dont lock their bin. But its still this.
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"Homo sum ; humani nihil a me alienum puto"
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XUL
OTD Janitor



Registered: 03/16/05
Posts: 28,261
Loc: America
Last seen: 4 years, 2 months
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Quote:
Amphibolos said:
Quote:
infected_2 said:
- If times are really hard start lifting toilet roll and condiments wherever you can. Pilfer anything you can, stationary or paper needed for college.
- Take any opportunity for a free meal i.e. any silly work functions as long as theres a buffet, visit the folks or friends if possible without making it obvious your scrounging.
- Walk or cycle anywhere you need to be, keeps u fit, warm and costs nutin.
- Cheaper recipes, slightly smaller portions, bulk buying pasta/rice. Dropping a few pricey ingredients such as meat etc. will all help.
Start cooking bulk and freezing portions to be reheated. Soup is good for this. Freeze in bags and you have perfect sized portions that'll keep you going at little cost.
- Check out the reduced aisles if you have them or go shopping when shops are marking down the end of day stock such as bread and stuff.
- carefully think about your daily work routine and trim any costs, ie the morning coffee, lunchtime treat. It's the small work related costs that really impact you because it's daily.
- Switch to drinking water altogether. It's better for you and costs nothing. Bottle water in work if you've costs for that at home in ur area.
- Only ever carry just what cash you need for the day so you can't spend anything more than you intended.
If you trim out all unecessary costs and make do with what you have you'll at least survive until times are better. Food may be your biggest expense, don't starve but rethink what and how you eat.
Goodluck dude!
It's mostly what i do, since i have been dead broke for 1 year now.
I lift rolls of toilet papers so i dont have to buy them. There is an anarchist collective that give food 2 days a week at the university, so i help them cook in the morning then i take a portion for 2 meals.
I buy food in bulk from a buying cooperative where individuals gather together to pool their money and obtain better deals.
We cook 1 time a week in the basement of a bar with food donations. We cook food for the bar's events and the bar let us use their kitchen.
I also go dumpster diving in my surrounding area, but there is now only one spot that dont lock their bin. But its still this.
What is the name of the collective?
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TRUMP 2020
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Amphibolos
Le bourgeois gentilhomme




Registered: 05/22/09
Posts: 626
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Re: The Frugal Person [Re: XUL]
#19298122 - 12/19/13 01:52 PM (10 years, 1 month ago) |
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Le collectif de minuit, its a small group at my university. We are composed of students mainly, but some foreigners also helps us.
The food is cooked off campus from what we find in the dumpsters, we then give out the prepared food on the campus (mostly vegan) in exchange of a voluntary monetary contribution so we can increase our supplies with tofu, couscous, rice, etc.
It is a nice initiative, this way, we are able to feed approximately 90-120 students 2 times a week. They pay between nothing to 5$ for a meal. Which is alot less than what Sodexo is charging them.
The initiative was created to protest against the monopoly of Sodexo in the food distribution of the campus.
Short video (in french) of what it looks like
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"Homo sum ; humani nihil a me alienum puto"
Edited by Amphibolos (12/19/13 01:59 PM)
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Patlal
You ask too many questions



Registered: 10/09/10
Posts: 44,797
Loc: Ottawa
Last seen: 3 hours, 19 minutes
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I want to be frugal as fuck, but I have roommates and I can't stop them from using the oven, taking long showers etc.
I'll apply pretty much everything this thread says once I finally live alone
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filthyknees
no coincidence



Registered: 03/08/13
Posts: 6,283
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Re: The Frugal Person [Re: XUL]
#19325055 - 12/25/13 10:17 AM (10 years, 1 month ago) |
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great thread thanks for posting
-each sunday I make up tubberwares of brown rice and red beans to eat during the week -I eat a nutrient dense breakfast keeping me from compensating by over-eating(wasting money) later (youtube: green drink kale) (I use a bullet-type blender) -I keep a water bottle to keep from over-eating (most foods are water-by-proxy) -I eat green vibrance supplement to get much of my daily nutrient requirement (especially b-12 because one scoop is 2000%DV and being vegan it helps me) $70/90 days/scoops -I leave my debit card at home to avoid making knee-jerk purchases -The money I do spend I attempt to invest in something that will make a return - http://www.shroomery.org/forums/showflat.php/Number/19320236 -I do not go to the gym, I use body weight exercisers saving ~$40/month ($500/year including gas to travel) -I do not have netflix/hulu/cable/xboxlive/ect
-------------------- But if you're in a hurry, and really got to go If you're in a hurry, might have to find out slow That it's one thing to try and another to fly You get there quicker just a step at a time It's one thing to bark, another to bite The show ain't over till you pack up at night
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XUL
OTD Janitor



Registered: 03/16/05
Posts: 28,261
Loc: America
Last seen: 4 years, 2 months
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Re: The Frugal Person [Re: Patlal]
#19326522 - 12/25/13 06:53 PM (10 years, 1 month ago) |
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Quote:
Patlal said: I want to be frugal as fuck, but I have roommates and I can't stop them from using the oven, taking long showers etc.
I'll apply pretty much everything this thread says once I finally live alone
Alas,
I know the feeling.
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TRUMP 2020
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XUL
OTD Janitor



Registered: 03/16/05
Posts: 28,261
Loc: America
Last seen: 4 years, 2 months
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Quote:
Amphibolos said: Le collectif de minuit, its a small group at my university. We are composed of students mainly, but some foreigners also helps us.
The food is cooked off campus from what we find in the dumpsters, we then give out the prepared food on the campus (mostly vegan) in exchange of a voluntary monetary contribution so we can increase our supplies with tofu, couscous, rice, etc.
It is a nice initiative, this way, we are able to feed approximately 90-120 students 2 times a week. They pay between nothing to 5$ for a meal. Which is alot less than what Sodexo is charging them.
The initiative was created to protest against the monopoly of Sodexo in the food distribution of the campus.
Short video (in french) of what it looks like
Cool. Thanks.
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TRUMP 2020
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iarphairc
Stranger Danger



Registered: 06/26/09
Posts: 400
Last seen: 9 years, 8 months
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Quote:
Amphibolos said: Le collectif de minuit, its a small group at my university. We are composed of students mainly, but some foreigners also helps us.
The food is cooked off campus from what we find in the dumpsters, we then give out the prepared food on the campus (mostly vegan) in exchange of a voluntary monetary contribution so we can increase our supplies with tofu, couscous, rice, etc.
It is a nice initiative, this way, we are able to feed approximately 90-120 students 2 times a week. They pay between nothing to 5$ for a meal. Which is alot less than what Sodexo is charging them.
The initiative was created to protest against the monopoly of Sodexo in the food distribution of the campus.
Short video (in french) of what it looks like
That is so fucking cool!! I actually can't get over how brilliant that is...From Ireland, Keep it up! How did ye go about setting it up out of curiosity.
Oh and great tips guys
-------------------- The secret of freedom lies in educating people, whereas the secret of tyranny is in keeping them ignorant- Maximilien Robespierre
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Amphibolos
Le bourgeois gentilhomme




Registered: 05/22/09
Posts: 626
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Re: The Frugal Person [Re: iarphairc]
#19331902 - 12/27/13 06:41 AM (10 years, 1 month ago) |
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Its not my initiative but rather a group initiative that was implemented before i joined the university. As i said, the primary goal of "Le collectif de minuit" was to protest about the monopoly of a french multinational company in the food distribution instances of the university.
The students at that time wanted a reappropriation of the means of food production and distribution by the students. Thats basically what the collectif is.
The core of the collectif (6-7 persons) are students of the faculty of social science. Primarily, in the programs of sociology and anthropology.
Every semester, one person from these programs or sympathizers like myself (faculty of science) choose to be the " first coordinator" that will make sure that there are people to do the necessary tasks for the collectif to work:
- Before we start cooking, we need a place to do so, because it is prohibited to produce food on the campus. We normally cook in the basement of a friendly housing cooperative
- Finding a food source: Donations or dumpster diving. This is done the night before the day of the distribution
- Actual cooking, the volunteers improvise a meal depending on which type of food the people managed to find. Those people also need to clean the basement when done
- Transportation: since we cook for alot of people, we have a huge stock pot (marmite) to transport the food. Someone with a car will usually transport the food to the university, so it is there by 11h30 am
- Meanwhile, people are preparing the tables, the dishes, and the places to wash the dishes
- Distribution: People give food for the hungry students! We put a box for the monetary contributions. WIth those we can create more complex meals by the time the semester advance. The people distributing are also responsibles of recruiting interested students to increase our sphere of influence and lower the work charge of the core members.
The next week, another person choose to be the "coordinator" and make sure the tasks are fulfilled...etc..etc
Everything is set by a mailing list, everyone choose a task and does it. Like i said, they were able to run the collectif with only 7 persons. But it was a tremendous task. Nowadays, between 15-25 persons gravitate around the collectif as volunteers.
I typed this in a hurry, i hope it does make sens. For more ideas of organization, look at the "food not bombs", the founders were really inspired by these movements.
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"Homo sum ; humani nihil a me alienum puto"
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Myco_Militia
Farmer
Registered: 11/08/12
Posts: 108
Loc:
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We collect multiple copies of each newspaper whenever we can. That allows us to find coupons and clip several copies of each so we can bulk up on items we already buy. Between that and buying generic brands we can probably save over 50%.
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ViscousGoo
sketch as fuck

Registered: 12/31/13
Posts: 136
Loc:
Last seen: 9 years, 5 months
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I get all my food/clothes from various closeout/overstock outlets, liquidators, etc. this allows me to get good quality stuff dirt cheap.
whenever Im looking for tools, consumer electronics, etc I check ebay first. you can often find things there for 1/10 the price directly from China if you're willing to wait a month for it to arrive.
when I travel I sleep in the car rather than wasting money on a hotel room...but I still go to the free hotel breakfast.
you can basically get a free breakfast every day of the week, just make sure to switch up the hotel you go to so they dont catch on. dress professionally, dont come in there looking like a homeless person.
as others have said Ive completely cut out drinking, smoking, going out, gamgling, etc.
I am CONSTANTLY looking for things to buy and resell. If I know I can flip it, I buy it. Often people will have something sitting around they dont want and dont know how to get rid of it...I offer to buy it off them and then sell it. The only thing Ill spend money on really is stuff I can resell.
never turn down an opportunity for free food, whether it be a party, art gallery, work function, whatever...if there is food Im there.
If someone doesnt want something I take it...dont care if I need it or not, someone might and they will probably pay for it. Im always checking dumpsters and asking people when they move if they have anything they dont need. Ive got a storage unit full of this stuff.
I take all my showers at the gym. have a 10 dollar monthly membership and it saves me money in the long run.
space age synthetic fabrics do not get dirty as easily as natural fabrics...by wearing these synthetic fabrics I can go weeks without washing them and they dont look/smell all that dirty
coins go into a jar and that jar to the coinstar....when I go to the coinstar I pick the option for the amazon gift card because you get ALL the money and they dont take a percentage out. on amazon I purchase various things Ive been needing anyway.
layer up before turning up the heat
utilize coupons,
the only time I really go out for food is to a buffet and Ill get like 3-4 plates, to the point where it's uncomfortable to eat much more. order water for a drink, that's where they get you
always sign up for the little club card things at any grocery store or other place that offers them...utilize the points.
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ManianFH
living in perverty


Registered: 07/06/04
Posts: 14,741
Last seen: 7 minutes, 17 seconds
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I do like showering at the gym as a way of saving the water/heat bill. Plus u get a workout in there as well.
Certain banks have coin-redemption machines without a usage charge. Then youre getting physical cash back which i prefer. I dont know if i mentioned this previously but use a miles rewards credit card if you can. I pay all my utilities through this card and after a year its usually enough to get a free roundtrip ticket, etc.. Plus you build your credit.
-------------------- notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... " ChrisWho said: "It's all about the journey, not the destination."
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XUL
OTD Janitor



Registered: 03/16/05
Posts: 28,261
Loc: America
Last seen: 4 years, 2 months
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Re: The Frugal Person [Re: ManianFH]
#19352291 - 12/31/13 06:50 PM (10 years, 30 days ago) |
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Yo thanks for all the replies guys. I am looking ahead and money is going to be scarce for me. I am definitely going to use a lot of these ideas.
Thanks!
shroomery!
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TRUMP 2020
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