how much frivolous money should you keep aside over saving money?

[craigsters]

Is $50 a month enough frivolous money? I plan on saving one hundred and twenty minimal a month for furniture, after I pay rent and, internet and cell service, I have over six hundred for grocery's, city bus transportation and laundry and savings and no credit cards payments at all or ever again, I spend one hundred and fifty a month on grocery's and can make a hundred extra a month running small errands for neighbours, I usually use tips from errands for soft drinks and bread and buns for burgers etc

[craigsters]

Triple G の投稿を引用：

If You get that money basically till the end of Your life, You don´t need savings for things which are somehow job related. Like paying the bills for one or two month without income. Which is a plus.

Then i have no idea how much money You need in Canada. So ultimately it depends on Your priorities. If You have expensive things, or certain goals which cost more than You can afford with Your income You need some savings - and if not You can just go month by month.

What´s the problem exactly anyway?

I had to throw away all my furniture last year because they were infested with bed bugs, my bed bug situation is under control and gone now, my landlord renovated last year and tore out all the carpets outside are apartments and thieve been treating are apartments for bed bugs as well

So I'm sitting on a cheap patio chair with lots of cushions and have no real comfortable furniture what so ever, I'm also sleeping on a air mattress and need to buy a new proper bed eventually too

I was taken in hand me down old furniture from neighbours but there furniture was infested as well with bed bugs, so no thrift store or neighbours furniture ever again!..

[kbiz]

craigsters の投稿を引用：

kbiz の投稿を引用：

The real question is if you can get rid of any of your expenses. Or lower expenses by shopping around.

Actually I already lowered it enough

About 3 years ago I had one of the 2 big internet,phone and cable providers Bell Canada and I had Cable,PVR set top recorder box, landline and internet was costing me over $300 a month bundled package , I got tired of paying that much for 500 time zone multi sports and movie and super channels with nothing on and I kicked out the big provider Bell, money grubbing leeches that they are

I've been streaming channels, started with netflix, and found amazon prime to be better especially with free delivery of amazon store products!..

I only stream amazon prime and Disney+, but cancelled for a few months well I finished up with bankruptcy , I finished up with with bankruptcy fees in April

Good, you can either save by earning more money or by lowering expenses. Always be on the lookout to lower expenses.

Personally, I would save up for unforeseen expenses first - like six months income. Then start saving for your favorite frippery. Never go into debt.

[Devsman]

Depends on your budget and goals. What are you saving for, btw?

I give myself $100/mo right now.

[Ghost Robertson]

Have two saving accounts.

One of mine gives more interest but you lose it if you make a withdraw, The other gives me interest but i can touch it whenever i like.

So the money i want to save goes into one account and the money i can spend in the other, So i get interest on my spending money and if i don't spend it then it can carry over to my next pay day.

[craigsters]

kbiz の投稿を引用：

craigsters の投稿を引用：

Actually I already lowered it enough

About 3 years ago I had one of the 2 big internet,phone and cable providers Bell Canada and I had Cable,PVR set top recorder box, landline and internet was costing me over $300 a month bundled package , I got tired of paying that much for 500 time zone multi sports and movie and super channels with nothing on and I kicked out the big provider Bell, money grubbing leeches that they are

I've been streaming channels, started with netflix, and found amazon prime to be better especially with free delivery of amazon store products!..

I only stream amazon prime and Disney+, but cancelled for a few months well I finished up with bankruptcy , I finished up with with bankruptcy fees in April

Good, you can either save by earning more money or by lowering expenses. Always be on the lookout to lower expenses.

Personally, I would save up for unforeseen expenses first - like six months income. Then start saving for your favorite frippery. Never go into debt.

Before bankruptcy Hudson bay credit card was 29% a month and at $2,900 owed and VISA was $3.900 at 21% interest and then I financed this PC with Dell Canada financial, they tried to get a minimal of $169 rent to own fees over eight years for this PC, after going bankrupt all that went away and I own this PC right out, bankruptcy agency said it's a wright off for Dell and they wont repo it!..

[Triple G]

craigsters の投稿を引用：

So I'm sitting on a cheap patio chair with lots of cushions and have no real comfortable furniture what so ever, I'm also sleeping on a air mattress and need to buy a new proper bed eventually too

Ah okay. I would focus on fixing that first. I mean even if it´s used stuff - if it´s from a shop the furniture has to be okay. The mattress probably has to be a new one. We have some charity stores here - i don´t know if You have something like that there. They give away furniture for little money. Like 10,-€ or so, as they get it for free from people who give it to them, as they also pick it up from the people for free, which is cheaper than throwing it away - but they wouldn´t take stuff which is broken, or had bed bugs, or doesn´t look like one could use it any more...

Perhaps You can get additional aid from some office - it´s perhaps a good idea to inform Yourself about that, if You haven´t already. Like for example that bed...

I would probably also save the frivolous money for the time till You have done this, as it speeds up the process. The upside is: when You´re done with that You don´t need to worry about it for the next years (hopefully). And You have that money also as spare money. I guess You want to live in a somehow nice, or at least okay enough, environment. And with that it´s way easier to enjoy the time. And if You´re into drugs or alcohol - it´s perhaps another good idea to save that money for the time being...

That is what i could say about it. But anyway: i hope that it works out for You - one way or the other... ;o)

[craigsters]

no the patio chair is a cheap plastic one the restaurants use and is weathered from being on the balcony were it should still be and the air mattress is temporary tell I can save for a real bed

I stopped with thrift store furniture and neighbour's old furniture over a year ago the second time I got bed bugs, this was the third time I got bed bugs because I helped dirty tenants with errands entering there apartments, so now I'm picky as to who I'll run errands for and who's place I'll enter when invited!..

[kilésengati]

Triple G の投稿を引用：

craigsters の投稿を引用：

So I'm sitting on a cheap patio chair with lots of cushions and have no real comfortable furniture what so ever, I'm also sleeping on a air mattress and need to buy a new proper bed eventually too

Ah okay. I would focus on fixing that first. I mean even if it´s used stuff - if it´s from a shop the furniture has to be okay. The mattress probably has to be a new one. We have some charity stores here - i don´t know if You have something like that there. They give away furniture for little money. Like 10,-€ or so, as they get it for free from people who give it to them, as they also pick it up from the people for free, which is cheaper than throwing it away - but they wouldn´t take stuff which is broken, or had bed bugs, or doesn´t look like one could use it any more...

Perhaps You can get additional aid from some office - it´s perhaps a good idea to inform Yourself about that, if You haven´t already. Like for example that bed...

I would probably also save the frivolous money for the time till You have done this, as it speeds up the process. The upside is: when You´re done with that You don´t need to worry about it for the next years (hopefully). And You have that money also as spare money. I guess You want to live in a somehow nice, or at least okay enough, environment. And with that it´s way easier to enjoy the time. And if You´re into drugs or alcohol - it´s perhaps another good idea to save that money for the time being...

That is what i could say about it. But anyway: i hope that it works out for You - one way or the other... ;o)

In Germany, there are plenty of Sozialkaufhäuser (social welfare warehouses) and Umsonstläden (give-away shops) that actually sell or gift used products in good condition and pest free. I'm not aware of these things being widespread in North America. It's either the thrift stores, maybe garage sales (including stuff like eBay and Craigslist) or… well… the dump. Maybe there's someone that takes pity or, in a really lucky case, there is a local or regional charity organisation which primary purpose isn't being a tax shelter. Their definition of charity and welfare over there more often than not is just throwing money at a problem for tax breaks and that's about it.
Big organisations that do a lot regarding charity and welfare here in Central Europe, like Caritas, Diakonie, Samaritan Foundation, Knights Hospitaler, St. John's and the Red Cross also don't seem to be that active outside of Central Europe, and if so, only in a rather limited manner.
Europeans and in particular Germans often get trashed for not being very charitable, but yet we have some of the strongest charity-based welfare networks in the world. But a lot of it is also carried by the tax payer.

To be fair, there are furniture banks in Canada, like this one:

https://www.furniturebank.org/

But, of course, their first selling-point to possible donors is that their furniture removal service is sales-tax free. What the actual ♥♥♥♥!!

craigsters の投稿を引用：

no the patio chair is a cheap plastic one the restaurants use and is weathered from being on the balcony were it should still be and the air mattress is temporary tell I can save for a real bed

I stopped with thrift store furniture and neighbour's old furniture over a year ago the second time I got bed bugs, this was the third time I got bed bugs because I helped dirty tenants with errands entering there apartments, so now I'm picky as to who I'll run errands for and who's place I'll enter when invited!..

Have you considered a furniture bank, like this one:

https://www.furniturebank.org/

Not sure how good they are though, but maybe worth checking out. Still better than ruining your back by sleeping and sitting on inadequate furniture all day.

[LQIM]

I always top my checking account up to 100$ for the month, everything else goes towards bills/saving

[Out Of Bubblegum]

I am too cheap to spend frivolous money. I should. I need to. I need to spend my money on something. I just can't.

[Li77lehorn]

Maybe you could try lowering your food expenses slightly. For example, I spend about $30 in your currency and make up a pot of food that would last me 3 days(4 days with bread). And that's fairly healthy food. *And I only drink water(and coffee for breakfast).

*Im not sure what your transport/laundry costs.

[Angel]

It also depends if you need that saved money for something in particular or just for a rainy day I e. You never know when your car my break down or home gets damaged. With furniture, there are ways to save on that area too.

[76561198356019466]

Yeah that's great.
Now could someone hand me another hundred; the fire is getting low.

[craigsters]

Li77lehorn の投稿を引用：

Maybe you could try lowering your food expenses slightly. For example, I spend about $30 in your currency and make up a pot of food that would last me 3 days(4 days with bread). And that's fairly healthy food. *And I only drink water(and coffee for breakfast).

*Im not sure what your transport/laundry costs.

Canada's food prices are inflated and over taxed 13% taxes at the cash at times, owe I only eat once a day already and twice on the weekend or at least Sunday

[Li77lehorn]

craigsters の投稿を引用：

Li77lehorn の投稿を引用：

Maybe you could try lowering your food expenses slightly. For example, I spend about $30 in your currency and make up a pot of food that would last me 3 days(4 days with bread). And that's fairly healthy food. *And I only drink water(and coffee for breakfast).

*Im not sure what your transport/laundry costs.

Canada food is inflated and over taxed 13% taxes at the cash at times, owe I only eat once a day already and twice on the weekend or at least Sunday

I'm not sure how it compares to Australia exactly with certain products. Everything is more expensive here too but luckily not so much with the things I buy. Anyway I would just look into thrifty food shopping and avoid soft drinks and burgers etc.