this post was submitted on 26 May 2026
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I'm going to end up broke in a few months. Give me some tips on reducing the impact. What things can I do in advance? What are things I should know? Give me some financial advice too, if you can

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[–] binaryqueen@programming.dev 2 points 1 month ago

Honestly, I can’t give too much advice but a few things might be very smart:

Buy coupons/gift cards of services beforehand that you’d continue to use in “poverty” and are critical. If you can, reduce fix costs, cancel Netflix and phone contract, use a prepaid SIM. Use cash back systems, some debit cards offer that. For backups rely on free cloud services. No subscriptions that you don’t need. Check prices of everything you’d consider to buy and max out free trial services. You can pay rent upfront for 3 months. There are food sharing apps. I think especially in the US you have lots of coupons that you can use in stores and there are apps to find these. Stay with Amazon prime if you order at least 3 items per months, Amazon can be pretty cheap and reliable. If you can, organize a good water source. Buy pain killers, emergency kit and have stuff ready in case you cannot see a doctor or afford one. If you wear glasses and are short-sighted, buy a few pairs of 1-month contact lenses (if they’re good quality and you treat them correctly you can wear them longer although not recommended), new glasses can be pricey. For job interviews, have clothes ready that you only use for that (don’t use your good perfume if you have one, keep for interviews). If you don’t go out often and you don’t expect visitors, don’t shower too often (saves you money). Get an electrical hair trimmer. If you’re good with repairing stuff (electronics), get some soldering stuff and a cheap all-in-one box of electronic parts. Sometimes if you register a new account you get free stuff, might be worth checking. Give your Uber account some balance in case of emergency. Sell stuff that you really don’t need anymore and use that cash to prepare. If you run Honeygain 24/7 on your computer, after 1.5 months you can cash out and order one or two meals for 20$. If you smoke, roll your own cigarettes or start vaping (the ones you can refill, they’re taxed lower).

Oh yeah, and if you can, find a partner. Sometimes intimacy can get some dopamine back.