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You don't have to be rich to live rich.
By The Quail Bell Crew
Recently the Quail Bell Crew discussed money matters in our super-secret staff Facebook group forum. Unfortunately, being an accomplished poet or painter means nothing in the world of money management. And money is not very smart or motivated. In fact, it's pretty lazy. Where it goes and what it does is largely up to you. Don't expect it to make any decisions by itself. You must be its frugal sage (which sounds scary, but doesn't have to be.)
Here are a few financial tips we exchanged and think you ought to know, too. Admittedly, these tips are a little random, but sometimes the best advice comes out of the blue:
"Don't spend money. Make money. Less effort, greater reward."
"Spend money on experiences rather than unnecessary things (travel, books, etc. instead of dumb shit like manicures)."
"Find a place with cheap produce and don't eat as much meat."
"Make sure your career goals align with the necessity of a college education. If not, then go to vocational school if possible. Take on as little debt as possible."
"If you have a cat, learn how to trim their claws with fingernail clippers. If it's done right, it won't hurt the cat and you won't lose the security deposit on your rental to cat destruction."
"Living at home frees up some money for student loans and life experiences, so if your parents allow it there's no shame in living with them for a bit."
"Thrift stores. Especially ones in small towns since city ones tend to be picked through and overpriced. My favorite "business" shirt came from a thrift store meant for little old ladies on Long Island."
"Set up investment consultations at a couple of banks. Shop around for the best options. Make sure you get an information packet, make notes, and consider your choices."
"For realsies, gotta know the dollar deals—[like where I live in Richmond, Virginia], Monday at Little Mexico is $1 tacos, Tuesday at City Dogs is $1 hot dogs and Wednesday at Little Mexico is $1 enchiladas."
"Do your own hair. Cut it. Dye it. Whatever you want, but do it yourself."
"Don't be afraid to use local buses and subways. A little (internet) research can go a long way!"
"Find a credit union but make sure it's convenient."
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