Introducing the Weekly Earner Series!

Hey there income streamers!

In the past, I’ve usually introduced earning methods at random intervals, depending on when I got around to trying them. Recently I decided you all deserve better! So, from now, I am going to try a different earning method every week. Some I may keep up if they prove worth my time, and some I may drop, but I will definitely give each one a week. In the past weeks, I’ve told you all about Robinhood and apps and websites that let you earn on passive phones and computers. This week, I will be telling you all about my experience with Qmee.

Qmee is a browser extension that rewards you for searching certain terms that its sponsors pay for. You can search on search engines, shopping sites, and more. If you luck out and happen to search a rewarded term, qmee would add a list of rewarded results on the side of your search page, like you can see below:

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Now, unfortunately, this search result didn’t return any rewarded results but simply a discount code. If it were a rewarded result, it’d have something like 6 cents next to it. You simply click the link and browse the resulting page a little bit. Sometimes, they come both as paid rewards and with a discount code, so you can click it and actually get a great deal too!

How much does it pay?

I’ve earned 15 cents pay this week with Qmee, which is far less than what I’ve seen advertised by other users. Maybe they’ve started paying less recently, and they’re focusing more on discount codes. But I already have Honey for getting every discount code when I shop, so I wouldn’t be too engaged with that service.

When can I get paid?

Qmee fortunately has no withdrawal minimum, so you can claim what you’ve earned as soon as possible!

Is it worth the time?

Since its a relatively passive earner, I think Qmee is worth having on your browser. If you’re looking to earn more with Qmee, they do have a survey section, but I prefer to just install it and take the cents it gives me when I get lucky with a search.

Can I turn it into a passive income stream?

It already is! If I can keep up the pace of passively earning 15 cents a week with Qmee I’ll gladly add it to my ever-growing system of income streams.

In conclusion, Qmee is a nice way to earn a few bucks per year, but it is not the high-earning game changer I saw it advertised to be. It seems that I may have missed out on the golden days of Qmee earning, but I’m alright with that given its passive earning status. I would recommend it!

Do any of you have experience with Qmee? What earning methods do you want to see in the future? Is there more information you’d like about these methods? Let me know in the comments!

For more income ideas and inspiration check out @StevesStreams on Twitter!

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How to Handle a Windfall

Hi there income streamers! I’ve been receiving some questions recently about a good problem to have. It appears some of us have been doing a great job earning and saving, and have happened upon an EXTRA chunk of change out of the blue! These surprises can come in the form of a class action settlement, bank bonuses, gifts, inheritances, and more. So what do you do with it?

For the regular Joe the answer is first paying down consumer debt. A guaranteed investment return of 10+%, which is a common interest rate for consumers debt, is a must-take every time. Once that is done, it’s important to establish an emergency fund at some sort of high interest rate bank like Ally. This fund should cover 2-3 months of living expenses. That way, you can achieve some financial stability in the face of uncertain economic times, and this security will aid both performance at work as well as avoiding panic-selling of stocks.

But, for the regulars here, you have done both these things, so the next option can seem like an easy answer: pour it into a retirement account. Every dollar saved is going to be an extra 4 cents of passive income every year and cuts out that much more working time thanks to financial independence. But many of you may have already maxed out your retirement accounts. So what next?

You have a couple options now. The money could go toward a post-tax brokerage account, earning 7% real return that is chopped a bit by a 15% capital gains tax. You could pay down a mortgage, but considering that mortgage interest rates can actually run below inflation, and that their payments can be a net positive when accounting for tax benefits, that may not make sense. A third option would be to invest in your earning potential, either through education and certifications or by starting a business.

Considering the size of the windfall, I think a great first step is to consider the options I present in How to Invest Less Than Fifty Dollars. Spending it on things that can save you money, like replacing lightbulbs or insulating your home, can have a 10+% return, beating pretty much every major form of investment! If your home and car are already running at peak efficiency, though, I think the next step is the third option mentioned above: investing in yourself. Taxes can eat up a majority of the returns on post tax investments, whereas training and certification opens up opportunities for a more satisfying and highly compensating career. If returning to school sounds scary to you, consider paying for just one class to dip your toes in. I’m sure that once you realise no one is judging you, you’ll pursue this savvy and satisying financial step.

To sum up, priorities for investing a windfall should be paying down consumer debt, establishing an emergency fund, maxing retirement funds, spending on cost reduction, career advancement, and THEN considering post-tax investment. This order provides the most stability and highest return.

Do you agree? Would anybody like to brag about their windfalls? Please let me know in the comments!

Fun and Free Activities – the Best Things in Life

Hi there income streamers!

You all know the old saying, “the best things in life are free.” It certainly doesn’t seem that way at times – sports games can cost a week’s worth of work, fancy dinners cost a fortune even before tip and tax, and traveling sometimes seems to be more stress than its worth after checking out airline prices. However, with a little creativity, it’s easy to shift out of the “Spend Money For Fun” mindset. Advertising has convinced us that paying for experiences is the only way to enjoy ourselves – but that simply isn’t true. Here’s some of the things I enjoy most in life, and I hope you can convince your friends or a date to give them a try along with you!

1. Walk in the woods

Connecting to nature is such a calm and meditative experience, and I don’t know how I’d get through the week without it. Check out a forest near you, or for a more intense workout, see if your local national park has a hiking trail. Bringing friends can also make it a great opportunity to catch up!

2. Run

The original sport still does the best job of delivering those sweet endorphins while letting me feel wild and primal – plus it keeps me in great shape! Other sports require equipment and balls and field space, but with running you can just get up and go. Running with friends make the miles fly by and will motivate you to keep on track with your training plan.

3. Play music

This is something not nearly enough people do. Many Native American tribes used to perform music around a fire every night – and now it seems that today’s Americans never participate in music themselves. Sure, they may listen to it plenty, but nothing beats the experience of letting go of your anxiety and singing like a fool. If you already own an instrument, relearn it! If not, I highly recommend borrowing one from a friend and letting them teach you. Its a great, free way to relieve stress, learn a skill, and grow your confidence as you learn to not fear embarrassing yourself. I’ve had plenty of moments failing when performing and I’m so glad I have because I know there’s no consequence when that happens; I simply learn from the mistake and move on.

4. Learn something

Learning alongside others can be frightening – it leaves you vulnerable to failing and looking dumb. Good! Being vulnerable in front of others is the best way to bond with them. It creates memories to laugh on, and it gives you a chance to learn from them if they happen to be successful at the task. There’s plenty of options for skills to learn with others, including a language, a craft like pottery, painting or smithing, a programming language, or a sport, but the most important thing is that whatever skill you pick lets you fail and laugh. Friends can also keep you on track with training and allow you to practice with them, which is particularly useful with language learning.

5. Write

Writing alone or with friends can be a very fruitful experience. I find writing therapeutic, as it allows for self reflection, and I think it can be a great way to slow down and think in today’s fast-paced society. Writing alone can be a great way to think out loud, but writing for others to read both exposes you emotionally (which is a good thing!) and lets you develop your writing skills to engage an audience. Plus, if your friends are writing too, you get to learn more about them through what they reveal! If writing extensively intimidates you, start with short poems or essays, and see if you enjoy it first.

6. Read

The library is the most undervalued resource in society, especially as a social tool. Reading something along with your friends lets you all discuss the books points with each other and can lead to entertaining and fruitful discussions – plus, they may have great recommendations on what to read!

7. Cook

Cooking isn’t perfectly “free”, since someone needs to pay for the ingredients, but I included it here for its minimal cost. Before the days of fast food, cooking was always an intensely social experience as everyone gathered in the kitchen and chatted over chopping vegetables and frying up food. It can be a fun and goofy experience if you’re not experienced, and an impressive and educative one if you or a friend is. Give it a try! If nothing else, do it for a the tasty meal afterward.

8. Volunteer

Working together with your friends or a date is a great way to hang out and talk while also doing something towards a common goal. It shows generosity and can also teach you some skills – I learned the main skills I use in programming by volunteering! If you and your friends/date have a common interest, seek out a cause related to it, and if not see if there’s something you all care about or connect to.

9. Act

This one may seem really intimidating to anyone who doesn’t have a history in theatre – but I don’t either! Acting, like playing music, used to be something common for groups to do and I think it could definitely be a funny and low stakes way to take a risk and try to grow. It allows you and your friends to get in touch with a different character and risk embarrassment – which, like I’ve been saying, is the best way to bond with each other. Risking embarrassment and vulnerability creates memories, builds trust, and allows you to become a more well-rounded person.

10. Visit a piece of strange history

Does your hometown have a quirky feature or footnote that it prides itself on? Well, good news! So does just about every town in America, making this country a great place to go out and learn a little more about a neighbouring place you may be bused to driving by without a second thought. In the Boston area alone I know of hundreds of hidden gems, including abandoned insane asylums, niche museums like the Museum of Glass Blowing in Sandwich, and several historical sites relating to Native Americans, pilgrims, the Irish Mob, and countless politicians. There’s always something interesting to explore with friends or dates if you look hard enough – ask around, or try visiting your local town hall to see if they have a brochure of landmarks in the area.

That’s all I have for now folks – but to be honest, these kinds of activities are enough fun to last me a lifetime. I’ve tried every one and they always end in laughs, memories and a new tidbit of knowledge. And none of them costed me a penny!

Do you guys have any fun, free activities? What’s the best date you’ve ever been on? Have any of you tried these ideas and had a fantastic or terrible experience? Let me know in the comments, and as always, stay earning streamers!

For more funky frugal fun, check out @StevesStreams on Twitter!

Why I enjoy working the weekends

Hi there income streamers! I thought I’d take a break from all of our money saving to talk about some money earning.

I’m currently juggling a full time internship as well as working an hourly job on the weekends. It’s lead to quite a busy summer, but I honestly wouldn’t have it any other way. I get bored when I’m idle! But some of you may be wondering – if I’m earning far more at my internship why am I bothering with weekend work at all?

I’m glad you asked! The first reason is that I have a great community at my weekend job that I’m not quite ready to leave just yet – I have made real friendships over my four years there and my boss treats me well. Second, that extra money each week actually makes a HUGE difference in my life – because it allows me to divorce working for savings and working for spending money.

I haven’t left for college yet, so luckily for me I’m able to live at home still and eat from the family fridge. This means that my only real expense at the moment is going out on the weekend – and the weekend money is more than enough to do that! As a result, I’m able to sock away 100% of my internship earnings, and I’m not even tempted to touch them since it’s in a totally different account than the one my weekend money goes toward.

I have grown fond of this model and plan to use it for a long time. Having one account for fun, and one account for savings, allows me to enjoy myself without worrying about spending while also never being tempted to withdraw from my savings. Once I become independent, I’ll probably set up a third account designated solely for bill paying, but I could definitely see myself keeping up a weekend job and letting myself spend that money entirely on fun. That allows me to keep fun in moderation and also let’s me link that movie ticket with exactly an hour and a half of hourly wages rather than a vague valuation based on a salary.

Do any of you hold side jobs, or designated accounts for fun? How could I earn more on the weekends and possibly start devoting some of that fun money to savings as well? Let me know in the comments!

For more funky financial flow, check out @StevesStreams on Twitter!

Ultimate Penny Pinching Guide Part Two – Transportation

Hello income streamers! Today I’ll be presenting part two in the Ultimate Penny Pinching Guide. Part one, on food, can be found here. Part two tackles transportation!

Transportation is necessary for all of us to function as members of society – but whether that means leaving the house only to purchase necessities, or driving to work every day and taking road trips every weekend, is entirely up to you. Either way, there’s plenty of options for saving on transportation when you do have to get places:

1. Skip the car whenever possible

Taking walks or biking places are some of the lost joys in the modern world. When you choose to walk or bike somewhere, it becomes a deliberate and conscious action and gives you quiet time to think as you travel, contributing to a calm and meditative experience. Second, it’s healthier for you, and burns fat. According to the National Household Survey, 60% of Americans choose to take the car on a trip of a mile or less. That’s a 15 minute walk! I understand that sometimes we have to hurry places, but I’m sure we could all leave the house a little earlier and burn some fat while saving some money for those trips.

If you’re afraid to spend the money on a bike, you can begin with baby-steps of just walking those short trips. I’m sure you’ll soon realise how much more enjoyable life is on the sidewalks. And if you need financial reassurance, the average American drives 13,476 miles. If you purchased a top-of-the-line, excessively expensive bike at $2500 you’d still only have to convert a third of your driving trips to bicycle to recoup the cost in about a year,* and that’s not even accounting for health and environmental benefits. That seems doable to me, and if you search on Craigslist I’m sure you could find an option around $700.

2. If you drive often enough to make paying for a car less expensive than Uber or public transit, purchase a used one.

There is never a reason to buy a car new. Used cars in the 4-6 year age range show the same amount of mechanical issues as new cars, and yet cost far less. The only reason to buy new is pride. For me personally, I’d rather put the 5-10k difference into a retirement account and take pride in reaching financial independence earlier.

3. Consider more costs than the sticker price when shopping for a car

It’s worth considering all the costs involved with a car when comparing prices. Does one car get significantly better mileage? Does one car require fewer repairs? Will one car cost less to insure? If you track your yearly mileage, you could calculate how much the difference in gas consumption will cost you, and see if one car may be surprisingly cheaper although it’s more expensive at the outset.

For me, if I were to purchase a car, I’ve found that a 4-6 year old Prius or Volt would do very well in my measures of gas consumption, repairs and current price. A 2012 Prius would cost me 12k, which probably means I could pay in cash. I’m sure I could get a better deal if I was willing to go back farther in model year, but I’m not interested in buying a car right now given that I’m able to bike or use public transit to get where I want at the moment.

4. Buy in cash

This one’s always seemed simple to me. Who spends more than they have on something like a car? I understand taking out debt for a house, and for an education, given that they’re both necessities and that, with houses at least, its hard to cut costs to a point where saving up and paying in cash makes sense. But with a car, it’d be pretty straightforward to save up 10-15k and purchase a nice, usable car with no more than 50k miles on it. I’d much rather have that and skip paying interest than overspend and get a fancy car with features I don’t need so I can impress people I don’t care about, all while pushing my financial goals further away.

5. Where applicable, skip out on your car’s insurance

So, if you are following logical advice and have decided to become a financial Star in a Reasonably Priced Car, the worst damage you could ever pay for your own car would be totaling it: 10-15k. Ideally, you’ve already saved up to purchase this car’s price once before, so it’d make sense to avoid paying insurance companies to save for you and instead save up about 1.5 times the car’s purchase price and put it in an easily withdrawn fund, like a bond or stock index fund. Insurance companies have to make a profit, so clearly, you must be wasting SOME money on the premium that you pay, when compared to what you would be saving if you socked the money away yourself. And if you can put the money to work and invest it while you wait for disaster to strike, you can end up with too LARGE an insurance fund and actually get to withdraw some money and sock it away towards retirement.

This option isn’t legal in every state, as some states require you to carry insurance. Also, you should definitely purchase insurance for damaging other people’s cars – there are idiot drivers who made idiot purchases on expensive cars all over the place, and it’s not worth it to try and pay for their repairs. But, given that your car is a depreciating asset, you can save a lot if you pay yourself a monthly premium and park it in a fund that makes money rather than letting some company squeeze a profit out of you for not saving up for damages.

6. Carpool!

Carpooling whenever possible allows you to share travel expenses while also giving you a great chance to socialise and bond with coworkers and friends. Carpooling is an absolute must if you drive to work daily, and is also a great way to save the environment!

Some states also offer tax incentives and special highway lanes for carpools. Google around to see if you can gain from this!

7. Work on your own car

In the day of YouTube and public libraries, there is no such thing as “I don’t know how to” – only “I’m too lazy to learn how.” There are countless guides online for every kind of repair, and in the long run investing in repair tools will absolutely save you money on mechanic trips. Many of the tools can also be used for home repairs, and your friends may even ask you to repair their cars for a little cash too!

8. Buy gas gift cards

Last post, I mentioned that you can purchase unwanted gift cards on Raise.com and other sites to save on buying food. The great news is that you can do the same for gas chains!

9. Plan parking ahead of time

Parking can be a hefty hidden expense in a day out – use the site SpotHero to find cheap and free parking near your destination. It may involve a little bit of a walk, but like I already mentioned, walking is a great chance to appreciate your surroundings while you slow down and think.

10. For consistent public transit use, use monthly passes

This one is pretty straightforward. Bust out a calculator, estimate how much you spend on individual transit tickets per month, and see if a monthly pass could save you money.

Those are all the tips I have for now folks. Do you have any ideas on how to save on transportation? Am I wrong about anything? Do you think anyone ever has a reasonable excuse for a 50k car? Let me know in the comments!

* This estimate uses the IRS’s official cost estimate of 55 cents per mile driven. That figure accounts for gas, depreciation, and insurance. 13,476*.55/3 = $2470.

For more money-saving tips and tricks, check out @StevesStreams on Twitter! 

So what are we saving up for, anyways?

Good morning income streamers!

A few days ago I introduced the concept of financial independence and my ambitious plan to achieve it as soon as possible. In the article, it certainly sounds like a wonderful opportunity – the chance to do exactly what you dream about, to pursue passions, and to contribute constructively to the world. But why the hurry? Is Steve just some lazy loser looking to get out of work as soon as possible?

Far from it. Instead, I want freedom to pursue what I find fulfilling, and I want to enable others to do so as well. Here are the general categories I hope to fill my time with in financial independence, if I were to leave my job. If I feel fulfilled at my job I obviously would not leave it.

1. Challenge

I firmly believe that anyone who has the temperament to achieve financial independence would be very bored in a traditional retirement. It takes aggressive goal setting and determination to earn highly while sacrificing luxury, and someone who finds this kind of lifestyle fulfilling will not enjoy filling their days with golf and restaurants. As a result, I am determined to challenge myself, and set goals for myself once I’ve achieved financial independence.

The principal goal will likely be creating my own startup. Innovating companies and technologies drive change in the world and are the number one source of an improved quality of life for everyday of people. Startups are the most constructive way to help people, in my opinion, given that they do not depend on donations like non-profits and don’t foster dependency such as many aid organisations. I hope to devote some time to volunteering and non-profits as well, since I believe there are certain empowering causes like education and counseling, but startups open up opportunities for people rather than giving handouts.

2. Learning

I have always been an eager student, in and out of the classroom, and that will certainly not change once I achieve financial independence. There are many ways to learn, but I will be focusing on three methods.

The first will be daily learning, for skills that require consistent practice. I hope to re-learn the saxophone, a passion of mine that I have let fall by the wayside with school and work taking up so much time. I also hope to devote some time to language learning and writing everyday as I receive great enjoyment from these hobbies and many studies show they are a great way to keep your brain active as you age.

The second will be periods of intense learning, per Tim Ferris’s recommendation in Four Hour Work Week. He takes frequent mini-retirement (which I shall not be doing) of two to three months at a time to focus on mastering one skill. These include adventures in tango dancing, martial arts, and much more. I like the idea of devoting time to learning a skill and accomplishing something in its field over an intense, high-pressure period and I think having recurring short-term goals will keep me active and happy.

Lastly, I hope to learn by travel. I have always been a huge fan of history, and the best way to learn history is to experience the cultures and places that shaped it over time in person. These visits will always be budget-friendly, and I may engage in churning to earn points that could fund much of this travel.

3. Child rearing

This one is relatively self explanatory. By the time I reach financial independence, I hope to have started a family, and the increased free time will be very valuable to a child of mine as I get to use the time to bond and educate.

4. Recreation

I have many recreational hobbies that are happily low-cost, and I hope to see if I can devote more time to each of them once I am financially independent. These hobbies include running, hiking, mountaineering and the musical pursuit mentioned above. It would be great to have more time to spend in nature and pushing my body to the maximum, and I would always be open to trying new hobbies as well.

That’s all I have planned for my days of freedom. Luckily, I get to enjoy many of these pursuits today, even with a job! I like to approach financial independence following an old saying: “Build the life you want, then save for it.” I’m not putting these pursuits on hold, but rather making them part-time passions that I hope to grow into full time ones once I reach financial independence.

What do you all plan to do once financially independent? Do you have any hobbies or experiences you think I should try out? Let me know in the comments!

Check out @StevesStreams on Twitter for nuggets of financial wisdom!

Ultimate Penny Pinching Guide Part One – Food!

And now, for the series of posts you’ve all been waiting for – the Ultimate Penny Pinching Guide! I will be posting daily on general categories of spending that I bet us income streamers can spend less on – freeing up more capital for more income streams!

Today’s category is food. The interesting thing about food is that it is possibly the most flexible area of non-luxury spending. Everybody has top eat, but eating can me one bowl of ramen a day (which is RIDICULOUSLY unhealthy and won’t even save you money in the long run) or you could chow down on caviar and lobster every night. As such, it’s a great place to begin this series as I firmly believe very reader can gleam at least one money-saving strategy.

Without further ado – let the saving begin!

1. Eating out should be a luxury, not a necessity

I’m not going to begin this post by telling you all to swear off restaurants – that’d be silly, and a good steak can be one of the finest joys in life. However, the average American definitely takes these joys to excess – spending $3008 annually on restaurant food, according to the Bureau of Labour Statistics. If we could lower that spending down to one nice dinner out a week, or about $1300 annually, investing that $1700 saved would lead to $26832 in inflation adjusted savings every decade, and we’d probably be a lot healthier too!

2. When you do eat out, make it count

The above calculations presume you’re going to spend $25 on your meal – which is quite the nice steak for one person! To really get the most bang for your buck, it’d make sense to switch up restaurants every week and shop around. I’ve found that local, Mom and Pop restaurants can serve meals costing $10 that out-do the Five Star ones in my area. Furthermore, if you’re eating out at national chain, chances are you can most likely buy a gift card to that restaurant at a discounted rate – sites such as Raise allow people with unwanted gift cards to sell them to people like you!

3. You are bringing lunch to work, aren’t you?

Like I said, one $25 meal out a week could lead to enormous savings in the long run – but I’m really hoping you’re not squandering that $25 on a Subway meal at work every day! Preparing your lunch the night before can allow you to have far nicer meals for much cheaper – and consciously picking out what you’ll eat will likely help you make healthier choices, too.

4. Take advantage of free food!

Free food offers abound thanks to company promotions, and so long as you don’t make it a habit to visit the restaurants that offer them, it could allow you to score some free meals and stretch your food budget a little farther. Check if the restaurants you visit have email clubs, as these often come with welcome meals or birthday meals. Second, check out TubularJohnny’s website freefoodguy.com. A lot of his tips help me out when I’m craving a treat but don’t want to break the bank, and there’s something satisfying about hunting around for a good free meal and striking upon one.

5. Coupon!

Now that we’ve cut out the easy fat in our food budget – eating out – it’s time to see what we can shave off the grocery budget. The first step to saving money on groceries has always been and will always be couponing. A good place to start is your local newspaper, but if you would like to shop around from the comfort of your computer, there’s plenty of options:

Couponing sites like the Krazy Coupon Lady, Passion for Savings, Hip2Save, and SheSaved present deals in an engaging blog format, while RetailMeNot and MoneySavingMom allow you to search by product and store for specific coupons in their database. Browser add-ons like Honey can programmatically search for coupons when you’re shopping online.

6. Earn money back for your shopping

Making money to shop is a great way to reimburse your grocery purchases, and there’s a million ways to do it. The most well-known is mystery shopping, where companies will pay for your products in exchange for you buying them and reporting on your shopping and usage experience with the product. However, I have found few food-related offers in this area.

The other option for this is using phone apps that pay you back for sharing information about your experience with a product. Cashback apps like Ibotta will reimburse you for purchasing advertised products, while receipt scanning apps like ReceiptHog will pay you for sending a photo of your receipt, which allows them to gather information on which products are frequently bought together.

7. Shop for nutritional value per dollar

Lastly, a simple approach to saving money on food could be “Buy ramen in bulk and suck it up,” but study after study shows that ramen leads to metabolic and cardiac issues, which will be VERY expensive to treat (and also painful and dangerous, evidently). Instead, savers should look to buy foods with some of the best nutrition to price ratios. Rice, beans, lentils, lettuce, potatoes, water, and bananas all provide much more nutrients than pre-processed foods and sugary drinks and tend to be a fraction of the cost. Add in a few spices and you could prepare nice East Asian revolving around rice and lentils, or traditional Irish ones to enjoy those nice ‘tatoes. If you MUST have meat in there, which tends to be a very expensive food compared to its protein and vitamin content, fish and white meats are at least less expensive per gram of protein – and are less likely to lead to cardiac issues and various types of cancer.

8. Use a reusable water bottle

Alright, guys. I tend to be pretty gentle with my suggestions on this site – “Consider purchasing…”, “Try out…”, “Look at…” are my go-to lead offs. But I’m going to be blunt with this one.

Buy. A damn. Reusable bottle.

Bottled water costs 2000 times as much as tap water per milliliter. Bottled water is murdering our environment needlessly. And reusable bottles are super, super cheap. This would be a great place to invest that Amazon money you’re making from the phone and laptop earning I talked about a few days ago – it’ll definitely save you money in the long run, and prevent me from punching you in the face for using bottled water.

Phew! Do you have any other methods for saving money on food? How are you going to use these savings? Am I being too aggressive about the bottle thing?

(But really. Please get a reusable bottle).

That’s it for now, and look forward to a guide on saving money on transportation tomorrow. As always, stay earning streamers!

For more wonderful works of monetary magic check out @StevesStreams on Twitter

Part Two can be found here!