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Ballin' On A Budget, 101

Think of this as the crash course on budgeting for men. All it takes is a bit of planning, prioritization, and discipline, but don’t get too discouraged by that. It’s a relative thing, and if I can do it, you sure as hell can do it too. So let’s get down to business, let’s talk about ballin’ on a budget.


Stop Eating Out


No, I’m not talking about that type of eating out; when you’re ballin’ you’ll be doing plenty of that, but this is about eating out at restaurants or fast food joints. This is one of the biggest wastes of money for a man, as the prices often appear cheap, but in order to fill our ravenous appetites we end up spending quite a bit of money. Fast food joints will fill you up with a bunch of terrible food with very little nutritional quality, so if you’re trying to get in shape, it’s pretty hard to do so if you’re eating out at fast food restaurants. A high quality meal with vegetables, lean meat, and a source of carbohydrates can easily be purchased for under five dollars, but five dollars at a fast food restaurant doesn’t get you far. Hell, half of that will be spent on a large drink at most fast food restaurants, which brings me to my next point.


If you do eat out at restaurants, skip out on the drink. These drinks cost pennies, yet they cost upwards of two dollars at times. It might seem like an insignificant amount of money, but this does add up quite quickly. Two dollars per day for a full month adds up to $60, and that $60 could easily be spent on something more baller than a fucking soda.


Buy in Bulk


Since you’re hopefully going to follow the aforementioned advice, you will be hitting up the grocery store more often for food. Buying in bulk can save you huge amounts of money, and help you fit your groceries well within your budget. Nearly any item of food can be bought in bulk, so if you have sufficient fridge, cupboard, or freezer space, stock up on it. It might not seem like much, but one of the key aspects of budgeting is doing a lot of small things that add up. There isn’t one miracle fix for having a budget, but there are different things you can do to help reduce your costs, allowing you to ball out harder than ever before. So next time you see that box of frozen chicken, check out the bigger box. Most grocery stores will provide the price per ounce right next to the price, so just compare the numbers! You’ll be surprised at how much you can save by buying in bulk.


There are specialized stores that deal exclusively in bulk, but if you are a bachelor or someone living on their own then this might not be worthwhile. These stores usually have membership fees, and unless you’re buying a large volume (ie: someone with multiple roommates), it probably isn’t worth it. Take the minute to do the math, however, because it might be worthwhile.


Slow Your Roll


Just because something is on sale, it doesn’t mean that you need it. This is a common trick by stores to get you to purchase things that you don’t actually need. Ask yourself if it’s something that you would buy even if it wasn’t on sale before you make that purchase. If it is something that you would buy at full retail price and it’s on sale, then you’re on your way to ballin’ on a budget. If it’s not something you would buy at full price, think long and hard about it. Take a minute or two to think it over; the sale isn’t going anywhere that fast.


Shop Online


Nearly everything can be purchased online these days, and the prices are usually a lot better than the prices of items at brick and mortar stores. Most items offer free shipping, but even those without free shipping are usually quite reasonably priced, and the shipping rates still make them cheaper than an item from a retail store. There are numerous websites that can help you find the best prices online; they scrape data from websites and then compare them for you. With tools like these available, there is no reason to not be able to save money on all of your purchases. That’s what ballin’ is about; maximizing what you have with the amount of money that you have.


Tips from a Baller on a Budget


I’m by no means a baller financially, but I do live like one given my strict budget. I could probably live it up a bit more, but it is irresponsible to spend all of your money on trying to live as a baller. You need to consider your long-term finances; that job that you have right now might not be there in a few months, so it’s wise to set some money aside and create a modest budget for yourself.


For electronics and other items to deck out your pad, check out local used sites such as Kijiji or Craigslist. Another good place is eBay, but there are shipping costs associated with eBay as opposed to Kijiji and Craigslist. You can often find brand new items for sale on these sites being sold by people who thought that they could fit it into their budget, only to find out that they couldn’t. Be sure to have the seller test the item first to make sure that it’s working, because there’s no better way to ruin your budget than to buy a broken unit. So if you keep all of that in mind, you should be well on your way to being a baller on a budget.


Steve attanasie

Double Viking