About two months ago I ran into a good friend from college, who I probably hadn’t seen for almost a year. Even though it had been such a long time, the second thing out of his mouth was “Dude, I am so broke.” It was kind of a weird thing to say to someone who you hadn’t seen for so long, but I could tell it was bothering him. Long story short, we talked a bit about his finances and I came to a conclusion in my head: he was over spending.
Continue reading Save Yourself From Saving
Well hello there. I hope you are all feeling fine and healthy today. If not, then maybe you should pay a visit to your doctor. But first, pay a visit to me, your Iamhellacheap advisor. Now, some time back in 2010, when Obama passed the Healthcare Reform Bill, he made it required by law for insurance companies to offer “preventative care” to their consumers for $0. This means, no co-pay, no deductible, basically nothing out of your pocket.
Continue reading An Apple a Day Keeps the Co-pay Away
An easy way to save money is to avoid ATM fees.
Avoid ATM fees by buying a small item at the grocery store in order to get “Cash Back” for free.
“Oh wow, great advice Mr. Iamhellacheap. Everyone already does that, you idiot.”
Oh, I’m sorry. Let me finish.
Continue reading Shortest Post Ever
Hello all. Boy, do I have a hot tip for you today. Just kidding. This will probably not come of use to you for quite a while (or ever). It has to do with moving. If you’re renting an apartment, chances are you probably move every other year. And when moving day comes, you’re going to need a lot of… boxes.
Yes boxes. I actually had no idea until recently, but cardboard boxes are quite expensive. And when I say expensive, I mean a rip-off. I was searching for cardboard boxes to buy online so I typed “cardboard boxes Irvine” into Google. I would say if you took every link on the first page and took their average price for cardboard boxes, it’s going to be around $100 for twenty-five or so boxes. ONE HUNDRED DOLLARS for boxes?! Are they wrapped in cashmere or something? Goddamn, for $100 they better come with eight midgets that pack my stuff for me.
Continue reading Move
I know I am always incredibly slow on trends, and what I am about to say will either be something you 100% disagree with (because you jumped on the bandwagon) or already know (because you are smarter than me). But anyways… here it is: Food trucks are actually really, very…
not that great at all.
My co-worker recently invited me to go with him to eat at a food truck for lunch.
Continue reading Food Trucks
I have never met anyone that didn’t like eating at Chipotle. Probably because it’s so damn delicious. I eat Chipotle at least once a week. I mean, who could pass up a filling and delicious meal for only $6.40 after tax? Not me. On occasion, I like to treat myself and order some chips with my burrito. Chipotle charges $1 for chips but $1.65 for chips and salsa. The thing is, when you buy a burrito you can get salsa on the side for free. This creates some ambiguity. You want to buy a burrito with salsa on the side AND chips, NOT a burrito AND chips and salsa. How do you ensure this? Ask for the salsa AFTER the cashier rings you up.
So this is how it will go. When you are paying for your burrito, they will probably ask you if you want anything else. Then you say “Yeah can I just have some chips.” And after they swipe your card, you bust in with “Oh yeah, can I get some salsa on the side?” BAM, no way they’re going to charge you for salsa now. But what if they ask you if you want salsa with the chips before you pay? It would be weird if you say no to the salsa and then immediately change your mind after you pay. That’s when you pull the “come back in a second” move (The name may need some work). Basically, just pass on the salsa for now, stock up on some utensils and napkins (I’ll teach you how later), and then come back in about 30 seconds to ask for it. They’re not going to remember. You can also easily avoid this problem if you’re eating with a friend; have them ask for the salsa with their burrito while you buy the chips.
So, there we have it, get your salsa for free, and save yourself sixty five big ones. (pennies)