3 Ways To Stretch Your Last Paycheck When You’re Suddenly Broke AF

Sh*t. It’s time for the dreaded, Monday morning statement check.

Hold your breath. Its not going to be pretty.

Nice job, Rick Ross.

You forgot all about your sober, self-proclaimed “allowance” this weekend when you dropped $200 on a table at the club to earn yourself three watered-down cranberry vodkas and a footstool of a table stuck all the way in the back, near the fire exit.

Hope it was worth it. Soaring past your paygrade happens, but you really went overboard this time.

As you peer down at your statement, you start seeing charges from a bar you don’t even remember being at.

Youve been taxed by various Venmo payments to friends for God knows what throughout the weekend, and they’re only explained by random emojis.

Oh, how nice of you to pick up the cab ride for everyone on the way home on Saturday night.

Floyd Mayweathers Instagram account must really be getting to your head.

You purposely don’tswipe some items in the self-checkout lane at the grocery store because who pays $6.99 for deodorant?

Now that youre almost broke and dont get paid until next week, here is a guide for making what youve still got last, while still living somewhat of a normal social life.

This applies to women too. But lets be honest: You all get away with a lot more for free than we do.

Here are three ways to enjoy living in the city without breaking the bank:

1. At The Bar

This is the big one.

This is where your money vanishes, with absolutely no real value to speak of once the night is over.

Theres nothing worse than seeing $60 charges made at 2 am on drinks, when you were already drunk enough to last well into the next day.

Id say stop going, but we all know thats not going to happen.

So just slow down and be smarter with the plastic.

Answer

Stop trying to be JayGatsby when its your time to order at the bar.

Unless its a special occasion for someone there or youre buying for someone youre trying to get with, let everyone else get their own damn drinks.

This is the easiest way to turn a harmless $13 charge into a painful $45 stinger.

All the half-assed “Thanks, Ill get the next one” answers you get from your friends when youre drinking rarely come back around.

Also, for the record, opening and closing your tab all night wont save you any extra money.Itll just make your bartender want to dodge you all night or spit in your next drink.

Leave it open, but only buy for yourself and your hookup hopeful.

Tip once at the end: well.

Dont ever skimp onthe tip for people who prepare the things you ingest.


2. Transportation

Doingfun things is enjoyable.

Finding a way to getto those things sucks.

Theres a time and place for each of these methods, but planning ahead might make you hate your life less and put more cash back in your wallet to spend recklessly elsewhere.

Walking: This is an obvious choice, but walking anything over 10 blocks is for suckers, especially in the winter.

The claim that you do it for the exerciseisnonsense.

Youre telling me that if a limo pulled up right now and offered you a ride, you’d just keep walking?

No way.

Youd get in the limo with that stranger and take off without thinking twice.

You just might get more exercise than you planned for when youre running for your life from some thug because you wanted to walk home at 3 am.

Bike: Id say hop on a Citi Bike, but youre not really willing to get steamrolled by a cab trying to catch the yellow light, just so it can get to Chipotle before it closes.

Plus, everyone secretly hates people on bikes. Youre taking up my lane and running red lights all over the place.

Its only a matter of time until you get whacked. Then, its somehow still my fault.

Public Transportation: I hope you brought headphones. Until youre used to it, theres no getting used to it.

Everyones miserable, crazy or a combination of the two on the bus or subway. Yeah, its cheap and efficient, but so is not getting stabbed.

Im not about being helplessly forced to watch some dude get off in the corner of the subway, just so I can get uptown cheaper.

Answer

Uber: F*ck those people who say theirs “isnt working right now.”

You split this fare with me right now, goddamn it. Im not your personal chauffeur.

This is the absolute greatest thing to happen to getting around since the invention of the wheel.

Fix your app and pay the whopping $2.10 once the ride is split five ways.

These things are life-savers for any work commute when youre running late with a co-worker.


3. Food

Delivery: This is the easy way out. Sure, maybe on the weekends sometimes, but this stuff leeches the bank account like no other.

Have you gained weight? We all know no one is ordering salad from the delivery place.

Youre going all in on the greasiest Chinese food you can think of, and its been showing.

Chill out, or you wont make it to the next year — let alone the next bite — without choking to death.

Meals Out: Tough one. Once a week, youre going to get an offer to eat out somewhere. Youre likely going to take it.

Especially if youre dating, all those Bumble matches add up. Dates don’t come cheap.

Stick with an app and your drinks.

Damage control is key. If you pay $60 with tip on a date, it’s a victory.

Paying for dates is a necessary evil for guys, too.

Ladies, please save thesteak entree for next time (maybe).

Answer

Being lazy is expensive, so get up off your ass and grocery shop once a week.

Cooking isn’t terrible, either. It can actually be quite pleasant with the right ingredients and someone attractive there to help you out.

Dropping $50 per week on groceries will always be more feasible than the other options, and youre less likely to have a heart attack at age 30.

Eating that chicken and asparagus at home is way better than chowing down on all those extra large pizzas.


There you have it.

Choose the ways you’ll spend the last of your funds this week because theres a good chance you’ll put yourself right back into this situation in two to three weeks.

Lather, rinse, go broke, repeat.

Next time, well discuss things like rent, student loans, healthcare and other less important things.

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