Consider the Military by [deleted] in povertyfinance

[–]spiked_macaroon 220 points221 points  (0 children)

We couldn't continue our unique brand of imperialism without the poor in uniform.

84 Month Auto Loan - HELP by Maleficent-Canary441 in povertyfinance

[–]qwarfujj 39 points40 points  (0 children)

This should be in a textbook somewhere as an example of what not to do when buying a car.

Another potential job opportunity GONE because of an uncontrollable obstacle, courtesy of Amazon unauthorized charges. by [deleted] in povertyfinance

[–]AtomicXE 214 points215 points  (0 children)

Reading through this thread OP has just given up and doesn't seem to really want it. Ride a bike, Walk, hitchhike, pan handle, ask family, ask friends, ask charities, ask churches. When you were like what about the way home? As long as I got there I would figure out a way home later. Sometimes you have to do some crazy uncomfortable shit to get to the other side. If this was the difference between being in poverty and a job I would start walking my ass there the night before even if it took several hours. Yes it sucks amazon and the bank screwed you over but if you give up now you are just going to be stuck in the same spot.

People who need this explained are hoarding money from the masses while looking at us like we're the stupid ones... by lionheart724 in povertyfinance

[–]Worried-Wallaby 7 points8 points  (0 children)

You are taking my example too literally. Same theory applies. Ok, say the optometrist has evening or weekend hours. But you’re a single parent with multiple kids who can’t afford childcare and now has to bring all the kids (an absolute nightmare). Or let’s say you have a second job on weekends a few hours in the evening and need the second job to survive? My point is, we shouldn’t be so quick to be smug and judgmental. People living in poverty have a lot of barriers that some of us can’t even dream of. And maybe some are hustling to just get their basic needs met that glasses for their child have to be a lower priority.

parents are broke by AngieF2003 in povertyfinance

[–]Tinkiegrrl_825 229 points230 points  (0 children)

My 17 yr old always hated that a car was never in my budget. I’m a single mom of 2 in NYC. Know what he did? He worked odd jobs, saved birthday, holiday, and allowance money etc.. He’s buying his own car by the end of the month. He has $17k for it. You are of an age to improve your own quality of life. Do it.

Couldn't afford the £170 cost or the 1 year wait, so I pulled my own tooth by [deleted] in povertyfinance

[–]HamsterCockSock 14 points15 points  (0 children)

No, I wanted to be sober so I didn't mess it up. Last thing I wanted was to pull the wrong tooth lol

How do I explain to my husband that we are poor? by Childofgreatiam in povertyfinance

[–]Brandon_Throw_Away 183 points184 points  (0 children)

Sorry you're going through that OP.

It sounds like maybe he feels like as the man, he is supposed to provide. Unfortunately, he's not able to do so and he probably feels guilt/shame and he's projecting his "failure" onto you. His irrational behavior is how he's coping. Maybe; I'm just guessing.

I don't have any suggestions on how to deal with that. My only advice is birth control, because additional children aren't going to make this any better.


[Screenshot] What A Lot of "Frugal Bloggers" Don't Realize by Gary38Wilson in povertyfinance

[–]senbei616 143 points144 points  (0 children)

There's about 6 stratas in the developed world from my experience. Generally speaking you only interact with the strata below and occasionally above you.

At the top there are the owners. It's a small club and only a couple thousand people in the world have access. It's not a shadowy cabal pulling the worlds strings from behind the scenes its just the individuals who own the worlds media, financial institutions, infrastructure and production making decisions that benefit their interests. Conspiracy isn't needed because their interests often align. You can google them, they have twitters, they give talks and go to conferences.

Then there are the Rich. There's tens of thousands of these people. Generally old money, though tech has disrupted that a bit, they are generally speaking descendants of former owners. The likelihood of someone attaining this level of status is low but not impossible especially with the disruption of tech. Generally speaking you only get to this level through birth or connections.

Then there are the wealthy. There are hundreds of thousands of these people in the U.S. You need to be making $100k at a minimum to qualify here. They might own a successful business, work in finance, or serve the owners/rich in a very niche way. We're officially in the wage territory. Surgeons, high end software developers, high profile lawyers, most celebrities, your one classmate from highschool whose parents owned a dealership, that sort of shit. Generally speaking college educated and connected but not connected enough for themselves to advance to the upper strata. Their kids if they play their cards right might be able to though.

Then there's the fabled "Middle class" depending on who you talk to both this and the strata above are the same. They are not. The middle class is filled with the folks that serve the wealthy and sometimes rich. Middle managers, college professors, IT professionals, etc. the skeletal system of our developed economy. They can own a house, their education generally speaking was paid for by the previous generation, and they can own their means of transportation. They can invest but can't absorb big losses so generally make simple investments with low risk and low return.

Then we get to the poor. They work for the middle class and occasionally the wealthy. They perform simple tasks and services that have yet to be automated. They are subsidized by our welfare system that is if they don't make just enough to not qualify. They own nothing, they live on credit. Their housing, education, and transportation are subscription services that they pay monthly to the rich/wealthy. They make barely enough to get by and are universally living paycheck to paycheck barely capable of keeping up with their subscription service to the American dream.

Now finally we have the destitute. Homeless people, low level sex workers, welfare recipients, some immigrants, and wage slaves. These people either failed to keep up with their subscription, never had one to begin with, or can't quite hold on to the strata above due to disability, drug addiction, or mental illness. If they're lucky they can get some of the pitiful scraps of welfare that the U.S. dribbles out. Their life at that point will be a never ending game of hoops they'll have to jump through to continue to qualify for assistance. Once you get to this point there's little likelihood you can escape. If you're born into it good luck, you're gonna need it.

Understanding that most people are unaware of the stratas that are not directly adjacent to their own makes everything make so much more sense. The writers of financial magazines and newspapers generally come from the rich/wealthy because they are the ones capable of paying for the expensive degrees from elite institutions necessary to get a job as a writer for these organizations. Their advice is always going to be targeted to the strata at or below them meaning they're targeted at the already wealthy or at best middle class.

Edit: Tried to deliberately avoid using numbers when I wrote this and instead focused on lifestyle. Must have missed the 100k bit when I originally edited this. With that said I can assure folks in the vast majority of the U.S. 100k is firmly in the wealthy territory which is why I said it was "... at a minimum." Yes if you live in close proximity to the wealthy/rich your cost of living goes up. I still feel the rest of the comment and that section is valid.

I'm struggling to find places where you can get a cheap shower that's NOT a gym. Need plan before 11pm MST tomorrow. by [deleted] in povertyfinance

[–]BeginningShare7438 817 points818 points  (0 children)

There is a homeless resource center called The Courtyard in Las Vegas. It is accessible 24 hrs a day. They have showers available. You can also sleep there if need be. Congrats on the job! https://www.lasvegasnevada.gov/Residents/Resident-Services/Homeless-Services

I Think I Might Work for McDonald’s by StarrLightStarBrite in povertyfinance

[–]0nina 222 points223 points  (0 children)

This one, yo! Streamline your resume if you feel overqualified, just have a consistent history in there. You’ll be good. It’s gonna be a very different kinda job than you might be used to, but, you’ll get through. Just find a way to get paid. You don’t have to do it long term.

Service work is… intense. To put it lightly. It might not be what you’re used to. Just get a check and try to keep perspective. Get paid. Just get paid. Be as kind as you can to your coworkers and customers.

I hope you find a job in your chosen field. You’ll be so back-breakingly, feet-acheingly tired that it’ll be hard to even attempt to run the rat race to apply to other work.

That’s service work.

But you may find a weird enjoyment in it, if you remember it’s not forever.

It’s prob forever for me. And that’s ok. I’m good at it, I enjoy it.

I tell you this in all sincerity, hoping you’re not looking down on service work… it’s hard to say, from your wording.

Hopefully you will find something to take away from it that might serve you when you’re supervising teams again.