Living paycheck to paycheck

[Anonymous]

Anonymous wrote:I would say that you are living to pay check to paycheck without the 12 mo. liquid savings. Since you have this 12 mo. savings as your cushion I do not think that you are living paycheck to paycheck.

They have $200 left. After fully funding retirement. That is $2400 a year if paid monthly. Or $5200 if paid by-weekly.

That isn't pay check to pay check.

[Anonymous]

I would say you are middle class, OP. Doing much better than alot of folks.

[Anonymous]

Go fuck yourself OP. People like you make me sick. If your car broke down and you had to pay a couple hundred in repairs, you wouldn't have to worry about being homeless the next month. You pay off your credit card each month. You're saving for college.

You have it better than many, many people in this country and you come on here looking for pity that you only have 200 bucks left over each month? Do you know how much somebody who is truly living paycheck to paycheck could do with 200 bucks? I got paid an extra 90 bucks this pay period and feel like I won the lottery.

You need to get some perspective. Why don't you spend a few months trying to decide if buying groceries or putting gas in your car so you can get to work is more important. Or if you'd rather pay your utilities, or let them go for another month so your rent check doesn't bounce and pray they don't cut you off. Try that, and then see if you still feel like whining about your massive income, yearly bonuses, and retirement fund.

[Anonymous]

Troll.

[Anonymous]

Anonymous wrote:Go fuck yourself OP. People like you make me sick. If your car broke down and you had to pay a couple hundred in repairs, you wouldn't have to worry about being homeless the next month. You pay off your credit card each month. You're saving for college.

You have it better than many, many people in this country and you come on here looking for pity that you only have 200 bucks left over each month? Do you know how much somebody who is truly living paycheck to paycheck could do with 200 bucks? I got paid an extra 90 bucks this pay period and feel like I won the lottery.

You need to get some perspective. Why don't you spend a few months trying to decide if buying groceries or putting gas in your car so you can get to work is more important. Or if you'd rather pay your utilities, or let them go for another month so your rent check doesn't bounce and pray they don't cut you off. Try that, and then see if you still feel like whining about your massive income, yearly bonuses, and retirement fund.

12:26 had a great answer. You are just angry at life.

[Anonymous]

Ignoring this thread. Bye!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Go fuck yourself OP. People like you make me sick. If your car broke down and you had to pay a couple hundred in repairs, you wouldn't have to worry about being homeless the next month. You pay off your credit card each month. You're saving for college.

You have it better than many, many people in this country and you come on here looking for pity that you only have 200 bucks left over each month? Do you know how much somebody who is truly living paycheck to paycheck could do with 200 bucks? I got paid an extra 90 bucks this pay period and feel like I won the lottery.

You need to get some perspective. Why don't you spend a few months trying to decide if buying groceries or putting gas in your car so you can get to work is more important. Or if you'd rather pay your utilities, or let them go for another month so your rent check doesn't bounce and pray they don't cut you off. Try that, and then see if you still feel like whining about your massive income, yearly bonuses, and retirement fund.

12:26 had a great answer. You are just angry at life.

You think?

I assure you that if people like OP spent less time worrying about themselves and more time worrying about others, I (and the millions of other Americans living in poverty despite being educated and working professional jobs) wouldn't be so angry.

[Anonymous]

We make $165 and actually ARE living paycheck to paycheck because we suck at money. We have no savings. We have about $30,000 in credit card debt. We have about $150,000 in student loan debt. Just bought 2 cars. Rent in a nice neighborhood. It's our fault, of course. We could move out of our neighborhood. Buy cheaper cars. Spend more wisely. But damn OP, if I had 12 months savings in the bank, I'd sleep a lot better than I do right now.

[Anonymous]

OP, I'm not going to be mean like the other posters but genuinely curious. What would you like to do differently? How are you cutting it too close if you already have a year of living expenses AND are still adding to savings/investments every month?

[Anonymous]

Anonymous wrote:We make $165 and actually ARE living paycheck to paycheck because we suck at money. We have no savings. We have about $30,000 in credit card debt. We have about $150,000 in student loan debt. Just bought 2 cars. Rent in a nice neighborhood. It's our fault, of course. We could move out of our neighborhood. Buy cheaper cars. Spend more wisely. But damn OP, if I had 12 months savings in the bank, I'd sleep a lot better than I do right now.

We are in a similar situation, but not so much because we are living beyond our means. In our case, it is medical bills and legal fees associated with a long (but successful) custody battle many years ago. We took a loan to cover the costs and we are still paying it off almost 12 years later. We also have kids in college.

We are living paycheck to paycheck. On a good month, we can save about 200. But inevitably something happens to knock us back to square one. This month it was a car repair. A few months ago it was the A/C.

OP - Your post is obnoxious. My family may be living paycheck to paycheck, but there are many other families who aren't even making it to the next paycheck. And others who are not getting a paycheck at all. Learn to be thankful for what you have. Bragging about your "liquid savings" makes you sound like an ass.

[Anonymous]

In case you actually don't know ... OP as others have stated you're certainly not living paycheck to paycheck, rather you're living on a (nearly) zero-sum budget in which all of your dollars are accounted for each month, including savings. In this scenario you are SUPPOSED to end up with $0 at the end of the month. So just figure out where you want that extra $200 to go every month. Or don't. Or cut your expenses if you want to save more. You're fortunate to have options.

[Anonymous]

Wait, you have money leftover after you save for retirement and college, and want to know if you are living paycheck to paycheck? What?

[Anonymous]

Wow, full of angry people with this forum.

[Anonymous]

Anonymous wrote:Wow, full of angry people with this forum.

If you do not understand why OP's question makes people angry, you are truly clueless.

[Anonymous]

OP is either a troll or stupid.