Why is "money management" always brought up and used against the poor?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Some poor people are poor money managers. But some poor people just don't have enough money to really manage it, period. If you are literally down to your last $5 every month, I don't really expect you to save it.

Not to mention, being poor can be expensive. For example, you can't afford to buy the high-quality thing that costs more, so you buy the cheaper things but have to replace them more often, so it's more expensive in the long-term. You buy a cheaper car that requires more repairs or gets worse gas mileage. And often getting things really cheap requires more time, which is also something that is often in short supply.

This. I read an article about how much cheaper things are for people with more $. Comparing what diapers cost at a B&M store or a convenience store compared to Amazon. Availability of stores and the prices generally charged. I have told my Latina sitter that she should not shop any place that exclusively caters to one ethnic group. Especially if the owner isn't from that group. Chances are it's part of the problem.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I grew up poor and what I don't think gets emphasized enough in conversations like this is the extent to which "money management" is not something that children who grow up in poverty are taught at home. The idea of "saving money" every month was totally foreign to me until I was in my 20s because that was the first point in my life that I ever experienced having anything left over to save at the end of the month.

Budgeting when you are living in poverty looks a lot different than when you're not living in poverty. A lot of things that people on this board consider essential budget categories (e.g., retirement funds, college funds, emergency funds) are simply not things that people living close to the edge are able to prioritize. When you are poor and your car needs $200 in repairs, sometimes what that means is that you don't have a working car for a few weeks, which then also means you have to figure out somehow to get from point A to point B.

I also think that most upper middle class people have a fairly skewed sense of value. You may see a person taking a SNAP card out of a MK purse at the grocery store, or a person with a fresh manicure and an iPhone, and what you maybe are not seeing is the church donation bin that the purse came out of, the cousin/sister/auntie who works as a manicurist, and the reality that the iPhone provides a home phone line as well as an internet connection, both of which are basically essential in 2017. Similarly, a poor person looking at an UMC person will see things like your nice car and your nice clothes and your house that you own and not see things like student loan debt or high mortgage payments.

But does it really have to be an iphone?

You're comment is really worthless. What was the point of posting it?

[Anonymous]

Anonymous wrote:I counted, and exactly 0 people feel bad for people who used to make millions of dollars a year but spent it all on luxury cars and houses. OP, are you high?

+ 1

This is such an insane premise. People actually gloat when this happens to celebrities. The schadenfreude is out of control

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I grew up poor and what I don't think gets emphasized enough in conversations like this is the extent to which "money management" is not something that children who grow up in poverty are taught at home. The idea of "saving money" every month was totally foreign to me until I was in my 20s because that was the first point in my life that I ever experienced having anything left over to save at the end of the month.

Budgeting when you are living in poverty looks a lot different than when you're not living in poverty. A lot of things that people on this board consider essential budget categories (e.g., retirement funds, college funds, emergency funds) are simply not things that people living close to the edge are able to prioritize. When you are poor and your car needs $200 in repairs, sometimes what that means is that you don't have a working car for a few weeks, which then also means you have to figure out somehow to get from point A to point B.

I also think that most upper middle class people have a fairly skewed sense of value. You may see a person taking a SNAP card out of a MK purse at the grocery store, or a person with a fresh manicure and an iPhone, and what you maybe are not seeing is the church donation bin that the purse came out of, the cousin/sister/auntie who works as a manicurist, and the reality that the iPhone provides a home phone line as well as an internet connection, both of which are basically essential in 2017. Similarly, a poor person looking at an UMC person will see things like your nice car and your nice clothes and your house that you own and not see things like student loan debt or high mortgage payments.

But does it really have to be an iphone?

You're comment is really worthless. What was the point of posting it?

The point is that iPhones are very expensive and the same "essentials" could be obtained with a significantly cheaper android phone.

[Anonymous]

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

[Anonymous]

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

Sorry. I don't have an iPhone 7 (or even a 6) and yes if you are totally dependent upon government handouts for food, housing, etc then yes it is vulgar and wrong to walk around with luxuries that self supporting people don't have. Maybe all those with their hands out all the time should get a life instead! Or how about a job!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

Sorry. I don't have an iPhone 7 (or even a 6) and yes if you are totally dependent upon government handouts for food, housing, etc then yes it is vulgar and wrong to walk around with luxuries that self supporting people don't have. Maybe all those with their hands out all the time should get a life instead! Or how about a job!

If the iPhone or whatever is a GIFT or a HAND ME DOWN what don't you get????

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

Sorry. I don't have an iPhone 7 (or even a 6) and yes if you are totally dependent upon government handouts for food, housing, etc then yes it is vulgar and wrong to walk around with luxuries that self supporting people don't have. Maybe all those with their hands out all the time should get a life instead! Or how about a job!

If the iPhone or whatever is a GIFT or a HAND ME DOWN what don't you get????

Nope, I have seen in depth news stories (60 minutes, etc) of hoards of teens living in inner city housing projects with $150 sneakers and whatever iPhones are the latest. Definitely NOT gifts. What are they (or their parents) thinking?!? The financial skills not being taught are so disheartening.

[Anonymous]

Anonymous wrote:I don't feel bad for the rich people making millions. Do people actually feel bad for them?

Not that I'm aware of!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

Sorry. I don't have an iPhone 7 (or even a 6) and yes if you are totally dependent upon government handouts for food, housing, etc then yes it is vulgar and wrong to walk around with luxuries that self supporting people don't have. Maybe all those with their hands out all the time should get a life instead! Or how about a job!

If the iPhone or whatever is a GIFT or a HAND ME DOWN what don't you get????

Nope, I have seen in depth news stories (60 minutes, etc) of hoards of teens living in inner city housing projects with $150 sneakers and whatever iPhones are the latest. Definitely NOT gifts. What are they (or their parents) thinking?!? The financial skills not being taught are so disheartening.

Sorry, friend. Fox lied to you. Again.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

Sorry. I don't have an iPhone 7 (or even a 6) and yes if you are totally dependent upon government handouts for food, housing, etc then yes it is vulgar and wrong to walk around with luxuries that self supporting people don't have. Maybe all those with their hands out all the time should get a life instead! Or how about a job!

If the iPhone or whatever is a GIFT or a HAND ME DOWN what don't you get????

Nope, I have seen in depth news stories (60 minutes, etc) of hoards of teens living in inner city housing projects with $150 sneakers and whatever iPhones are the latest. Definitely NOT gifts. What are they (or their parents) thinking?!? The financial skills not being taught are so disheartening.

That is not the scanerio we are talking about. We are talking about a gift or a hand me down of a brand name item.

[Anonymous]

Scenario* typo

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you pull your SNAP card out of your MK purse which also holds your iPhone 7, I judge you. I can't help it.

Maybe someone gave them the purse and/or phone. Poor people sometimes have rich relatives who are generous and give them the extras they can't afford.

Then they should refuse the iPhone 7 and ask for grocery money instead. Poor people will never dig out if they view luxuries as necessities/entitlements while spending government money on true necessities.

Oh, you are so ridiculous and you've obviously never been poor. So the poor person can't accept an iPhone simply because they're poor? You are a real a--hole and I can only hope you one day have to ask for a handout and you should refuse any special treat and ask for grocery money. You are an actual loser.

I give my poor SIL and MIL clothes and old purses--many of them brand name, like Kate Spade or Coach--that they could never afford even though they're not even true luxury brands. So they're supposed to say, "thanks for the offer of this purse--which I really love and is actually useful to me--but can you buy me some groceries instead?"
GET. A. LIFE.

Sorry. I don't have an iPhone 7 (or even a 6) and yes if you are totally dependent upon government handouts for food, housing, etc then yes it is vulgar and wrong to walk around with luxuries that self supporting people don't have. Maybe all those with their hands out all the time should get a life instead! Or how about a job!

If the iPhone or whatever is a GIFT or a HAND ME DOWN what don't you get????

Nope, I have seen in depth news stories (60 minutes, etc) of hoards of teens living in inner city housing projects with $150 sneakers and whatever iPhones are the latest. Definitely NOT gifts. What are they (or their parents) thinking?!? The financial skills not being taught are so disheartening.

+1. PP is unhinged and needs to stop yelling/control herself. I work with the indigent and most of them live in Section 8, are on food stamps, etc. Every single one of them has a smartphone. A ton of them have iPads and luxury clothing, and I doubt it's because some random rich relative "gifted" it to them. From talking to these people, I've learned that most of the rich relatives in a family distance themselves or sometimes completely cut off their poor relatives.