Anonymous wrote:

Anonymous wrote:

Anonymous wrote:This whole thread is nuts. It is hard to DIY when you don’t own a house. You can’t own a house if you can’t save the money. My sister pulls together odd jobs and has no future earning potential. She pays next to nothing in rent but I know I’m her emergency plan.

Starting out, I had to drop out of college because my finances got screwed up in loans (long story) and I couldn’t get out of the debt hole for almost 10 years (and that includes living with roommates and only having a phone when needed). When my $1700 car needed a new clutch, that was a crisis I couldn’t afford. When it died, I could have lost my job if I didn’t have a miracle happen. I had a paycheck screwup (it went to the wrong office) and I didn’t have metro fare to go get it. So I walked everywhere (luckily I could walk 2 miles to work in the summer) and skipped food (not eating out, actual food, unless one of my friends shared) for 2 weeks while I waited for the check to come to the right office so I could cash it.

Friends of mine from growing up are working one underpaid job with a second job, relying on parents for child care. One is an emt, but isn’t in a position to ever buy a house. Emergencies do put them underwater.

Another family member was in a debt tailspin for medical bills. Hell, an er copay for me was unaffordable, so I didn’t pay and it stayed on my credit report (along with a hell of a lot of other bad things) for years.

In this thread, I really wonder how many people posting have ever been in any position where they ever experienced any of that.

And, when my husband was 18, no opportunity for college, he joined the military. You have options.... you just may not like them. Because of his military service, we get low cost health care for life..takes away that issue.

And here you have it, ladies and gentlemen, if you don’t want to end up homeless in America, you simply have to sign up to get your ass shot off in a war that makes billionaire traitors even richer.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:This whole thread is nuts. It is hard to DIY when you don’t own a house. You can’t own a house if you can’t save the money. My sister pulls together odd jobs and has no future earning potential. She pays next to nothing in rent but I know I’m her emergency plan.

Starting out, I had to drop out of college because my finances got screwed up in loans (long story) and I couldn’t get out of the debt hole for almost 10 years (and that includes living with roommates and only having a phone when needed). When my $1700 car needed a new clutch, that was a crisis I couldn’t afford. When it died, I could have lost my job if I didn’t have a miracle happen. I had a paycheck screwup (it went to the wrong office) and I didn’t have metro fare to go get it. So I walked everywhere (luckily I could walk 2 miles to work in the summer) and skipped food (not eating out, actual food, unless one of my friends shared) for 2 weeks while I waited for the check to come to the right office so I could cash it.

Friends of mine from growing up are working one underpaid job with a second job, relying on parents for child care. One is an emt, but isn’t in a position to ever buy a house. Emergencies do put them underwater.

Another family member was in a debt tailspin for medical bills. Hell, an er copay for me was unaffordable, so I didn’t pay and it stayed on my credit report (along with a hell of a lot of other bad things) for years.

In this thread, I really wonder how many people posting have ever been in any position where they ever experienced any of that.

And, when my husband was 18, no opportunity for college, he joined the military. You have options.... you just may not like them. Because of his military service, we get low cost health care for life..takes away that issue.

And here you have it, ladies and gentlemen, if you don’t want to end up homeless in America, you simply have to sign up to get your ass shot off in a war that makes billionaire traitors even richer.

Anonymous wrote:I am a furloughed fed feeling the pain right now but I do believe you need to reduce expenses. At any salary you should be able to save. And I say this as someone who started at 35k as a fed. I completely understand that all humans have lean times but every year can’t be a lean time.

Anonymous wrote:

Anonymous wrote:You should reduce your expenses then because if that’s the case you’re only one emergency away from bankruptcy or total poverty. It’s simple math, people!

You know, you’re right. My wife shouldn’t have gotten cancer last year. I shouldn’t have gotten laid off five years ago and I certainly shouldn’t have waited eight months to get a job after that. And then, we’ll the house flooding, boy was I stupid to let that happen. I should’ve been born into a family who could pay for my college education. And most of all, I should’ve never helped my mother not get evicted in2009. Boy what an ass I am. I deserve to lose my house and my kids don’t deserve to eat.

With all due respect, PP (which is very little), f you.

Anonymous wrote:

Anonymous wrote:This whole thread is nuts. It is hard to DIY when you don’t own a house. You can’t own a house if you can’t save the money. My sister pulls together odd jobs and has no future earning potential. She pays next to nothing in rent but I know I’m her emergency plan.

Starting out, I had to drop out of college because my finances got screwed up in loans (long story) and I couldn’t get out of the debt hole for almost 10 years (and that includes living with roommates and only having a phone when needed). When my $1700 car needed a new clutch, that was a crisis I couldn’t afford. When it died, I could have lost my job if I didn’t have a miracle happen. I had a paycheck screwup (it went to the wrong office) and I didn’t have metro fare to go get it. So I walked everywhere (luckily I could walk 2 miles to work in the summer) and skipped food (not eating out, actual food, unless one of my friends shared) for 2 weeks while I waited for the check to come to the right office so I could cash it.

Friends of mine from growing up are working one underpaid job with a second job, relying on parents for child care. One is an emt, but isn’t in a position to ever buy a house. Emergencies do put them underwater.

Another family member was in a debt tailspin for medical bills. Hell, an er copay for me was unaffordable, so I didn’t pay and it stayed on my credit report (along with a hell of a lot of other bad things) for years.

In this thread, I really wonder how many people posting have ever been in any position where they ever experienced any of that.

And, when my husband was 18, no opportunity for college, he joined the military. You have options.... you just may not like them. Because of his military service, we get low cost health care for life..takes away that issue.

Anonymous wrote:You should reduce your expenses then because if that’s the case you’re only one emergency away from bankruptcy or total poverty. It’s simple math, people!

Anonymous wrote:This whole thread is nuts. It is hard to DIY when you don’t own a house. You can’t own a house if you can’t save the money. My sister pulls together odd jobs and has no future earning potential. She pays next to nothing in rent but I know I’m her emergency plan.

Starting out, I had to drop out of college because my finances got screwed up in loans (long story) and I couldn’t get out of the debt hole for almost 10 years (and that includes living with roommates and only having a phone when needed). When my $1700 car needed a new clutch, that was a crisis I couldn’t afford. When it died, I could have lost my job if I didn’t have a miracle happen. I had a paycheck screwup (it went to the wrong office) and I didn’t have metro fare to go get it. So I walked everywhere (luckily I could walk 2 miles to work in the summer) and skipped food (not eating out, actual food, unless one of my friends shared) for 2 weeks while I waited for the check to come to the right office so I could cash it.

Friends of mine from growing up are working one underpaid job with a second job, relying on parents for child care. One is an emt, but isn’t in a position to ever buy a house. Emergencies do put them underwater.

Another family member was in a debt tailspin for medical bills. Hell, an er copay for me was unaffordable, so I didn’t pay and it stayed on my credit report (along with a hell of a lot of other bad things) for years.

In this thread, I really wonder how many people posting have ever been in any position where they ever experienced any of that.

Anonymous wrote:

Anonymous wrote:Privledged people think you’re indulging in $1,000 iPhones and private schools and so they like to scold you. It makes them feel quite satisfied! Reality is your child care and health care and housing probably eat up your paycheck. Between repairs for cars and home maintenance and emergency health bills there just isn’t a lot left. And for those who are scolding people for having children? That’s disgusting.

But there are SAHMs who have five or six kids whose husbands are now furloughed without pay and they're like "How will I afford diapers?" And all I can think is, "Why didn't you consider this four children ago?"

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The modern redefining of luxuries as necessities makes it hard to see that saving is doable for many people who claim that they can’t save a dime (while typing away on their smartphones).

+1

One word: Starbucks.

See the elitism. They think we get Starbucks. Starbucks

Who is “we?” You don’t speak for those who can’t or don’t save money.

Real people don't get starbucks, or their nails done, or their hair done.

You people are crazy!

Anonymous wrote:The modern redefining of luxuries as necessities makes it hard to see that saving is doable for many people who claim that they can’t save a dime (while typing away on their smartphones).

Anonymous wrote:Privledged people think you’re indulging in $1,000 iPhones and private schools and so they like to scold you. It makes them feel quite satisfied! Reality is your child care and health care and housing probably eat up your paycheck. Between repairs for cars and home maintenance and emergency health bills there just isn’t a lot left. And for those who are scolding people for having children? That’s disgusting.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The modern redefining of luxuries as necessities makes it hard to see that saving is doable for many people who claim that they can’t save a dime (while typing away on their smartphones).

+1

One word: Starbucks.

See the elitism. They think we get Starbucks. Starbucks

Who is “we?” You don’t speak for those who can’t or don’t save money.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The modern redefining of luxuries as necessities makes it hard to see that saving is doable for many people who claim that they can’t save a dime (while typing away on their smartphones).

+1

One word: Starbucks.

See the elitism. They think we get Starbucks. Starbucks

Anonymous wrote:I have found that most parents with babies or toddlers, rather do daycare or a sitter than ask nearby family or friends for favors.

Anonymous wrote:

Anonymous wrote:The modern redefining of luxuries as necessities makes it hard to see that saving is doable for many people who claim that they can’t save a dime (while typing away on their smartphones).

+1

One word: Starbucks.