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i hate thirft stores i always can find cheap pants in burlington or marshals sometimes at 5$!!!!! , i buy things i really need when its " buy one get one free" and i split it with a friend, so i will pay half lol . i buy shoes in the end of season , i m not talking about old style things but things will never be old fashion . i use free applications to send txt messages , since my husband pays150$ for his cell ( he needs a good signal for his job) .
trust me , we are really enjoying our life by sharing things we have only 1 laptop one car one bedroom ....etc . but we can affore eating healty , having new things ,going outside, using last technology but on a budget , the only thing we cant afford is a health insurance .
I was talking with my mom and sister about politics.
In any event,I mentioned that I made 93,000.
My brother chipped in and said"I wish I was in y'all shoes".
My mom said "me too".
But what they DON'T see is that I worked for it.
I got up at 5am to travel 2.5 hours on the train to the college.
I also work 70 to 80 hours week. How many people are willing to do that?
Very few,they would rather complain" Night shift makes you age faster" or
"That's too much work". Yet they complain about not having enough money.
My brother actually had 2 jobs but quit both.
So let me ask you. I hear a lot of hatred for the poor and contempt for the little our government gives to them.
Anyone want to trade places with a poor person?
Nah...I didn't think so.
For any of us to trade places with a poor person,you would have to define "poor".
While you are at it,please define "working class".
While I think I might be of the working class(an Rn) but I make middle class income,and that's only because I'm working 2 jobs.
Plan your spending. Don’t rush to buy something just because it’s on sale. Make a financial plan—a budget—and stick to it.
Avoid unnecessary debt. If you are already in debt and can’t meet your obligations, try to negotiate new payment plans with your creditors. Be persistent. Even if your first request isn’t successful, keep on asking for an adjustment.
Keep money in its proper place. Envy and greed not only can lead to financial ruin but also can crowd out important matters. Resist the urge to be rich. It's not as carefree as the media makes it seem.
Be content. Yes people scoff at this old adage but money really can’t buy happiness or contentment. Some of the happiest people in the world do not have a lot of money. What they do have is the love of family and friends and respect for themselves.
That post is a fabrication. He inflates numbers, invents figures. He is a liar. First of to qualify for snap in Mississipi a mother of 2 children would have to make less than $8,500. So that benefit is not even available.
Secondly, the medicaid and chip costs are just made up. He takes what it would cost a family to buy private insurance and then adds a whole bunch of other figures to come up with that ridiculous number, but understand families on medicaid are not getting $16,000 a year in medical expense like he implies.
Plus he forgets that most people get their insurance through their employers and it is subsidized by the government.
Not to mention that the person making 60,000 is likely to own a home, which is another tax benefit, is likely to have a 401k which is another tax benefit, their whole gross income will not be taxed.
As thinking people we got to do better, if you really believe that any person would be better off being a single mom making 14,500 a versus making 60,000 you are in fantasyland.
60,000 yearly income isn't enough to buy a home in Nj.
I make more than that,and my job doesn't have a matching 401k benefit.
As far as getting insurance through my employer,I do,but I also pay $480 a month for that insurance.
Most people pay around that much. But you aren't adding in copays,labs,even ER visits.
A simple ER visit is going to cost me $1500 out of pocket. I don't even want to know how much it will be if I get admitted.
Oh,and in Nj,if someone has Medicaid,they can get the dollar a day car insurance. They only pay $365 dollars yealr for car insurance. Mine? $2400 yearly.
60,000 yearly income isn't enough to buy a home in Nj.
I make more than that,and my job doesn't have a matching 401k benefit.
As far as getting insurance through my employer,I do,but I also pay $480 a month for that insurance.
Most people pay around that much. But you aren't adding in copays,labs,even ER visits.
A simple ER visit is going to cost me $1500 out of pocket. I don't even want to know how much it will be if I get admitted.
Oh,and in Nj,if someone has Medicaid,they can get the dollar a day car insurance. They only pay $365 dollars yealr for car insurance. Mine? $2400 yearly.
What is your point? If you really believe that making 14,500 a year is better than making 60,000 than there is no reason for you not to go live that better life.
my sister said that she is having trouble paying the bills and she makes 60,000 a year so shes middle class i was wondering about the lower class of like 20 or 30,000 a year how can they afford everything?(mortgage,tv,phone, internet,car bill,gas,insurance,clothes,food,electirc or gas heating air condtion,dental bills, etc.)?
payday loans, rent a center, aaron's, child tax credit, thrift stores, prepaid services, check cashing services, prepaid cards, and so on and so forth
all while being ripped off up front for the promise of not touching their credit
you even have prepaid mobile internet these days. one can also illegally turn their device into a hotspot; this is built into android and windows devices, so that the whole family can get online. not sure about apple products.
i've used general for my automobile insurance and esurance when i was poor, or some local, out of the way spot i always had to pay in cash.
one can heat their home with a gas stove or an oven during the winter, or a portable heater
there is free dental care available, or you can just go into the emergency room when you get an abcess, which i actually did before
you really don't need electric when so many things operate off of rechargeable batteries these days. when i did not pay my electric bill, i would recharge my cell phone at work. a smartphone is only a hundred dollars, same for a tablet, so one technically does not need a personal computer. if you need an actual computer, you can buy a second hand one at a thrift store or a pawn shop, then head up to the local library and use their free Wi-Fi.
and depending on the cost of living in your city 20k to 30k may not completely disqualify you for public services like food stamps, W.I.C., etc.
your sister is probably living above her means. i could live as though i was making 85,000, to 90,000, on 60,000. but people get caught up in that middle class trap of extending their credit, having more than what they need. a poor person will get a car at auction and be done with it, and save their money and make repairs (or ride the bus/train while making repairs). a middle class person will go out and get a rental car while their car is being worked on; still has to pay out of pocket for those repairs, still has to pay a $900 note on the car. she might have a thing for designer clothes; it is nothing for a middle class person to spend several hundred on Gucci, Dior, etc. on a credit card and not feel the repercussions for doing so for several months. i'll go to the thrift store and try to find it for $50.
yeah it is inconvenient being poor, and a job within itself, but it is the reality for a lot of Americans. so many get caught up in the hustle of being poor they never get anywhere over the long term though.
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