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Google "how to save money" and you'll get 3,740,000,000 results, promising you will be able to save up for any purchase if you just give them a click and scroll through their ads. Oops, I mean, text. Move over Jerome Powell, nowadays even teenage TikTokers are experts on macro and micro economy. Or are they?

The members of the subreddit Poverty Finance: Personal Finance For The Financially Challenged don't think so. And when you look at their content, it becomes pretty difficult to disagree with them. These Redditors share actual financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. Oh, and they also torch pseudo financial gurus, burning their out-of-touch content to a crisp. My favorite.

So this time, as an introduction to the online community, we'll focus on the jokes and memes they've collected since getting together in 2018.

#1

Being Poor Is A Choice? If You Play By The Rules You'll Be Safe? Really? Tell That To Him

Being Poor Is A Choice? If You Play By The Rules You'll Be Safe? Really? Tell That To Him

OpeningCredit Report

Donna Watt
Community Member
5 years ago

I agree totally

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    #2

    Being Poor Is Expensive

    Being Poor Is Expensive

    rohantalbot Report

    the child
    Community Member
    5 years ago

    terry pratchett is such a good author

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    #3

    What A Lot Of "Frugal Bloggers" Don't Realize

    What A Lot Of "Frugal Bloggers" Don't Realize

    _lizharvey , twitter.com Report

    Alex Luiz
    Community Member
    5 years ago

    So true! Every time I read an article about saving money, I am already doing all of those things because I am poor.

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    #4

    So True It Hurts

    So True It Hurts

    crazyjuice__ , twitter.com Report

    Ivana
    Community Member
    5 years ago

    We picked a credit union because we made it clear that if we don't have the money, we wanted to be declined. No bank would agree to that but we found a credit union that promised they would not if we signed up for the overdraft protection. They got rid of it a year later without telling us, my husband was 50 cents short and our credit union allowed the cable company to try to run the payment 3 times in one day, meaning 3 overdraft fees of $32 for being 50 cents short. My husband gave a very impassioned speech in the lobby, about how they were their to protect our money and they had left us exposed, etc. Told them that our money was better protected in our mattress. The manager came out, agreed with my husbands logic and set us up a line of credit so if we don't have the funds in our account, it pulls from the line of credit automatically. No overdraft fees in 10 years. Highly recommend if you can find a bank who will set that up for you.

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    #5

    Just A Holiday Reminder

    Just A Holiday Reminder

    GxldSociety Report

    Otter
    Community Member
    5 years ago

    That's how I think about unnecessary purchases. "Well, this coat will cost me three days work", or renting a movie will cost five minutes work, or and a possible vacation will cost two weeks work or whatever. Thinking about whether an item is worth the amount of work put into buying it really puts things into perspective!

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    #6

    Had A Good Laugh At This

    Had A Good Laugh At This

    YoungFunE Report

    V Martinez
    Community Member
    5 years ago

    Love this! I think I'll go out today and invest in some avocados. I finished my last investment (bananas), and want a change now.

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    #7

    *Sad Noises*

    *Sad Noises*

    eleanormtweets Report

    TmKhr
    Community Member
    5 years ago

    This is exactly my situation. Rent is almost 900e/month. If I somehow managed to save 4000-6000e, I could ask for a loan at the bank and buy a nice place at 120k. And pay that 500e or something a month for 25 years. But I can't save much because my pay is 1900e / month and over half goes to rent and bills.

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    #8

    Financial Health Is The Best Form Of Therapy

    Financial Health Is The Best Form Of Therapy

    caitiehannan Report

    Jo Johannsen
    Community Member
    5 years ago

    Money doesn't buy happiness, but it does buy food, housing, heat, clothing....

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    #9

    Can Anyone Explain Where My Starbucks Money Is Going?

    Can Anyone Explain Where My Starbucks Money Is Going?

    MattBellassai Report

    Michelle M
    Community Member
    5 years ago (edited)

    Not drinking enough coffee. You could be a billionaire when you're high on caffeine. Infact, you could be anything.

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    #10

    Pretty Much

    Pretty Much

    InternetHippo Report

    ravina nimje
    Community Member
    5 years ago

    Mine too, literally half of what I earn.

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    #11

    Stress

    Stress

    jfitzgeraldMD Report

    Grumble O'Pug
    Community Member
    5 years ago

    At least someone is getting that info to doctors

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    #12

    I Know Many Of Us Are Taking Responsibility For Our Part, But...

    I Know Many Of Us Are Taking Responsibility For Our Part, But...

    wendi_c_thomas Report

    Andy Acceber
    Community Member
    5 years ago

    The lie that all poor people are poor because they're "bad with money" needs to die.

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    #13

    It’s Not That Hard

    It’s Not That Hard

    TheAndrewNadeau Report

    Vorknkx
    Community Member
    5 years ago

    I am devastated with guilt that I wasn't born to rich parents. What was I thinking?!?

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    #14

    Money Saving Tip!

    Money Saving Tip!

    TheBashBuzz Report

    MrOwlAteMyMetalWorm.
    Community Member
    5 years ago (edited)

    They are not everywhere.Distance costs money but the peace and books are worth more than anything. *sighs

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    #15

    Me, Organizing My Finances

    Me, Organizing My Finances

    min_mus Report

    Auntriarch
    Community Member
    5 years ago

    Snort-laugh!

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    Never miss a story that brings joy to the world. Add us on Google

    #16

    To Be Honest

    To Be Honest

    heyzo_ Report

    Mark Melton
    Community Member
    5 years ago

    Growing up poor, you learn that what the world sees as junk stacked in your yard, is actually the only bank account that you have. Thus, the ads on blocks in the yard, the scrap steel, the old lawnmowers. You know that as soon as you get rid of something, you will need it, and can't afford to buy it. You pass this knowledge and insecurity on to your children without even realizing it. America is NOT the home of the free, and the brave. It's the home of wage slavery, and politicians picking away at what little you have left. It's time to change things. For the better, for everyone except the 1%.

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    #17

    I Felt That While I Laughed

    I Felt That While I Laughed

    savvysims Report

    Andrew Gibb
    Community Member
    5 years ago

    I'd laugh, but this isn't funny

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    #18

    I’ve Never Felt More Prepared

    I’ve Never Felt More Prepared

    SomebodysColdOne Report

    Michelle M
    Community Member
    5 years ago

    Better still, 'experienced poor'

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    #19

    Ain’t That The Truth

    Ain’t That The Truth

    angellenise Report

    Legen ( wait for it ) dary
    Community Member
    5 years ago

    That's what I say to people who say that.

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    #20

    Poverty Marriage

    Poverty Marriage

    joeygllghr Report

    Bacony Cakes
    Community Member
    5 years ago

    They had us in the first half.

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    #21

    One Star

    One Star

    pizza-bunny Report

    alwaysMispelled
    Community Member
    5 years ago

    I have never felt so seen, Lol

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    #22

    Amirite

    Amirite

    AndThenChineseFooood Report

    Ozacoter
    Community Member
    5 years ago

    Or illness

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    #23

    Overdraft Fees Cripple People Already Struggling Financially

    Overdraft Fees Cripple People Already Struggling Financially

    the_razzlesnake , twitter.com Report

    Lovin' Life
    Community Member
    5 years ago

    It's just sad! It's like you're being punished for being poor.

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    #24

    It Never Ends

    It Never Ends

    emericee Report

    kjorn
    Community Member
    5 years ago

    yeah... they're always people who says cut down your holidays, your trip, your eating out to save money... damn... i don't do any of those things where can i cut???

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    #25

    Well, It's Technically A Phone Number...

    Well, It's Technically A Phone Number...

    thebestbobever Report

    Grumble O'Pug
    Community Member
    5 years ago

    Laughing and crying at the same time

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    #26

    It’s Almost Offensive, Right?

    It’s Almost Offensive, Right?

    UpYours003 Report

    Trex
    Community Member
    5 years ago

    Why do companies ask people who have significantly less $ than said company to donate? Donate your $ big companies.

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    #27

    Santa Won’t Bring Me Rent Money

    Santa Won’t Bring Me Rent Money

    RobbieDigital88 Report

    ravina nimje
    Community Member
    5 years ago

    Well spent money.

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    #28

    Big Poverty

    Big Poverty

    BenjaminPDixon Report

    John Topper
    Community Member
    5 years ago

    Of course there is. Nothing easier than taking advantage of someone who can't afford to fight back. It's the socioeconomic equivalent of beating up crippled people.

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    #29

    Finally Figured It Out

    Finally Figured It Out

    uhhdamn Report

    DE Ray
    Community Member
    5 years ago

    My work took out a life insurance policy on me because I was "so valuable to the company". It was for seven times what they paid me annually.

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    #30

    It’s Fine, I Didn’t Want To Have Fun Anyway

    It’s Fine, I Didn’t Want To Have Fun Anyway

    pennhardaway Report

    Vorknkx
    Community Member
    5 years ago

    And even if there is no engine ot check, something else will always pop up... like a mysterious new pain in a body part that used to work fine before.

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    #31

    Breaking News! Millennials Are Still Poor

    Breaking News! Millennials Are Still Poor

    gangbangkang Report

    James016
    Community Member
    5 years ago

    Also, bears poo in the woods

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    #32

    Oof

    Oof

    Sugm4dig Report

    Vasana Phong
    Community Member
    5 years ago

    Well if you want to look on the bright side of things, we poor folks are always ready for that struggle battle, and come out of it alive until the next one comes along

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    #33

    Here’s How To Pay Off Your Debt

    Here’s How To Pay Off Your Debt

    ariel_rubinstein Report

    Grumble O'Pug
    Community Member
    5 years ago

    No moves available

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    #34

    Save Half Your Paycheck, Regardless Of Whatever Else You Have To Pay For, Regardless Of What You Earn, I Guess

    Save Half Your Paycheck, Regardless Of Whatever Else You Have To Pay For, Regardless Of What You Earn, I Guess

    Iusemyhands Report

    Ozacoter
    Community Member
    5 years ago

    Lets see. I earn 0 euros a month and need to spend minimum 90 euros/m for insurance, plus food, medicines, doctors and other expenses. How much will I have if I save -100 euros a month?

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    #35

    And It Also Doesn't Have Debt

    And It Also Doesn't Have Debt

    InAFloodplain Report

    Andrew Gibb
    Community Member
    5 years ago

    Pigeon breast cooked in a herb and cracked pepper butter, with a red wine and plum sauce reduction on a bed of sorrel leaves. And $20 to spend on drugs and alcohol.

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    #36

    Two Ways

    Two Ways

    viachicago22 Report

    Alex Luiz
    Community Member
    5 years ago

    I have just been able to retrain for a job that will pay me more, with a government grant and £10 000 of debt. I mean, I worked hard, but essentially I paid for a qualification in order to earn slightly more money, which I will now spend several years of my life working off. I do wonder if it was worth it.

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    #37

    This Hit Me Hard

    This Hit Me Hard

    bonoboalien Report

    Rebekah Krause
    Community Member
    5 years ago

    YES. Double if you have a sibling doing better than you, that your parents like better, but you’re still the retirement plan.

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    #38

    Game Stop Stock

    Game Stop Stock

    JUSTINtime4aLAF Report

    Grumble O'Pug
    Community Member
    5 years ago

    Gamestop

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    #39

    "Poor People Are Just Bad At Saving Money"

    "Poor People Are Just Bad At Saving Money"

    saul2015 Report

    Lovin' Life
    Community Member
    5 years ago

    The rich are just too good at taking poor man's money

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    #40

    So True

    So True

    nokia621 Report

    Katia Wolfe
    Community Member
    5 years ago

    There are only houses in this price range in some states. Definitely not California!

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    #41

    This Hit Close To Home

    This Hit Close To Home

    blueholeload Report

    Legen ( wait for it ) dary
    Community Member
    5 years ago

    I never go forward if they ask for my bank account details for the free trial, if I go forward I put a warning /reminder in my calendar. And since I had to pay for things because I forgot to do the Kündigung = notice of termination. I sign the contract and at the same day I send the Kündigung for the future too.

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    #42

    Can’t Shame Poor People For Wanting Nice Things Too

    Can’t Shame Poor People For Wanting Nice Things Too

    gangbangkang Report

    NsG
    Community Member
    5 years ago

    "Nice things" in this case should also include paid time off work because we're not autonomous machines and need to recharge. "Nice things" includes the latest Matt Haig book (if that's what floats your boat - I just googled top popular authors 2020), because reading shouldn't be a luxury. "Nice things" includes a decent internet connection - needed for most things these days and if you want to spend 4 hours on YouTube, no one has the right to police that. "Nice things" does NOT automatically mean "latest iPhone" and I think that's where people's brain shortcut makes them push back against this opinion.

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    #43

    It's Time For A New Loan

    It's Time For A New Loan

    polon256 Report

    Lynn Morello
    Community Member
    5 years ago

    Poor persons airconditioning in a car. It is called 4/36. That is 4 windows open at 36 mph.

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    #44

    How I Feel About Overdraft

    How I Feel About Overdraft

    YoItsMCat Report

    Demi Zwaan
    Community Member
    5 years ago

    Are these numbers realistic? We pay interest here when we overdraw, but that’s not much. I overdrew a few 100 and payed 3 cents. Do you really pay 30 bucks for 75 cent overdraw?

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    #45

    It'll Ruin The Day

    It'll Ruin The Day

    brooklynmoon Report

    Ronualdo
    Community Member
    5 years ago

    Me every time i think about "travelling"...hahaha

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    #46

    In Trying Times Like These, It's Important To Remember This Advice

    In Trying Times Like These, It's Important To Remember This Advice

    temp_plus Report

    WilvanderHeijden
    Community Member
    5 years ago

    Or in a country where poverty means that you don't have a mansion or a multi million dollar sport car.

    #47

    Feels Bad

    Feels Bad

    ThePoorAlwaysLose Report

    Julie C Rose
    Community Member
    5 years ago

    This comment is hidden. Click here to view.

    The Planeteers are in the wrong order. :( Blondie’s supposed to be between the ginger and the Asian chick.

    #48

    He Gets It

    He Gets It

    JamilaAhmed Report

    DC
    Community Member
    5 years ago

    ... and then, some rich smartass will come over and say: "But then, you have time off of THREE jobs - while I only have time off of one!"

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    #49

    Not Big On Dave Ramsey But This Is Solid Advice On Car Buying

    Not Big On Dave Ramsey But This Is Solid Advice On Car Buying

    gangbangkang , www.facebook.com Report

    V Martinez
    Community Member
    5 years ago

    The car i can afford to pay cash for costs approx $1 and is likely a Hot Wheels. If, by a miracle, I were to save up a few hundred for an old beater car, I'd prob spend more money in repairs and duct tape holding it together, as my kids push it down the road to get to school. So, I go into debt to have a reliable car, where my kids can actually ride inside of it.

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    #50

    Paying Rent With Cash Really Puts The Cost Of Living Into Perspective For Me

    Paying Rent With Cash Really Puts The Cost Of Living Into Perspective For Me

    iamalmostpatient Report

    June
    Community Member
    5 years ago

    Paying my rent is 7 days of work (my place is smol). Also puts things into perspective.

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    #51

    It Never Ends

    It Never Ends

    KaleBrecht Report

    Heather Menard
    Community Member
    5 years ago

    This comment is hidden. Click here to view.

    Now with you tube check engine light isn't as bad as it used to be. I watch how to fix it. Then I fix it.