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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

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Milan
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I will never understand, why US people never fought for NHS. They can fight for every small stupid things (sorry) but not for important thing like this? I hope you wife is doing well now.

johanna_zamora avatar
Grumble O'Pug
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Oh, it’s easy to understand: conservative leadership has one master which is the corporations. The conservative agenda has used triggers like abortion, religion, fear if communism, fear if unions, and fear if change as a weaponizer of their voting base. This has been going on since Reagan war invoking lowering taxes of the wealthy (how he got thrust into Californian politics in the early 60’s) and deregulation. Foot shooters not understanding that they are the government brainwashed into thinking their needs are subservient to corporations

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Lucifer
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

The US systems(Health, Education, other public services) are all greedy capitalist systems. Only meant to serve the people at the top 0.1%. As Carlin said "They want more for themselves & less for everybody else".

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Ally R
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

So much for the 'American Dream'. I grew up wanting to live in the states, believing it was the most glamorous place on earth. As an adult, I'm glad I didn't leave the UK. We have our faults but knowing I have free healthcare and a benefit system should things get awful is a blessing.

ellen_prior avatar
Ellen Prior
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

How much longer do you think the NHS can last under the present government? They have underfunded it for many years and are now in the process of quietly privatising, one bit at a time, flogging it off to the same US corporations that overcharge and under-serve Americans.

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kjorn
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

american could finance great healcare if only they cut their military budget by 5%

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Simon Lyngbo
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Let me correct that for you. If they cut it by 0,5%. Yes, that is how much money the US army is using. That amount of money going to healthcare, could literally give them the same benefits, as northerneurpean and scandinavian countries gets.

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Caro Caro
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Aw, I really feel sorry for these people. Universal and free healthcare is a basic human right!

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Ivana
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I was talking to my father's hospice nurse and honestly just in aw of them and how they dealt with death and grief everyday and said how hard that has to be and thanked them. The nurse said that she handles it well except for the young people. She said they get a lot of young people who could have lived but are in hospice care instead because they couldn't afford treatment. People in their 20s that could have been cured, even had insurance, but she is helping them die slowly instead.

finskilad avatar
TmKhr
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

It's heart breaking reading stuff like this. We have UHC, you don't need to become poor to get professional medical treatment.

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Juan Ortega
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

My God, how painful... In ANY OTHER INDUSTRIALIZED COUNTRY in the world, they would have spent almost zero...

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Sathe Wesker
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

One reason I'm glad that I'm Canadian. Spent 9 days in ICU last December, lots of Iv's and sedatives, didn't pay a dime.

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Sapna Sarfare
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Been there.... i had invested well... Early detection saved me but my investments are wiped out. Thankfully, no debt. But the sword hangs on my head... what if? In India, the only thing good is healthcare is cheaper with generic medicines literally saving lives...

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The Cute Cat
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Healthcare should be something that always on every body's ability to pay. USA Healthcare system is a cancer

idrow avatar
Id row
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

In 2019 there were 530,000 medical bankruptcies in the US. Politicians don't care because they get top shelf insurance with the job. Make them pay out of pocket, make lobbying illegal and watch how fast we get socialized health care.

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Marcy Brown
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

100% I was also told that in order to get a "good job" I needed a college degree. So, I went and got a college degree, turns out companies didn't get that memo because I can only find contract positions with no benefits. YAY CAPITALISM. /s

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jk nbt
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

add to that the $2500 bill for a 2-mile ride in an ambulance

alexhead avatar
A Head
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

My wife had cancer and, over the course of 1.5 years, we were out-of-pocket $50,000 - and that's with insurance.

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Jjiinnee
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I love this country. This country isn't the health care system, which is morally corrupt. I hate the small few who control the vast majority of the population, and everyone and anyone who thinks a politician, no matter what side they are on, gives a darn about you.

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Lovin' Life
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Such a sad situation! Why can those without insurance can have their bills reduced 78% when having some type of surgery or other medical service provided, But those with insurance have to pay the full amount? The medical field rapes the insurance companies constantly. With my insurance, my upcoming surgery is gonna cost 36,000 but my insurance would not approve it. Out of pocket, without insurance, I only have to pay $6,750. Why???? If they can do it at a lower cost for the individual then why not for insurance companies? We pay out the a** for insurance premiums year after year and many people never really have to use it but such as myself, after years of premiums, I am denied coverage for a much needed surgery. So here I am having to dip into my funds that are set aside for the future. What am I missing here? Where is the justice in that?

kjkoopmans avatar
Pudgy Panda
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Even the fact that an insurance company is making decisions on whether or not they will cover what your physician has decided is necessary treatment for you is obscene.

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Neil Bidle
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

America: where poor people should just die quietly if they get ill

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Heather Evans
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I got breast cancer at 36. I was a low income single mom of 2. My family was on Medicaid. Until then Medicaid was all about getting regular check ups and vaccines for the kids. Then all of a sudden I needed 10s of thousands of dollars worth of chemo and surgery. And I felt so PRIVILEGED to have Medicaid. I just want everyone to have the same access to life saving care.

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bdunbar@kcls.org
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm so sorry. Early 60's and living on our savings last few years (thankfully, we had some) Everything we've worked for, modest as it is, is dwindling. We both are facing disabilities and I'm trying to work as long as I can for insurance after 2 failed spinal fusions. Saying you're not alone in this seems just so very sad and wrong. Please take care.

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Jomo
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I cannot imagine having to pay for essential health care. It baffles me that there are people in the US actively fighting against free health care.

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pat manna
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

i had someone ask "but, has your ira ever looked better? i laughed and told her it was cute she thought i still had an ira after paying for health care and operations for 10 years.

jcdewar avatar
Jonah Dewar
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I knew you were american in the first sentence. Friend of mine has leukemia. Thanks to canadian healthcare, she'll live long enough to watch her kids grow up and have kids of their own. She DOES NOT pay the 5k a month required to keep her alive.

stevewilson_3 avatar
Steve Wilson
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

But you haven’t been listening. Republicans want you to know & understand that the United States has the greatest healthcare system in the world. Criticizing it is downright unpatriotic, I’m told.

master_minds9 avatar
denzoren
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm really sorry about this and I feel like a lot of us are heading down this road.

ralph_burton1 avatar
Ralph Burton
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I feel so sorry for you and realise how lucky we are in the UK

nicole_25 avatar
Nicole
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Time for all of us to change on thinking about America and how we treat our citizens

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Mart Se
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Imagine if same thing was with fire dept. Sorry ma'am, with that kind of credit score we cant send you a fire brigade. But we can offer you a very good bucket for a decent price.

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Iara Ra
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Americans only criticize their system when they are on the loosing end. Otherwise they say they do not want to pay for healthcare others will be using. Sad.

allenlavine avatar
Allen Lavine
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Yes I know it's real I was in a wreck Saturday night and my spinal cord was rip to pieces it took 2 surgeons 12 hours to put it back together now I been in the hospital since then then when I leave here Tuesday to go to rehab for a few months I know I'm going to have to start a go fund me account if anyone knows any places I can go to get help with this bill can y'all please let me know

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Mary Ross
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

We are now and have been an oligarchy---only a revolution can fix that.

kjkoopmans avatar
Pudgy Panda
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

This is just heartbreaking. My husband had brain surgery and was in the hospital for a month in 2016. I have had 21 surgeries including two joint replacements. Our total out of pocket costs were for copayments on medications, crutches, a walker and physiotherapy, all of which was tax deductible. I cannot imagine having to go through the anguish of medical problems and losing everything I’ve ever worked for because of it. I’m grateful I’m a Canadian.

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Meami
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

We’ve been here. It took us years to recover financially from a cancer diagnosis and treatment. And we were lucky: my husband survived and we eventually recovered financially. The US health care system is a mess.

dannyruiz avatar
Danny Ruiz
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Somehow, someway, Insurance Companies ended with a bottomless coffer of Billions of Dollars, and the medical professionals pharnaceutical companies have access to these dollars. And we US citizens are all billed to support this out-dated system. I have no idea how anyone can change this Massive exchange between all entities. Does anyone?

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Lyn Moffett
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Fkn disgusting that health care costs in the good ol u s of a.

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Angelica Bayflower
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm single no kids. If I get that sick, I'm over and out. Leaving my assets to a non profit. No chance am I going into bankruptcy to give all my belongings to for profit health care system.

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Tamra Stiffler
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I don't even know where to begin. This story is all too commonplace, and trust me when I say, Americans do NOT agree to this terrible system of healthcare. Our government representatives do not represent the people, nor have they for some time. Our government has been bought by wealthy corporations. So yeah, we're a wealthy country, but all that wealth is controlled by about 2 percent. The rest of us are just grist for the mill.

stevensedwards avatar
Hannah Edwards
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

This is tragic, no one should be put in this position anywhere, but definitely not in one of the, so called, wealthiest countries in the world.

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Legen ( wait for it ) dary
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Today I'm specially sensitive or you guys also felt like to cry reading this ? I prefer to think that at least she survived and her love brought him back out of the bitterness.

sjsmith801 avatar
Jay Smith
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

"Did everything we were told" except, evidently, obtained quality health insurance. My very basic health insurance plan has a $6000 annual max out of pocket. So even if I rack up a million bucks a year for cancer treatments, I pay exactly 6k out of pocket. This actually happened to my family when my son was born premature, we had in total over a million in billings and we paid out of pocket - wait for it - 6 grand. This post doesn't meet the logic test. It's probably fake.

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Mirek Hotový
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Come live in some countries that government servers the people and not the other way around, you know, outside USA. People don't feel a fake urge to praise liberty and anthems though.

johann_glocke avatar
Johann Glocke
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

"I want Doctors, Nurses, and other medical professionals to do ALL the things I just listed that I did, then work for free so I don't have to pay for anything."

johann_glocke avatar
Johann Glocke
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

"I want Doctors to do all the things I just listed, then work for free for me so I don't have to pay anything."

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Damon Tripodi
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

The problem with the healthcare system in the US is that the government got involved

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Kiran
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Why can’t the world’s superpower take care of its sick for free?🤷🏽‍♀️

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Oogiebogieaugiedaddy
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Biden's cronies are making taxpayers pay everything for all of the illegals crossing the border.

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Earle Doudera
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

hopefully we can learn from this. it might be better to take all that equity and savings and buy more income streams. i imagine with another home or 2 bringing in rent times would be a little easier.

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Yevvie ART
Community Member
2 years ago

This comment is hidden. Click here to view.

Sadly, countries with universal healthcare aren't any better. Most of drugs needed aren't refunded, most of therapies have such a long wait time cancer will - in most cases - kill you first. And you don't have insurance to fall back on. And most often have no savings either, because most of us are living month to month, often deciding which bills to pay and which you can skip each given month - impossible to save anything like that.

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Konpat
Community Member
2 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

That's the biggest BS ever. Most of Europe has "free" (i.e. tax-funded) healthcare with a very low self-pay limit of the expensive drugs, yes, there are waiting times for nonlethal diseases to assure that the cancer patients are treated first, and savings or insurance are not needed. Stop spewing this crap all over the place, universal healthcare is the ONLY human way for people to get healthy without becoming impoverished!

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A huge part of this community's charm is its inclusivity. "Much of the financial advice online and on Reddit is aimed at people who have varying degrees of disposable income, ability to invest, lots of free time, available transportation, no kids, a partner, access to credit, and beyond," the people running the subreddit write in its 'About' section.

"This is a place for people who do not have a lot, nor ideal circumstances, to help each other get by and hopefully move up in the world."

#3

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

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

_lizharvey , twitter.com Report

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Alex Luiz
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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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As of this publication, it has 847K members and if you relate to Poverty Finance's content, we suggest you join them too. "You do not have to be absolutely destitute to be here. Whether you are a single parent only pulling 10K a year, or a single person trying to get past student loans at 28K, you are welcome here," the moderators say.

"The goal here is to help anyone who doesn't have a lot of breathing room get to a place where they have stability, comfort, contingency, and maybe even a little luxury."

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#4

So True It Hurts

So True It Hurts

crazyjuice__ , twitter.com Report

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Ivana
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Otter
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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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We contacted the moderator team and one of them was kind enough to spare their morning break for us. Regarding the content on the subreddit, they told Bored Panda: "There are fewer themes and more cyclical subject matters that come up depending upon the time of the year and the current economic and social ongoings. Right this moment, questions about housing, the moratoriums, how to get an apartment with low credit, or whether even buying a house is within the budget of those who fit within the national and international descriptions of low income/poverty line."

As an example, the moderator took us back a few months ago when there were many questions regarding the Emergency Broadband Benefit program issued by the government. But with fall fast approaching, they think the subreddit will soon see questions about how to get supplies for students and questions on how to qualify for free or reduced lunches at school."

#6

Had A Good Laugh At This

Had A Good Laugh At This

YoungFunE Report

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V Martinez
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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TmKhr
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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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"Once we approach November to December, we will be fielding questions with regards to worries about being able to afford gifts for their children, how to survive the holidays if you are economically disadvantaged," they continued. "Year-round common subject matters tend to be where to find the resources for food, someone to handhold or direct on how to apply for SNAP/EBT, Section 8 Housing, the hardships of just existing in society this day and age and just looking for some emotional support from their economic peers."

According to the moderator, their community is mostly composed of those who have or are currently experiencing poverty. "Whether it's [someone who faces] generational poverty, long-term poverty, short-term poverty, or self-identify as low income for their various regions. We have those who have made it out and into the middle class but are still dealing with the after-effects of having experienced poverty short or long term and the problems that that in and of itself brings."

#8

Financial Health Is The Best Form Of Therapy

Financial Health Is The Best Form Of Therapy

caitiehannan Report

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Jo Johannsen
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Michelle M
Community Member
2 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Certified financial planner and frequent contributor to Forbes, Jeff Rose, agrees that there is no shortage of bad financial advice in this world. Rose finds it especially troubling when some of them become so widely spread, so championed, that people actually start blindly following them. The financial planner believes the most harmful tips are: 1. Never use credit cards; 2. Don't waste money on conveniences; 3. All debt is bad; 4. Getting a tax refund is bad; 5. Always get the 401k match; 6. Your home is your most valuable asset. Click here if you want to read Rose's thoughts on each point.

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Talking about bad financial advice, the moderator of Poverty Finance thinks it has to do less with authors and influencers being out of touch and more with the fact that one size rarely fits all. "More and more people gain access to technology that's being developed to give the everyman more access over their finances and their financial future," they explained. "Things that were previously thought to be the purview of just the upper class or left to the financial professionals who knew better."

But they wonder if it can also be a sign of gatekeeping: "Oh, you're poor? Then you have no need for financial advice, it won't benefit you or the maintenance costs made what amount you wanted to add in, too costly and pointless. You can't come up with 10k to open an investment account? They don't want to deal with you. Salary jobs usually come with a 401k, hourly jobs at McDonald's and the like generally do not, and so you're left on your own to figure it out because no one will help you."

The good thing is that technology might be starting to bridge that. "People realize that there are far more low-income and middle-income individuals with a willingness and ability to put away ten, twenty, a hundred, five hundred a month into an account. Who care about not having to work once they hit sixty-five. A neglected and overlooked economic subset who have a significant buying power en mass. But the advice isn't there from the usual places because their advice only works for the upper income. For the gross amounts of money vs the smaller amounts," the moderator added.

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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

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Andy Acceber
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Vorknkx
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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But the reality is a bit worrying. Financial literacy — defined as the knowledge and understanding of areas related to personal finance, money, and investing — has been in decline. In 2009, 42% of respondents were able to answer four or more questions correctly in a five-question survey on fundamental concepts of economics and personal finance. By 2018 this dropped 8 percentage points to 34%. What's even more alarming, less than one-third of adults understand three basic financial literacy topics by age 40, although many important financial decisions are made decades earlier.

Under such circumstances, (online) communities like this one might be doing society more good than we can imagine.

#14

Money Saving Tip!

Money Saving Tip!

TheBashBuzz Report

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MrOwlAteMyMetalWorm.
Community Member
2 years ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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#16

To Be Honest

To Be Honest

heyzo_ Report

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Konpat
Community Member
2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I come from a poor family and I am affluent now in my adult life. Boy is it fantastic to be able to buy stuff spontaneously without checking your account first! It's just such a huge relieve to not have sorrows about your financial situation. Makes a World of a difference.

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#23

Overdraft Fees Cripple People Already Struggling Financially

Overdraft Fees Cripple People Already Struggling Financially

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#24

It Never Ends

It Never Ends

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kjorn
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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...

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#26

It’s Almost Offensive, Right?

It’s Almost Offensive, Right?

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Trex
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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#28

Big Poverty

Big Poverty

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John Topper
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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DE Ray
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Vorknkx
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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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#32

Oof

Oof

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Vasana Phong
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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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#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

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Ozacoter
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Andrew Gibb
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Alex Luiz
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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Rebekah Krause
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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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#39

"Poor People Are Just Bad At Saving Money"

"Poor People Are Just Bad At Saving Money"

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#40

So True

So True

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Katia Wolfe
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2 years ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

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

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