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S/O Living Paycheck to Paycheck. Having no Food

Anonymous
Posted by Anonymous
  • 143 Replies
If you are poor, I mean you have posted about you having no money for food or your electric is gonna get shut off, here's some honest to goodness questions.I am trying to understand.

Do you have nothing to sell or pawn?

If you are in dire straits, why are you posting here instead of doing something?

Do you have a wedding ring? Tablet or computer you can hock? Is there nothing you can do to get some money to tide you over until that January paycheck? Payday loan?

What did you spend on Christmas so that you are dead broke today?
Posted by Anonymous on Dec. 31, 2014 at 9:12 AM
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Replies (1-10):
PPCLC
by AZ Lizard on Dec. 31, 2014 at 9:17 AM
5 moms liked this

I do sometimes wonder if part of the financial issues for a few of these women who've posted is because they just HAD to have Christmas presents under the tree for their kids?

The thing about selling stuff online is that it's not always that easy. Sometimes the selling market is great and sometimes it's dead.

Pawning...another idea, but, you're not always going to get that large of an amount of money IF that pawn shop even wants your stuff in the first place.

I would never recommend a pay day loan and because while it give temporary financial relief, the person taking out that loan will have to pay back all of that with interest. They'll ultimately wind up in a bigger mess, financially.

Anonymous
by Anonymous 2 on Dec. 31, 2014 at 9:17 AM
2 moms liked this

Payday loans are not the best idea. The interest rate alone will kill you for future months. I would not sell my wedding ring if I was in that situation. If you live pay to pay and you have to sell something one month to make ends meet wouldn't that also mean you have to sell something the following month too? Maybe the people posting are at work and on their break? Not every one sits on their ass whining and not doing anything. We live pay to pay, what comes in every month is what goes out every month. We have none left over for savings, etc. 

Our Christmas money for my child and my niece and each other was actually a gift to us from mine and my dh's parents. They gave us our xmas gift in the form of cash a month early so we could use it for xmas.

TheRingmaster
by on Dec. 31, 2014 at 9:20 AM
I think some are truly without anything of value.
Others I think live above their means.
Anonymous
by Anonymous 3 on Dec. 31, 2014 at 9:20 AM
Things happen. We had an emergency come up and are dead broke. Everything but our car insurance and groceries is paid for though. However, the kids are with friends fir the time being and are safe, I have enough to feed DH, and I can go without.
Anonymous
by Anonymous 4 on Dec. 31, 2014 at 9:21 AM
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Long ago I would watch people sell what few things they had for very little money and eventually have to spend much more to buy what they sold. To me sling the few nice things that you have for just enough money to get through a week is a long term problem for a short term solution to a short term problem. If you need $400 for a month of food, you have nothing long term solution wise for the months ahead and you sell your $400 computer for $150, your $300 TV for $100, your $400 game system and a few games for $175 you may come out a little ahead but you have only solved one small issue for this month and eventually you will have to spend $1000+ to re buy what you sold. That makes no sense!! We did at one point 30 years ago sell things, we learned what a bad idea that really was early on. The comic books, action figures and trading cards my husband sold for less than $100 are now worth thousands.
Anonymous
by Anonymous 1 - Original Poster on Dec. 31, 2014 at 9:22 AM
So starving or freezing is preferable to selling/pawning/payday loan?

I don't understand the logic.

Quoting Anonymous 2:

Payday loans are not the best idea. The interest rate alone will kill you for future months. I would not sell my wedding ring if I was in that situation. If you live pay to pay and you have to sell something one month to make ends meet wouldn't that also mean you have to sell something the following month too? Maybe the people posting are at work and on their break? Not every one sits on their ass whining and not doing anything. We live pay to pay, what comes in every month is what goes out every month. We have none left over for savings, etc. 

Our Christmas money for my child and my niece and each other was actually a gift to us from mine and my dh's parents. They gave us our xmas gift in the form of cash a month early so we could use it for xmas.

Anonymous
by Anonymous 5 on Dec. 31, 2014 at 9:23 AM
Honestly what I spent on Christmas is nobody god damn business. And nope I don't have shit to pawn.. you can't get a payday loan without checks and I don't have checks because they charge for them.
Anonymous
by Anonymous 6 on Dec. 31, 2014 at 9:23 AM
We pay rent in my parents basement $50-$100 dollars a month.

We live off pay check to pay check and still able to get food for the kids and other things they need. I go to school online part time. I still have my savings account money that can hold us over to. We just paid three phone bills that my husband had. And our current one.
Anonymous
by Anonymous 7 on Dec. 31, 2014 at 9:25 AM
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Your points are all valid.  I have a question of my own.  I have been in this position and I have gotten help ... I just wanted to add that.


It is now tax time.  Those that are the working poor usually get a hefty tax refund because of the EIC.  


Instead of blowing all of that money and splurging on crazy stuff, why not put at least half of that money away?  If you can't put it in the bank for some reason, why not put it on a pre paid card and freeze it in a bucket of water so you can't spend it without having to wait??


I am not trying to bash anyone, I am seriously curious.  I understand emergencies, I know that life happens.... I also know that when we did get back that huge refund, money was put away in case of an emergency.

Anonymous
by Anonymous 8 on Dec. 31, 2014 at 9:30 AM
They have money for internet apparently
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