(Closed) 5 Things nobody tells you about being poor…

posted 6 years ago in Money
  • poll: I totally relate to...
    #1 Always in survival mode : (47 votes)
    27 %
    #2 When your next disaster is just around the corner : (45 votes)
    25 %
    #3 No credit history... but that's not fair! : (24 votes)
    14 %
    #4 Payday loans : (5 votes)
    3 %
    #5 ... but that's my own money! : (17 votes)
    10 %
    None of them... I've never been poor/that poor! : (26 votes)
    15 %
    None of them... when I was poor then I was WAY too smart for any of those tricks! : (13 votes)
    7 %
  • Post # 3
    3303 posts
    Sugar bee

    Everything except three. I finally got a great job three years ago after graduating college so I am not hurting like this any more but yeah. From my horrible financial past, everything but #3

    Post # 4
    2450 posts
    Buzzing bee
    • Wedding: October 2012

    ugh, i remember reading this article when it first came out. it’s so very true… especially #1 and #2.

    right now we are driving as carefully as we can because our car’s struts are shot and we can’t afford to get new ones until after the wedding.

    we also have a small stockpile of noodles and canned crap food for when we can’t afford groceries.

    Post # 7
    10714 posts
    Sugar Beekeeper
    • Wedding: June 2012

    Oh yeah… I can definitely relate to 1 and 2. Were doing slightly better since we no longer have any entertainment no tv, no internet. I got a Virgin mobile phone with unlimited internet though so we do have contact with the outside world and all. Lol. Rent keeps going up as does everything else except our paychecks. My Darling Husband just took a second job. Hopefully we’ll be doing a lot better soon but I grew up poor, poor is all I’ve ever known and I’ve lived alone so I know it from every angle.

    Post # 8
    2778 posts
    Sugar bee
    • Wedding: July 2013

    1,2 and 5.  I did 5 in college a lot.  After an epic disaster got both accounts into -300 and they were shut down.  

    Then I took a semester off school to regroup and pay off credit cards, and the negative bank balances. I worked about 70 hours a week didn’t have a single day off and didn’t manage to pay off a single credit card.  I had to pay off a loan to the school that they wouldn’t let me use my financial aid for. And I paid back a friend for a trip I took (well I needed to do something) and my minumums on my card were really high.  I made a whopping 300-400 a week if I was lucky.

    Fun thing is even though I paid off my negative bank balances (which I demanded receipts and letters for to show I paid it off) they didn’t come of my credit report.  I misinterpretted my credit report thinking they were there because I had gone past due at one time and only one showed up on the copy I could see.  So when I went to get a car they gave me a shitty rate and almost didn’t sell it to me, I luckily had those receipts I demanded and they gave me the car.  I also got them removed off my credit report.  So one of my remnants of my poor past is still around.

    I am poor again though because I was laid off.  I really miss my last job and my last salary but at least I was smart with all that money.  I paid off my high interest credit card in a month in a half instead of buying eating/buying groceries etc.  Now I dont use that card at all.  Hopefully I will get a job before unemployment works out or I will be right back to being forced to use that f*cking credit card again, because unless I get a job that pays that well again it could take ears to pay off this time.  Oh and the window doesn’t work in the car with the crappy interest rate and I can’t afford the 100 bucks to get it fixed with the waranty. ARGH!

    Post # 9
    595 posts
    Busy bee
    • Wedding: February 2015

    1 & 2, but we’re finally at a turning point where we have money leftover to put aside, so that’s awesome. We’re getting ready to move, can afford netflix/cable/internet, and pay them all in full every month and it feels great!

    Post # 10
    3296 posts
    Sugar bee
    • Wedding: August 2013 - An amazing non-profit retreat

    After having been poor for years, we finally are on our way out and up *fingers crossed* and I can really relate to both of those articles.

    Post # 11
    1446 posts
    Bumble bee
    • Wedding: May 2012

    Ooooh I definitely relate to 1 and 2. Now, my husband just got a well-paying job and for the first time in my life, I’m above the poverty line. I still have that poor person syndrome though. I can’t buy in bulk because I have that mindset, “12 paper towels? Dude, I only need 2 to get me through the week” even though the bulk paper towels are way cheaper. Or, I got sick last month and was whining to my mom about how terrible I felt and she goes, “Why don’t you go to the doctor?” And then it hit me…I HAVE HEALTH INSURANCE NOW! I can go to the doctor when I’m sick!!!

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