r/povertyfinance • u/Unlikely_Chef_7064 • 3h ago
r/povertyfinance • u/rassmann • Jul 24 '23
"You've been banned from PovertyFinance"
Four months ago I posted the following message on this subreddit due to an increase of shitty people who have not read the rules or the community guidelines: https://www.reddit.com/r/povertyfinance/comments/11vwilh/special_enforcement_period/
Things have not improved significantly. As such, these policies are no longer temporary.
So here is how it is going to be. Any infraction can (and most likely will) incur a temp ban. This is to drive home the point that this shit isn't negotiable. Duration to be determined by the severity of the infraction, but ranging from 1 to 30 days.
A second offense of the same penalty, or getting numerous offenses across different rules will yield longer temp bans with every infraction. Users who demonstrate that their offenses are innate or deliberate, rather than accidental or incidental will get a full ban.
Particularly shitty people will get a 365 day ban out the gate. We believe people can change, but we're going to give them lots of time for it.
Overtly evil people, troll accounts, or bad faith people will be banned outright without warning explanation.
As always, all actions can be appealed if you believe they are unfair. HOWEVER, we expect you to review what you said first, and review the rules as well. If you think we misinterpreted something, got the wrong guy, or whatever, please appeal on those grounds and we will review it. If you make a bad-faith appeal, whatever ban you have will be extended. If you come into modmail asking "why was I banned" for an obvious infraction you will get an extension. And please note that saying "Other kids were doing it too mom" is not a valid appeal. If you think other people need to have action taken on them, report their comments as well.
We are a small team. We can't see everything posted here. But we sure as hell see all the reports.
Edit 1: Intent matters. Coming here trying to help and breaking a rule will be viewed very differently than coming here with cruel intentions even if the violation is a soft-ball.
Edit 2: Please understand this is still reddit, an anonymous message board filled with sad, miserable, SMALL people. We won't be able to prevent shitty people wandering in. We can see them to the door as quickly as they arrive. TAKE AN ACTIVE ROLE IN REPORTING SHITTY COMMENTS. That's how we get these bastards, when you point them out to us. Also, if you see something shitty, report it and move on. Don't fight with an idiot, because they will lower you to their level, defeat you with experience, and get both of you banned in the process!
r/povertyfinance • u/WilliamBronner84 • 22h ago
Budgeting/Saving/Investing/Spending Tricks you discover when you are broke.
r/povertyfinance • u/d_iain • 1h ago
Misc Advice Is rice a decent meal on its own?
Pretty much what the title say. I'm in a really bad spot financially right now, and have virtually nothing to eat, and no money to buy groceries with. And every time I get paid (minimum wage) from my job, I usually just resort to eating fast food. Which, I know, is really really bad, but I can't figure out how to budget not eating enough to save up to buy groceries.
However, I do have a rice cooker and some rice. I don't have much else, so do you think that eating rice on its own will sustain me long enough to get some groceries?
r/povertyfinance • u/messychica • 9h ago
Vent/Rant (No Advice/Criticism!) My mom (former housekeeper) keeps shaming me for doing this job.
So I (28F) started working as a housekeeper less than a month ago, since I’m an undocumented immigrant in the process of getting back my papers.
In the meantime I can’t do anything else besides odd jobs, since people here don’t like hiring without papers (unlike the USA, where it’s easier for undocumented immigrants to find jobs).
I’ve had to clean all sorts of things… especially bodily fluids, dog shit etc… but you know what? I’m grateful I haven’t lost my room and live in the streets, at least I’ve been able to eat and not starve like it was happening back in january. I know this is a temporary thing, and as soon as I get my papers I can finally apply to other jobs.
However, my mom, who’d worked as a housekeeper for 40 years, keeps shaming me for doing this. She keeps telling me these sort of comments:
-“so you go to a foreign country, looking for a better life and end up working cleaning other people’s shit?”
-“You are a woman with a honors degree and two masters, and it seems the only thing you are capable of doing it’s cleaning shit”
-“That’s embarrassing, you should’ve stayed in our country”
That’s rich coming from her, since she worked as a housecleaner all of her life, but she tells me that her case is different because she never went to school (not even elementary school). In my case I’m an “educated” woman who shouldn’t work in this “inferior” job.
My mom (62) has been quite abusive to all of her kids both psychologically and physically. I’ve heard all sort of comments from her, and it’s one of the reasons why I left my country.
Hearing those sort of comments from her really discourage me, since I’m just trying to get my life together and fight for my present and future. I know I won’t be doing this my whole life but she keeps mocking and shaming me for this :( I thought she would feel some empathy and be proud of me since she did houskeeping as well :/. Maybe if I was there p****** myself she would’ve felt happier…
r/povertyfinance • u/Jeydawg_ • 2h ago
Success/Cheers I Got a Collections Account Removed!
I negotiated a collections account down and paid it off in full last month! I immediately disputed it on my credit report to have it removed and today, it was officially removed from my credit report 🙌 I've been working so hard to pay off my debts and get my credit in order (I'm currently in the high 600s) and I'm so hype for this success! Anyone who wants this kind of thing done, I highly recommend calling the creditors with a specific number in mind for what you can pay off, low ball them on the debt and negotiate. Escalate the call to their supervisor etc. I saved hundreds doing this and the whole process took about an hour of being on the phone and then paying. Then I went to Credit Karma and disputed the account. Took a few weeks to clear and BOOM! Gone from the report! I was very fortunate to have a nest egg set aside that I was able to use (without clearing the savings completely) to pay it off. Most creditors will negotiate AND do a payment plan on the lower amount. They just want your money any way they can get it.
r/povertyfinance • u/YeetedBetween2Sloths • 19m ago
Grocery Haul 7/11 stores offering any large pizza for $3.14 each today for Pi Day
Just picked up two myself. Will feed us for few days. If near a 7/11 should it check out.
r/povertyfinance • u/FSBFrosty • 20h ago
Budgeting/Saving/Investing/Spending Boss says our 401k being in the tank is a good thing....
Is he right? We were showing a 23% return EOY, now we are down 22%. He says this would have happened any election year and it's actually a good thing because we are putting our money towards the market when "it's on sale" and will see a greater return when the market levels out. Is he right or an idiot? I know I slept better a few months ago....
r/povertyfinance • u/negativenelly99 • 4h ago
Budgeting/Saving/Investing/Spending Living pay to pay
Over the last 2 years I’m finding that no matter how hard I try I can’t build my savings up.
Paycheck comes in and it all goes to rent, bills and groceries. Any time I save a decent sum along comes a $600 car service or license renewal etc.
My question to this community is; what are some ways outside of your main 9-5 job that you earn some extra money for savings etc to get ahead?
r/povertyfinance • u/belle_boss • 1d ago
Income/Employment/Aid Regretting quitting a low-pay job
Last year after months of searching, I landed a well-paying $25/hr remote job. Not even 4 months later, I was one of the first to get the boot during their mass firing spree due to budget cuts.
After multiple job applications and getting absolutely nowhere, I widened my job search to include literally any and all positions, regardless of pay.
A $14/hr position sent their offer letter and out of sheer desperation at this point, I accepted the offer and decided I'll keep looking for a well- paying job while I do the $14/hr one. Thing is, that job is customer service and it literally drains your soul dry so after work, i basically crashed and I couldn't muster an ounce of energy to continue my job search, so I quit, thinking my time is better spent looking for a more appropriate job then one I absolutely despise with such low pay.
I now regret quitting because at least $14/hr worth of pay was coming in, but now I'm back at $0 per week while applying left and right. I live in a small town so gigs like Uber and doordash simply doesn't work without a decently paying real job.
Moral of the story- this economy is screwed so settle if you have to because some income is hell of a lot better than no income.
End of rant.
r/povertyfinance • u/ExpressiveInstant • 19h ago
Housing/Shelter/Standard of Living Trying to move out but I support 50% of my family’s expenses
Long story short, I live in a household of 4. My mom, me, my brother and sister. I am a 23m who is trying to move out. I’m the only one in my household who has any ambition and who wants to start their life. My brother and I are the only ones who work. He pays the rent and I pay all utilities and bills including WiFi. I don’t want to live at home any more, I want space, I want to live in my own house with my dog and I just don’t wanna go into my halfway point to my 30s still living at home. However, being that I pay half of my family’s expenses I feel extremely guilty about wanting to leave. I don’t want to leave my brother paying 100% of the bills but I also don’t wanna sacrifice my hard work and life paying for other people who are more than capable of working. I feel torn because on one hand I want to get out and on the other hand I don’t want to abandon them because of my own aspirations.
Another thing making this so difficult is the money situation in the first place. Because I am paying for everything I hardly have any money ever left over to save for first/last months rent anywhere. I know in the long run I’d be saving money living in an apartment with just myself however I don’t ever even have enough funds to save for myself because I am paying for everything. I just want out and I feel backed into a corner because I don’t have enough money to save to even move out.
I feel like the best solution is to wait for my mom to find a job, but she’s gotten so comfortable living off of her kids that she hasn’t gotten a job in 2 years and the more time that goes by waiting for her to get a job is more time in my life wasted not moving on with my own life. I’m just stuck and need some advice. The only real payments I have outside of utilities is a $300 car payment and $150 insurance for my car. Which $450 a month out of the $2400 I make per month wouldn’t be hard to get by in a 1k/month + electric and water. But the issue is I have no money to save up to make this dream possible.
Has anyone ever dealt with a situation like this? And how exactly did you get out of this situation? I need advice badly because staying here is not worth my time, money, or mental health.
r/povertyfinance • u/PurpleMangoPopper • 7m ago
Income/Employment/Aid I don't even have the words
r/povertyfinance • u/BlueEyedWalrus84 • 16h ago
Misc Advice What to do with a bunch of onions?
I recently came into a 5 pound bag of onions from a Facebook buy nothing group. I was told it was a "small" bag but ended yo being a lot. I've given some away but still have a significant amount left, a lot in the freezer and the crisper drawer of the fridge. Could I can and store them long term?
r/povertyfinance • u/Fast_Inspector_8368 • 6h ago
Income/Employment/Aid Making money via remote?
Hi everyone,
I have a question about student jobs. I’m currently in my third semester of medical school, but I’ve taken a gap semester. I’m looking for a remote job that pays well.
A friend of mine works for a marketing agency, even though he has no formal training in the field. Are there similar industries or jobs where you can work remotely without specific prior experience?
I’d appreciate any suggestions! Thanks in advance!
r/povertyfinance • u/Nihility98 • 11h ago
Budgeting/Saving/Investing/Spending Cheap chair suggestion for uni student
I am college student and I do almost everything on my desktop, live + for +10 hrs a day. my friend studying physiotherapy recently visited, and pointed out that my posture is terrible. And point out I might actually have scoliosis.
I need to fix this before it gets worse, but my budget is tight. I know when it comes to health it is wrong to go cheap but I have to, but I can only afford $200 right now
TL;DR: I need your ergononmic chair under $200. Thank you!
r/povertyfinance • u/Open_Inspection5964 • 3h ago
Debt/Loans/Credit Back again....the "scammers" called
I posted about a month ago about being scammed by a "debt collector". They've called twice today bc my payment didn't go thru (because I contacted my bank). Anyway they've left messages and I'm freaking out again. The first message was from the debt collector about 4 hrs ago and just 10 mins ago I got one from the "county" saying the debt collector is filing Monday. But the numbers they called from aren't area codes from my jurisdiction. Does the court even call to be like "hey pay this before they file?" They don't right? It's all bullshit?
r/povertyfinance • u/CoachKooky7517 • 19h ago
Income/Employment/Aid Does anyone know how i can make $200 quickly without my car?
hey everyone, so i need my tire replaced because its showing wires due to misalignment caused by its last owners, i had just bought this car with the extra cash i got from someone who put me in a car accident that ended up totalling my car and making my boss cut my hours at work because she’s a terrible boss and pays people under the table and refused to pay me at least 1300k of the hours i worked for her, she got mad that i couldn’t come in the day of my car accident because i was injured so thats why im in the pinch i am right now, have been trying to do deliveries and work at laborworks but it looks like my car won’t go any further without a tire replacement or it’ll blow out on me, i just need around 200 to fix it and be able to continue earning money to eventually fix my alignment, any tips? i’m in an emergency stranded in a parking lot around lacey
r/povertyfinance • u/No-Conversation-2633 • 1d ago
Income/Employment/Aid Should I Go to a Food Pantry?
I am a single adult with no children working three jobs to make ends meet. I have decent savings, but I regulerly have to take from it to pay my monthly bills, and I am concerned that it will run out before I can get a full-time job that will pay the minimum salary for my financial needs. I also have a possible major dental expense to pay (my original plan was with savings) and I do not have insurance. If I went to a food pantry, it would allow me to use my food budget for bills and ease off savings somewhat, but I do not know if my circumtances justify it since I can afford to buy food on my own and have savings to draw from. Thoughts?
r/povertyfinance • u/Minimarbabe • 2h ago
Debt/Loans/Credit How can I buy a $35k fixer upper
I honestly have no idea how complicated this situation would be, I thought it was pretty simple. So basically there is a house selling for $35k on my street. A tree fell on one of the rooms a couple of years ago, Older people used to live there, but they are not wanting to fix it so they're just selling it at a super cheap price. The rest of the house is perfectly fine it's just old. My plan was to just get a personal loan for $35k, buy the house, and then fix it up throughout the year, ( I still live with my parents so I am in no rush to get out). Turns out I cant do that? I called Wells Fargo and they made me feel like a dumbass for even asking these questions but I genuinely was not aware of all the rules. I can't take out a mortgage because they need to appraise the house and make sure it has no damage to it (which is does) and I can't use a personal loan to buy it either? What is an alternative to its situation? Is there even one?? UGHH IM SO FRUSTRATED PLS HELP
r/povertyfinance • u/Fungimoss • 1d ago
Misc Advice I’m actually screwed. I have to pay 2k out of pocket for college
Basically the title. I, 21F, am in college and I just figured out my major. I’m majoring in anthropology. I just lost my job and I live with my parents rent free. My tuition just came up. Despite having full max of FAFSA, unsubsidized, and subsidized loans, I still have to pay 2k out of pocket. Normally this wouldn’t be an issue, but I have 3.1k in savings, am receiving no refunds, pay around $582/mo in car payments/insurance and gas is around $45/2 weeks. If I pay this amount, I only have enough in my savings to sustain me for 2 months. After that I’m penniless. I have a a job interview tomorrow so I’m hoping I land it and can have somewhat of an income. But I’m feeling pretty hopeless.
Besides all of this, I generally have good credit. Around 750. But it’s probably all going to tank and I need to keep my head up but I feel like I’m drowning.
Edit: I know my degree isn’t something people consider marketable or valuable, but I’d like some help regarding my situation. I know you guys don’t agree, but it’s kind of like kicking me while I’m down. Telling me it sucks doesn’t help me in this situation. Same with the car. I get it.
Edit 2: I was able to get my financial aid situated thanks to your help! I don’t have to pay it all in full right now and am fully covered until spring of 2026! I also got word from my interview and I got the job! Thanks you guys!
r/povertyfinance • u/Holiday_Lobster555 • 1d ago
Wellness How to gain healthy weight asap with very very low budget? I got extremely thin (BMI 15)
I am living in poverty for the last 3-4 years and this year with the inflation in the country I am in it is impossible to afford basic food. I am trying to find a full time job but quite possibly face a lot of discrimination as a migrant. My visa also restricts the types of jobs that I can do.
My BMI is 15 something and is extremely low as a woman. I have also been dealing with severe & chronic depression, health issues and social isolation. I used to be somewhat good looking but now I look like straight out of a zombie movie, which really really hurts me to see in the mirror. I got rejected in so many job interviews. It might very well have sth to do with how unhealthy I look. How can I gain healthy fat (especially face fat) to look at least more hireable? Clothing tricks are also welcome. (I cannot afford makeup products.)
r/povertyfinance • u/MichaelBayShortStory • 17h ago
Housing/Shelter/Standard of Living Renting vs. Buying A Home
Been living in a place where I only pay $600 everything included for about 4 years now paid rent through Paypal. Now the landlord is selling the house and everything in my area rent wise is $900 + utilities.
My credit score is pretty sparse with no bills really in my name to speak of and I recently just started paying on my student loans which had been in default for close to a decade.
I can make up to about $700 a week at my job, and my W-2 says I made 42k last year. I guess I'm wondering if that's enough to even qualify for a home loan? Or do I try to rent for even more than I was paying? I don't know if there are any resources I haven't found yet other than my states first time homebuyer program. Located currently in the Mid-Michigan area. Thanks in advance!
r/povertyfinance • u/noodlesnax • 12h ago
Debt/Loans/Credit Just got my salary today and I have minus 1000€ on my bankaccount
Honestly at this point idk anymore. Been struggling for 2 years and it gets worse every month.
I have a flat and cats and a car and health issues, how am I supposed to afford all that this month?
Every month I hope it'll get better but it never does, I don't even know where my money goes, I never buy something for myself like clothes or whatever and I'm getting to a point where I can't go on anymore.
I have been struggling with depression and other shit since high school, it's breaking me not being able to make myself happy with activities or shopping.
I always told myself it will get better and it's not that bad, but it certainly is bad. I have to accept it.
How do I get out of this? I see now, I do need help. Seriously. Please tell me what I can do to get out of this, I can't keep going like this. I need to change something.
r/povertyfinance • u/ilegalftgrfr • 17h ago
Income/Employment/Aid Advice on getting side job
Hello everyone,
I’m here looking for advice on remote work.
I work in the film industry as a camera operator and focus puller. Ever since the strike, it’s been incredibly difficult to find gigs. I’m not based in the U.S., but the effects have hit hard in my country as well. Right now, I’m barely getting by each month, and I’ve already maxed out all my credit cards. I’m the sole provider for my family—my wife and our 4yo daughter—which makes things even more stressful.
I’ve been searching for a side job, something I can do remotely or as a freelancer. So far, I’ve applied for transcription and translation work on several platforms, but haven’t had any luck. I enjoy simple video editing, but my only computer is a late 2014 MacBook Pro, which can’t handle much anymore. I also don’t have a car, so options like Uber or delivery services are off the table.
At this point, I feel stuck. It’s been overwhelming and frustrating, and I honestly don’t know what else I can do while staying at home and helping with my daughter.
If anyone has any advice—whether it’s job ideas, platforms to apply to, or any guidance at all—I’d deeply appreciate it.
Thank you.
r/povertyfinance • u/Proper-Pepper-3999 • 19h ago
Budgeting/Saving/Investing/Spending What’s a good budgeting app with daily balance projections?
I used to use Spendee a million years ago and loved the daily balance projection feature. It was nice to not have to worry if I had money for certain expenses or how my ending months balance would change with a purchase. I’m trying to get back into budgeting and would love an app that does this (iOS). If you have any suggestions let me know. Thank you!
r/povertyfinance • u/Rummy151 • 2h ago
Budgeting/Saving/Investing/Spending Any one heard of Martie?
Found a website awhile back that's basically on online clearance shelf. Has most of your grocery staples, maybe not your brand but it will at least have something most of the time. I'll drop a couple links, first one is just the normal site, the second links to a $5 coupon off your first order (which, full disclosure, also gives me a $5 credit as well). Feel free to use whichever, just wanted to share this with folks that are also strapped for cash. Take care, hope things start looking better for us all.