I hate being poor...

@MLLanser (162)
United States
July 11, 2007 1:02pm CST
I try and try to get money. I do everything I should, and I am still in debt. I actually had to borrow money from a guy at work today, just to get pull-ups for my baby. I need to get him potty trained! So anyway... I have tons of work from home things, and it is not working for me. I dont have the time or the energy to put into a lot of these things. Isnt there an easier way? Somethings gotta turn out right for me eventually, doesnt it? When is it going to be my turn to have all the things I want and need in life? Sorry about the rant, just needed to get it off my chest. I have a lot on my mind right now, dont know where to turn. So if you would like to reply, by all means go ahead. I dont really expect anyone to reply to this one though.
5 people like this
25 responses
@mkirby624 (1599)
• United States
12 Jul 07
First piece of advice, get rich quick schemes don't work, so don't rely on any of these "work from home" plans to get you out of debt. Do you have a budget? You need a budget and you to stick TO IT. What types of debts do you have? You should go see someone at your bank and ask for a bank credit card with a low interest rate or a loan with a low interest rate and let them know that you want to consolidate your debts. We had a Dell credit card that we had our computer on and the interest rate was outrageous. We were paying $50/month, and only $15 of that was actually going towards the debt. The rest was interest! We consolidated in December and will have all of our debts paid off at the end of this month! I also use the cash method. I take cash out for things like groceries, toiletries, and eating out. When the cash runs out, no more buying. It'll help you not buy $4 shampoo, and start searching for coupons to help you save money on groceries. If there is a Winn Dixie near you, start shopping there, as they have a discount card that saves me at least $40 everytime I grocery shop. I also make a menu for the month and just buy food to make those dinners, rather than buying a bunch of random things that end up sitting in your pantry because you don't have anything to put with it. If you qualify, apply for WIC to help out with your child. I understand your frustration, but what you have to understand is that getting out of debt is not easy and things aren't going to be handed to you. Getting to a good place in life takes hard work and you're going to have to sacrifice. It's not going to be your turn to have all the things you want in life until you buckle down and take control of your finances.
2 people like this
@mkirby624 (1599)
• United States
12 Jul 07
I want to make our income known, because I don't want you to think that we're rolling in the dough and that's how we got out of debt so quickly. My husband works part time in food service because he is in school full-time. I am a middle school teacher. I make in the low $30,000s. My husband only makes $7.75/hour. So we're not raking in the money. We struggle month to month just like everyone else, but we made sacrifices. We took a Dave Ramsey Financial Peace course that helped us manage our money, so now we control our money...our money doesn't control us.
2 people like this
@unclestan (152)
• Canada
12 Jul 07
Yes, it can be rough without enough cash coming in. I find the only thing you can do is try to control what you do have and spend it as wisely as possible. Sometimes we aren't aware of where our money is going,because we develop habits which are difficult to break. It helps to write down on paper where every dollar is going. Also look at ways to cut expenses. I recently had a decrease in income and made changes in the following areas: 1) Telephone-cut out those extra features like call-display,call-waiting etc. 2) TV - cut out cablevision and now watch only local stations. 3) Increased the deductible on my home insurance. 4) Stopped going out to restaurants, cut out daily coffee and doughnuts. 5) Stopped buying TV dinners and started to cook from scratch. Possibly you have done all you can with what you have to work with,in which case this won't be too helpful. From my personal experience, I found that when I was earning more dollars, I simply spent (wasted) more. I think we have to be extra carefully when times get tough! Good luck
@joice86 (1079)
• Philippines
12 Jul 07
I want to save more! - To be rich
Hi unclestan! Yep, you are right, when we have the money, we really spend it easily without really thinking about it. The only time we know how to save is that when we are already in need. Wow, your ideas of saving money were good and that it will help me also. I will try to save more, though at the moment I don't have a job yet, but one day I will all the things that you have said here.
@cher913 (25865)
• Canada
11 Jul 07
well not unless you become a millionair...but i hear ya, we are in debt up to our eyeballs almost (hubby was off work for a long time and now he is working but only making half of what he used to.) i work p/t outside of the house and work on mylot and freelance writing when i can as well. it is hard to get legimate work at home stuff, i know, i have tried...
1 person likes this
• Philippines
12 Jul 07
ditto. i'm resorting to mylot and freelancing for extra cash. what sites would you recommend? i mean some freelance sites don't pay up, really disappointing that i had to go thru a lot in putting up that article only to end up not getting paid.
• Australia
12 Jul 07
Hey, you are not alone. I feel your pain. I am in the same situation. It is all my fault, however, that doesn't fix the problem by just admitting it. Just do what you can do. My mother always told meP though I didn't listen. pay cash for everything, you will get a better deal and you don't have debt. NEVER EVER have credit cards if you are bad with money!! Every day, wash your dishes as each meal passes, do a load of washing and make your beds each morning. This worked for my mother with 6 kids. If you are financially damned, speak to friends and family who will no judge but can give you non judgmental input. The main thing I can suggest is never never give up on you. I am sure you are a loving parent and want the best of everything for your children. Remove yourself from negative things and people. Take one day at a time. I know it is so hard. But, you (and I) will get there in the end. Stay strong my friend!! And if ever you need to talk to get it off your chest, just vent, it is much better than keeping it inside. Wishing you happiness and health.
1 person likes this
• Philippines
11 Jul 07
I feel for you.. Though I dont have my own family yet, I still have the same situation as yours.. Im also poor.. Sometimes it seems unfair for people to be poor when they already exerted all efforts, all hard works, but still rewarded with more problems and more debts.. But dont worry friend... Just keep it up and everything would be fine.. Dont be tired working especially for your baby... opportunities will come and dont hesitate to grab em.. but be careful.. Let's not bring ourselves down.. Dont pity ourselves.. instead,,.. Be Proud! why? BEcause even if we're poor, we are not stealing from anybody, we are not doing illegal things.. WOuld you like to be rich, but the money you are feeding your family came from a bad doings? Take care ! and Goodluck to us!
1 person likes this
@sedel1027 (17851)
• United States
11 Jul 07
I have been in the same boat many times. Check out my blog, there may be some sites on here that you may want to try out. All of the sites pays out differently - daily, weekly, monthly - I hope you can find one that suits your needs. http://interesting-tidbits.blogspot.com/ Also, to get your little one potty trained faster - don't use pull ups! I know that sounds crazy, but if he is ready to use the potty (which I am assuming he is since you are trying, if he isn't your efforts won't work) skip pull ups, use regular underwear and take him to the bathroom on a schedule. We did this with my son and he was trained in a day. My brother has been trying to potty train my nephew for awhile (he is interested and does use the toilet) but since they refuse to not use pull ups, the kid won't full potty train (think about it pull ups are just glorified diapers).
@Dolcerina (3379)
• Hungary
14 Jul 07
Hi! Try it out and be very smart. http://www.worldinvestmentalliance.com/?ref=eniko I can not help you, but I am on the way to get some money too. Invest and take it back. Then try again :) Good luck.
• United States
13 Jul 07
Wow, look at that, you didn't expect anyone to reply and I'm on page 4! I can understand how you feel, in more ways than one. #1 potty training is hard, it takes lots of time and patience. It took 5 1/2 months to potty train my first son. My second son is 2, so next summer should be interesting. #2 Being poor...well I've learned a bunch about spending habits in the past 18 months and we are doing so much better because of it. It was a long road, but well worth it. #3 We have also done our share of work at home things. Right now my I'm thinking the same thing you are. I have spent countless hours trying to get something to work. I currently can't spend money if I don't have it, so that cuts out a lot of things. I am working on somethings now that are free to start and all of us doing it are in the same boat. I'm also having one of those days where it seems the sun is not shining. But I know it is, I just have to let this moment pass, tomorrow is a new day and I can't wait! I hope the clouds will move out for you and better days are in your forecast. Let me know if I can help you out!
12 Jul 07
Hey! buddy. Well, being poor is not good, actually, nobody wants to be poor, but sometimes the world is not fair, we need to try our best to get what we want, not complain or something, that can't help us, don't u think so? me, i'm a self-taught student, i want to be inderpendent, coz my parents are poor, they work very hard, i don't want to be their burden, so right now, i am doing a part-time job in a company, the salary is not high in the modern city in Beijing, but at least i can feed myself, after i graduated form college, i think things will be better. So believe in yourself, work hard, try to get what we want
@irisheyes (4372)
• United States
12 Jul 07
Actually, I think you are going to get a lot of replies to this one. You are not the only one who feels this way. We've all been there at one time or other. I hop you can take heart from the responses to this thred and hang in there. Things really do get better.
@diannebcrs (1549)
• Philippines
12 Jul 07
i totally understand what you're going thru. i mean i wish one day it would just rain money. what i'm doing now is i'm living within my means. there would be a lot of things that i'd want to buy but then i'd constantly remind myself of the meager resources i got. it's okay, be positive. i'm confident that there will be better days ahead for us.
@kimthedane (1000)
• Denmark
12 Jul 07
Being poor sure aint funny but the work of evil. But on the other hand being rich do not assure you happyness or satisfaction. Life is so unjust but still i will claim it is what you make it. It is possibe to be poor yet still happy. its all about attitude. I have like you tried everything going and found as yourself that i did not have the time needed to make just a few bucks daily. I am affraid the best thing to do is either take on another job or get some qualifications, which may make it possible to get a job with better pay. I know neither of this is easy, but still a better way of making money than anything you find on the web. Unless ofcourse you come up with a good idea for a scam and is able to pull it off. The only ones making money here and thats big money too are all those rutheless people with no conciense or consideration for other than themself and their greed.
• United States
12 Jul 07
I feel it too. I work and work all day everyday with no break at all to try and get ahead. I am still in debt but at least we are working our way out. We should be debt free when we are like 95 at the rate we are going but progress is progress. Just keep being tough and it will ease up as you go. Come here for support and get paid for it too.
@lingli_78 (12836)
• Australia
12 Jul 07
i am in the same boat as you as well... i and my hubby is in debt as well... we have car loan, personal loan and home loan... we try to settle one by one... but i always believe that God is good and His grace is sufficient for us... so i just be patient and depend on Him for strength day by day... i believe that one day our situation will improve if we want to work hard and keep our faith in Him... i will pray for you and i hope your situation will improve too... keep praying and trying... take care and God Bless you...
@Bobbz21 (155)
• New Zealand
12 Jul 07
Sorry for that, I know how you feel, I try to earn money from home and find it difficult as I try to wait for emails for work and nothing comes thru...I dont have a baby tho, so I feel for you it must be hard. I am in debt and trying to slowly repay it back but find it hard as funds are so low and with food prices going up and gas going up, its going to be real hard. I think just have faith in yourself and say things will turn out.
@diillu (5128)
12 Jul 07
Ohm, ya sometimes bad times comes and again good times rolls. Don't worry. I think I'm going throught the worst condition than you really are. I feel like dissappearing. But what to do we can't stop living. If i don't pay my tution fees within sometime then I'm going to be expelled. It is a big problem for me right now and I'm working hard to work it out.
@gloria777 (1676)
• India
12 Jul 07
Every one have debts in their life. But we should not loose our hearts or hate ourselves. Move forward and work hard. God will open a way for you. lol..
• United States
12 Jul 07
This may not help you make money but will help you make your dollar go farther. Do you use coupons? I can feed my family of 4 for about $100-$150 a month. Now mind you I don't have any in diapers but there are even coupons out there for them too! If you want more information on how to use them and get the best deal please let me know and I can help you :)
• India
12 Jul 07
man i live in "india " and india is a poor country everybody tries hard to work but everyoen is not succesfull india's population is more 110 crore poeple and in that 35 % are below 15 years of age and 40 % of total population is under 35 years of age so the problem of unemplyment rises and and hence india is poor which show sthe database that in india alomost very one is at their ownplace but the fact which cannot be ignored is india is teh next superpower.
@joice86 (1079)
• Philippines
12 Jul 07
Hi MLLanser, it's alright to say how you feel. I know how you are feeling right now, I am also like that. When everything seems to be hard for me, I always thought of being a rich person one day, but HOW? Well, maybe, lets take things one step at a time. For me, I am still 21 years old, I don't have a work yet at the moment, but when I will a work soon, I will save a lot so that one day I can really have the business that I want in life. Hope it will happen. I am also tired of being poor, well I am not really that poor, but then I want to have more.