Do you ever get so broke at the end of the month that you dont even have $1?

I hate being broke - I wish I had 1,000 of these!
United States
May 25, 2010 8:29am CST
I live on a very small Social Security check every month that by the last week of the month I'm totally broke! I just spent my last $2 on a quart of milk that will not last very long since I like having my 2 cups of coffee in the morning. I also have the bad habit of smoking and I know I should quit but I haven't been very successful at it yet and tried many times. I realize it's my fault I have no money because of the bad habit. Finances are bad for everyone these days and I don't know anyone I could even borrow from since they are basically in the same situation I am in. THis is why I belong to sites like mylot and survey sites. This month I've already redeemed everything I had from those sites but of course that went fast...lol! Do you ever find yourself in the same situation? What do you do, if anything to get yourself out of the hole you get in?
5 people like this
18 responses
@nixxi76 (3191)
• Canada
25 May 10
This week my money situation sucks because my work ended up taking off my health coverage and dental fees, then the government decided to take their peice of it as well. So my cheque wasn't all that great. I also had my bills to pay this time around. I'm not sure if you are willing and able but how about going to look for a job? I would suggest something with benefits and a union. I promise you that this will help you out of the hole you're in. Take care
• United States
25 May 10
Since I'm on disability working is not an option. I have a small job where I earn less than $15 and that's only occasionally when someone can't show up for their shift. I wait on Sr. Citizens in their caffeteria and that's the most I can do.
@GardenGerty (158001)
• United States
25 May 10
You might try some mystery shopping. There are types of shops that do not require any purchases, and you turn them in by computer.They can be kind of fun.
@sender621 (14894)
• United States
25 May 10
I always seem to have my financial freedom at he bedginning of each month. I have good spirits about it. by the end of the month, i seem to be scrambling. Bills and other expenses just seem to find their way into my mailbox.
• United States
25 May 10
I love the beginning of the month when I have money in my pocket! I try so hard to hold onto it that I do without a lot of things that I want or need. My bills are all paid at the first of the month so I don't have to worry about them.
@Bd200789 (2994)
• United States
20 Aug 10
I get paid every two weeks, and by the time I get paid again I am completely broke. I'm trying to earn money online, but I haven't had much luck with that.
@unique16 (1531)
• United States
26 May 10
Hello crtymuziklvr, When my children were younger and I have two of them when they were like 3 and 6 years old I was always short of money. I am getting better now. Once in while when they teenagers I would have to borrow gas money from them. Yea I am the parent. I apid them back... they worked hard for there money. Both of them have jobs. I am very proud of them and how far they came. Thanks and have a great day Sincerley Unique16
• France
26 May 10
Try doing list to sort out your monthly expenses! I've never been broke before, because thank God, I was brought up in a family where we watch our economic status minutiously each day :)
@ada8may21 (2405)
• Philippines
26 May 10
I have not experienced it that I dont have even $1 on my wallet or pocket. Even if I have lots bills to pay and my earnings it not enough and sometimes I just need to meet both ends. Since my work is really near in our house, I always see to it that I would not spend any dime for my transportation in a week so that I could save it for the payment of the bill. We have free breakfast and dinner in our company so the problem is lunch. I just have to eat less for my breakfast and save it for my lunch and if I feel really hungry I just have to drink water enough for me to save until the dinner time.
@chrislotz (8137)
• Canada
25 May 10
I used to be in your shoes. I changed my life so that it never happens to me again. But then my situation was quite different then yours and you really can't change your situation to make things better. All I can say is I hope that things get better for you soon, some how. I know how it feels to have no money and no smokes or food or milk. Next month when you get your check, maybe buy some cheap coffee whitner so you have some at the end of the month to replace your milk. I know you can buy a pretty big jar of no name brand at Walmart, for about $3.00 and it would last you a year if you only used it when you ran out of milk. Good luck in whatever your choices are.
@Hatley (163781)
• Garden Grove, California
25 May 10
hi ctrymuziklver oh yes I used to be that way too as my social security check is small indeed then we both,my son and I, were broke, got behind on rent as he had been laid off, finally we had to do what we had to do, brutal times require brutal acts,mom in a retirement center that is funded by my social security and SSI checks as I am 83 and diabetic and partly handicapped with left leg in brace; so after the rent and board are paid,I have the queenly sum of one hundred twenty five dollars for personal needs so to be on the net I mylot a lot and love it anyway for all my friends here for sharing with them, caring for them, and yes earning also but those first come first now. My son is in a government sponsored apt with three other men all looking for work,he had to have an address or putting in resumes would be useless,nobody will hire a person without an address. so now i am very careful and do not spend everything Ihave. I also get an occasional tendollar check from my survey.
@kiran8 (15348)
• Mangalore, India
25 May 10
Hi, we all have some problem or the other regarding finances.It is bound to be different for different people. I feel that we have to be careful when we have money instead of regretting later. It is a little determination that is required to make life easier for ourselves...Frankly I have never been in a tight spot like yours regarding money so far...I have my own commitments and sometimes it is worrying but I somehow always manage by being careful and touch wood!, so far have been able to fulfil them...all the best
@lilxkaos (131)
• United States
26 May 10
yeh i do! i use to have a job and i was buying everything, renting everything. and now im jobless and i have to pay for phone bills, car rent, food, and i barely have any money to spend at the end of the month
@evepin (721)
• Philippines
26 May 10
yes, during my early days of being employed after college, i got really crazy because of the money i earned and bought lots of stuff. that happened for around 2 years. sometimes i only get to pay the minimum credit card amount due, sometimes i was unable to pay my mobile phone and it had to be temporarily disconnected, and maybe in the bank, around $10, not $1 at least! thats why i wisened up and started saving and be more frugal. as what they always say, never live beyond ones means!
@vanease (23)
• United States
25 May 10
I have definitely been that broke before. We live from paycheck to paycheck and often by thursday we are flat broke.I think alot more people than we think have the same problem.My husband has a decent job but with 2 kids it just doesnt go very far anymore. Its unreal what we spend on just the neccessities in a week.So i def. understand where your coming from.
@animemisa (130)
• Philippines
25 May 10
Money is always allocated for bills before I receive my pay check. And I'm always short in budget. That's the reason I find ways to have an extra job. You're lucky that you're only broke by the end of the month. Have you experienced hiding from your landlord because you can't pay your rent. Or being cold because you can't afford to pay heating fuel. Everybody can feel financial crisis.
@gloryacam (5540)
• Philippines
26 May 10
Yes, I have found my self in that situation. Actually, if you consider the purchases I made on my credit card, my net worth was a negative. I have this annoying habit where I do not mind my expenses to the point that I exceed my income. Living beyond your means, I think that't what they call it. For starters, the next months, I had to cut back on expenses. But, until now, I'm paying my debts so, there still little money left. But, at least, I think it's no longer a negative. Whew! Also, I'm sticking it out with my job until I find the next one. In times past, even amidst the debts, I'd quit my job the moment I realize I don't like it.
@cher913 (25782)
• Canada
25 May 10
we have been pretty close to that. my hubby has been out of work since last august and his unemployment cheques dont go very far. i do work but only part time due to my health plus we have two daughters at home. i hope he finds something soon!
@ellie333 (21016)
25 May 10
Hi, I have a demi john where I put all my loose change into and if it gets tight at the end of the month I raid that for change for bread and milk, luckily because of the Bank Holiday on Monday here in the UK next week I get paid this Friday. I keep a packet of ried milk in the cupboard and a loaf of bread in the freezer for such times also. Huggles. Ellie :)
@GemmaR (8517)
25 May 10
I have got down to that point a couple of times in the past, and I have now vowed that I will never let it get that bad again. I have everything written down that I have to spend money on that month, and I will budget for that, and make sure that I can afford the essensials before I think about buying anything else. I give myself a budget for each day (usually about $60) for 'luxuries', and by that I mean fuel, clothes, shoes etc.. anything else that I might want.
@oldchem1 (8132)
25 May 10
VERTY often, in fact I'm usually 'in the red' !!