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Personal Finance For The Financially Challenged
Personal Finance For The Financially Challenged

Personal Finance For The Financially Challenged

@povertyfinance
Personal Finance For The Financially Challenged
Personal Finance For The Financially Challenged  
5 w

I know it's processed crap but I love getting into the supermarket just before closing.

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Personal Finance For The Financially Challenged
Personal Finance For The Financially Challenged  
5 w

I have a Question for the Mods. Why is the Honey Extension still on the Wiki? Isn't it a scam.

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Personal Finance For The Financially Challenged
Personal Finance For The Financially Challenged  
5 w

Net worth is slowly growing, Im 14 months ahead on my car loan and I'm able to save a little bit after bills each month

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Personal Finance For The Financially Challenged
Personal Finance For The Financially Challenged  
5 w

Dignity Health sending me a bill 1 year later because they forgot

So i got injured at work last year in March and I let my work know and everything and went through workman’s comp process and everything and they just recently called me a couple weeks ago saying that there’s still part of it that needs to be paid and basically told me they forgot about it until now and they’re demanding I pay this by the 29th of this month! I have my wedding the 23rd and my fiancé and I are still saving for our move in cost at a new place that we move into this month. So I guess what I’m asking if I can just avoid all this and not pay it and just tell them that my work can pay it or not even respond at all

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Personal Finance For The Financially Challenged
Personal Finance For The Financially Challenged  
5 w

After fighting homelessness as a single father, we finally have a home.

We really dont have much. 2 out of 4 bed frames (we all have matresses) one recliner to sit in that I found on the side of the road, a tv my mom gave us. We still have our clothes and food so we are blessed. Their mother left 6 years ago and the financial burden slowly took a toll until we were evicted in 2023. My sister, the rock she is, let us stay with her and her 2 kids. That made 5 kids total, myself sleeping on the couch. She gave us a place to stay, in return I helped with food, bills, cleaning, and childcare. Government-assisted housing recently opened up near us, and I immediately applied. It took a month of signing and submitting paperwork before we finally got the key. I recently got full custody and agreed to let the kids spend their summers with their mother in Ohio if they want. Unfortunately they left **the day before** I got the key, so they missed the big move. They're having a great time over 1,000 miles away, and I'm left alone (in Louisiana) for the first time in 20 years. Thankfully, having to start from scratch and scrounge together whatever furniture I can find has taken my mind off everything. My end goal is for them to come home and the house is done. Only thing left is for them to design their own rooms.

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Welcome to Personal Finance for the Financially Challenged!

Important: Please read our rules before posting or commenting!

They can also be found below.

1) Be civil and respectful

2) Off-topic posts will be removed.

3) All content must be ethical and moral. Posts advocating theft, or practices that in any way exploit or harm others (criminal or not) will be removed.

4) This is not a place for politics, but rather a place to get advice on daily living and short-to-midterm financial planning. Political advocacy, debate, or grandstanding will be removed.

5) Racism, sexism, classism/poor-shaming, or any other inherent bias will not be tolerated. Any comments/posts stating or implying that the reason that people are poor is because of personal decision making or that people in poverty "deserve" to be in poverty will be removed.

6) No judgment on how people got to where they are at. Regardless of if someone was simply born into poverty, or earned it through drug use, criminal activity, gambling, having a lot of kids, working for LuLaRoe, etc. We're focused on the road forward, not the past.

7) No gatekeeping. This sub is for anyone who self identifies as struggling financially or as financially insecure.

8) Advice and comments must be in good faith. Anything that appears to be a scam, predatory, or downright dangerous will be removed. This includes most "get rich quick" schemes, including cryptocurrency which is too risky/volatile to be an investment for people with limited incomes.

9) Links to websites outside of Reddit: The titles of these posts must have clear, accurate titles, misleading or vague titles will be removed. URL shorteners are not permitted. Referral links, or links to your own content (whether monetized or not) are permitted. You need to disclose if you have an affiliation with a site or service you are linking to. You must disclose referral links and provide a non-ref link as well, no exceptions! During the Holidays, referral links are not permitted as the sub becomes inundated with them.

10) No asking for/soliciting private donations, offering private donations, or mentioning crowdfunding sites. All aid given must be in the form of information or advice. For financial donations please check out sites like r/donation r/charity and /r/randomactsofkindness

11) Unsolicited advice must be generally respectful of people's right to determine their own values, free of assumptions and judgments, and in otherwise fitting with the rules, guidelines, and spirit of the sub. This includes posts flaired as "Vent/Rant" where any advice/judgment is prohibited as these are reserved as posts where users can simply express themselves.

Check out our Wiki for general useful information!

Much of the financial advice online and on reddit is aimed at people who have varying degrees of disposable income, ability to invest, lots of free time, available transportation, no kids, a partner, access to credit, and beyond. This is a place for people who do not have a lot, nor ideal circumstances, to help each other get by and hopefully move up in the world.

You do not have to be absolutely destitute to be here. Whether you are a single parent only pulling 10k a year, or a single person trying to get past student loans at 28K, you are welcome here. The goal here is to help anyone who doesn't have a lot of breathing room get to a place where they have stability, comfort, contingency, and maybe even a little luxury.

Wiki

We have a comprehensive sub wiki that can help with most poverty-related topics that you can access here:

https://www.reddit.com/r/povertyfinance/wiki/index

If you have suggestions/recommendations for additional content/topics please let the mods know!

Guidelines

At this time there are not a lot of restrictions on what kind of topics or items can be posted here, so as long as it relates to getting by when you don't have much feel free. Overtime we if/as the community develops we might start to reign in the scope this sub features.

Answer the questions asked and stay on topic. If someone asks for advice on how to 'buy' a cheap oil change, don't reply with "Just do it yourself".

Purpose

The sub is not for a single financial goal, but rather to help people with a range of goals. This may include but is not limited to:

Learning to live within one's means Achieving a positive earning to expense ratio Reducing debt and building savings Moving to a better paying job Cutting expenses Spending smarter Living a better life on the same budget Working smarter, not harder Planning for upcoming expenses, purchases, adventures Finding qualifying benefits.

This is not a one-size-fits all venture, so please be respectful of what other people might be looking for. We are here to help each other achieve their needs and wants, not to judge their priorities. We get enough judgment from people who do not know our situation all the time, this sub will respect people's right to live their lives on their terms, not condemn them from afar.

Useful subs:

Finance:

r/personalfinance - a good place, especially once you have some money to play with.

r/middleclassfinance - For when you don't want personal finance, but the next step up.

r/FrugalPoverty - For those who prefer really frugal finance.

r/Assistance - For those in need of help in more tangible ways. And /r/UniversalScammerList - In case you need to check names against scammers.

Tangible Help:

r/Assistance - For those in need of help in more tangible ways. Account age/karma restriced.

r/assistanceanimals- For those in need of help with some food for their pets.

r/AlmostHomeless if you're almost homeless and need help.

r/homeless - if you are homeless.

r/Food_Pantry - account age/karma restricted

r/foodstamps and r/Medicaid are subreddits staffed by volunteer program experts who can help you make sense of applying/maintaining and utilizing benefits

Lifestyle:

r/frugal - a solid sub with lots of good advice

r/gardening - if you have some time and some land

r/eatcheapandhealthy - a fantastic sub with a friendly and welcoming community

r/beermoney & r/beermoneyglobal - guides to passive income, typically requires internet, spare phones, and lots of free time. YMMV

Random Acts:

r/randomactsofpetfood - Another place to get help with pet food.

r/RandomActsofDQ if you want Dairy Queen someone will pay it for you.

r/RandomActsOfTacoBell go here if you'd like some Taco Bell. Someone will pay it for you.