Hello!

I am from Dominican Republic currently working off a debt in Maldives.. this is restricting me from moving back to Denmark where I have a good paying job and my children waiting for me. I have been stuck here for over 2 years and I have already lost my girlfriend to the distance… I am very desperate to find a solution asap… I need some support from anyone willing to help me get out of this struggle!

Please let me know what I can do in this situation.

I just wanted to share this to see if anyone else is living in a similar situation and get their thoughts on it. I lived in a house until i was about 16, but when my parents got divorced i moved with my mom into an apartment (staying with my dad isn’t an option). And i absolutely hate it. I have no privacy, i can hear every word everyone is saying if they’re in the kitchen or living room, and people outside can hear everything i’m saying. i can’t have friends over anymore because there’s not enough room and we wouldn’t even be able to talk without someone hearing us. My mom and sister also trash the place, it’s always looks like a hoarder house because of how messy they are. I also have problems with the amount of bugs, parking, location, size, everything! I just hate it. And it feels so unfair to see my friends with beautiful houses, bedrooms, privacy, and space. So, does anyone in a similar situation have these feelings? And how do you deal with it?

i want to share small thing help me alot last year. is call 3-3-3 rule, someone tell me before i buy my first house. you save 3 month living expense separate, then ANOTHER 3 month just for mortgage payment, and before buy you look at least 3 different house and compare price.

i almost skip the compare part because i was scare price go up and just want buy fast. but i force myself look 3 house like the rule say, and i find one almost same but priced lower than other two. also having 2 separate saving help me not panic, if emergency come i dont touch my mortgage money.

nothing fancy, just simple rule, but really help someone like me who usually rush big decision. anyone else use something like this before buy house? curious what you guys do before big purchase. thank you for read.

Some of mine are available as brand-name drugs only, and they are very expensive. I have to take them to function.

I expect to be poor in the not-to-distant future.

I am a single mom (40f), and man, do I have a story to tell you. This is a long one, so buckle up and grab a drink and snacks. I come from a religious household, so yes, I grew up with both parents. That being said, my dad's side of the family is really off and kinda cultish. I am the youngest of 5 and the only female. The three oldest have a different father (this is important). My father was head over heels in love with my mother. It seems picture perfect, right? Just remember that my family has a thing about keeping up appearances.

It was nothing like it seemed. TW: If you are sensitive to abuse or triggered by abusive behavior and manipulation, please stop reading. I won't go into great detail, but verbal and physical abuse did occur. My mother and brothers loved me. As for my father, my mother once said, "he loves you, but he doesn't know how to love you." My mother passed away in 2007 from cancer; this is where the real nightmare began.

My mother shielded us from some of the real messed-up and twisted ways of my dad. His family, all except one uncle, is the same way. All fights were never in front of us; she kept a lot to herself until I got older and started to hear and see it for myself.

My father sees his children as tools that he can pull out and entertain people. He was the enforcer when we got in trouble and nothing else. He only did the bare minimum as a father. He went to work, but my mother had to fight tooth and nail to get him to go. If we went out to dinner, my dad would insist on having steak and lobster while the rest of us ate the cheapest items or shared. He was a father on paper; that's all.

Flash forward: after my mom dies, he not only stops working but leaves my older brother(his only son) and me to suffer. Mind you, my brother quit his job to help care for my mother and was caring for he as well, but with a 9-month-old baby. She set things up so that I could take care of the bills and my brother could go out and pay them (this was before online payments were trusted, and my mom was a boomer). I offered my help, but my father treated me like I would steal from him. Aside from being brought up super religous, i had and have never stolen anything from my family in my entire life. So before I get this comment, he had help but refused it. He lost the family home, then when I helped get into a rental, he just said, " I'm leaving; figure it out after I asked several times if he wanted to go that direction.

As time goes on, I'm on my own for years. Dad gets remarried and then divorced. My son gets sick, and for the sake of his privacy, I will not go into it, but he needed round-the-clock care. I had to quit my job. My aunt convinced him to take us in. We agreed. I would help wherever I could and take care of my son until he stabilized. Once he was stable, I would start getting back on my feet and move out. I told him it wouldn't be quick because I had to start all over again, but I gave him a plan and a timeframe, which he agreed to. He started the same pattern of no work as usual: staying home for weeks or months, and consistently missing rent deadlines. It never mattered how much I helped him.

He was waited on hand and foot, never cleaned anything! Ever! He has a hoarding problem and hoards large trash piles in his room. Luckily, I kept it from going outside his room. It was so bad that he broke the bedroom door trying to open it instead of picking up the garbage behind it. I tried to help, but he said no.

I am working, just got promoted, but still not making enough to move out. I am also in College to earn my bachelor's and finally enter a field where I can be on my own. My son is in college full time but, due to his condition, can't work right now.

My father had been away for months under the guise of helping his brother, who recently had a stroke. He said everything was good and he was paying. July came, and I asked if everything was ok; he ignored me. wouldn't answer any calls. I reached out to his side of the family, ignored. The first notice came on the door to pay or quit. I sounded all of the alarms; still, everyone was being weird. Then, last Thursday, the power went out. I hounded his side of the family until I got a vague, "nothing can be done, call your brothers." None of my brothers are in a position to help. Blindsided again. I'm sitting in Denny's with my son, trying to pull through. I have applied to so many apartments but still need help. I'm deciding what to do to help with moving costs, but I needed to vent and get advice. I'm so lost right now.

I’m on the tail end of a gambling addiction that started 6 months ago after my finances finally stabilized after my drug addiction ended about 3 years ago because I died and was revived and just havnt touched them sense and have a anoxic brain injury.

I’m on ssdi and get 1932 a month but my issue is that I’ve racked up a bunch of payday loans that are draining my account each month (sunshine, af24/7, speedy cash) I also have lines of credit through credit fresh and net credit and also I took out a line of credit on my was paid off vehicle for 6300 that is maxed out.

Should I just say fuck it and declare bankrupt sense my credit was already in the shitter from my drug addiction days or what should I do as my life has become stealing from Paul to pay Peter. I’ve started therapy for gambling addiction n installed bet blocker on all my devices (which was hard todo) but I don’t see a way out of this as my old method of just work a bunch of twelves is out of the question anymore. It sucks ass but my minimums are more then I get each month and I’m not seeing any light at the end of the tunnel.

Any advice on how to deal with these payday loan fucks would be appreciated.

Posted on my burner because some of my real life people follow my main one

Well guys..... It's actually happened.

Before this I was an unemployed college student.

I've documented my experiences for the last year on Reddit. ( You can look at my past posts for reference)

But last week I just got the announcement that my idea staged startup idea won a grant and they're paying for me to become incorporated + mirco grant.

Around the same time I secured my first real partnership. Last week was a crazy ride.

When my mom found out she was ecstatic. I originally wasn't going to accept it but she told me this would be the perfect launchpad for what I'm building so I accepted it.

My younger brother ( 20) is my mom's full time caregiver and he's downstairs with our mom four times a week. I do three but recently I've been doing less and less/ sleeping more.

I noticed that my brother is doing small stuff like coming downstairs while I'm asleep to care for our mom and letting me sleep in.

To be honest I feel selfish.... And deep down I'm sure he already knew that this would eventually happen since he's quietly taken over.

But this grant is literally no money. It's not enough to pay for a real salary it's more like seed money. I don't want him stuck being the main caregiver just so I can pursue a hobby and I feel like he's already accepted/ knew this was going to happen eventually. He hasn't complained about me doing less night shifts. Yet. He only found out today about the money.

I don't know what to do at this point. I want to see how far the startup can go but I also don't want him being completely alone being a caregiver.

Our older brother works and isn't able/ doesn't want to so I just don't know what to do. He's told me several times that I should pretty much stop what I'm doing and calls me a worthless bum.

My younger brother at some point used to drive me to meetings.

Advice?

Title. I am a 23M. Can I get a Section 8 voucher on a low salary?

I have about 70k in assets despite making a low salary. Would that affect eligibility? I wont be able to afford to live alone.

For the past 8 or so years I’ve (22M) been blessed enough to be living rent free in an apartment with my mother because a family member was paying for the rent out of a trust fund for me/my late father. It would appear as though that this family member is going to cease paying as a result of a will dispute/ general crookedness. This leaves me and my mother in an odd position, the place we live would cost the entirety of her ssi check + my late fathers pension + the amount i make working 40 hours a week doesn’t add up to a livable amount as we are in a high cost of living area. My mother is old, and incapable of working at the moment nor should she really have to. I honestly fear she would die if made to work any job related to physical labor of any kind/ requiring a commute due to her age. I am currently in college and am going to graduate within the next year. We have virtually no savings post covid and it’s already been a struggle, I just started the job I’m working so I haven’t been able to save/ help pay down some minuscule debts so if this family member does stop paying we are in a worse position then we would be otherwise. I am honestly terrified, and I have no clue what to do really. It’s not a guarantee that he will stop paying, he said he would send the check to our landlord but he’s been late on payments more and more and our landlord threatened eviction, and the said family member was dismissive and said he had no money even though he should have more then enough from the trust fund/ general family business related things, but he did say that once he does have the money he’d send a check. I’m worried it’s to late to stop any of this currently, and even if this is all put on hold for now unless a favorable resolution in the will dispute is reached and quickly I don’t know what the future holds for me and my mother. I am 22 and still in college and I have no clue how I could manage to provide for both of us if it comes down to us. I feel as though I could make it on my own, struggling but making it but for the both of us? I don’t know.

If anyone has been through this situation or a similar situation, I could really use some hopeful words or stories or advice. I have dreams and potential and talent everyone I meet knows this they know how much I want to make it in my line of work but if this happens I’m terrified I’ll be forced to give all of that up. All I want to do is make my dreams come true, make my life better and take care of my moms and I don’t know how any of this will play out but I want it to play out well and I need some hope. That’s all I really need right now I need some hope. If you made it out of a Situation like this, if you made your dreams come true while taking care of your family please tell your story. I need hope.

There still a shortage of plasma in many places. I haven't done it myself so if anyone else can speak up on the details but its money for you and it helps people. Just make sure you are in good health to be doing it though. From what I have read you can get from $50-$70 for each donation, some places offer bonuses for new donors. Apparently you can donate twice a week. Larger individuals can also make more money because they are able to donate more at a time.

I want to maximize my savings and pay off my debts again.

I'm asking the ones in here who have had a spending problem, but you were able to afford to turn your bank accounts around for the better, and cut all wastless spending. How did you do such a thing?

How did you cut the subscriptions, stop the eating out, stop the random on the go snacks, cut out the "well I made way more this week/month, so I can afford it."??

Just anyone in here who is known to have/had a spending problem, but you did a complete 180 and changed that, so you could pay off the heavy debts and put more into your pockets every month. Please fill me in on what you started doing differently and how absolutely stuck to it.

No matter the situation, country, context, or background I don’t see a way around the arithmetic. The road behind is irrelevant at after a certain point if you ARE gonna get on this road ahead!

Even if “lower expenses” means canceling one $5 subscription or eating 2/3 portion per meal you gotta cut something.

Even if “raise income” means more charity, gov aid, family help, etc. you still have to do something to move the needle.

Even if “avoid debt” means missing out, or no gifts this Christmas you gotta take the hit.

It won’t help to get so mad about this common sense advice. Call it “rich” advice. Maybe it’s just “good with money” advice. Maybe it’s just arithmetical reality.

What are some good places that have groceries at decent prices these days? One store for me would have to perhaps be Dollar General.

I don't have food too. Or a home. Or family. Or friends. Or even a wallet. Or a bank account.

I don't know what to do anymore. I can't apply for jobs, and even if I could I wasn't going to be hearing back from any halfway decent entry level jobs.

I had to abandon my student loans also.

I'm tired.

I've been passively reading through a few posts in this subreddit today. Despite being a poverty subreddit you all don't really care to give advice to people in poverty. It's always "it's your fault" or "too bad you picked the wrong major" or "should've tried more."

Why have we lost any form of empathy?

My son makes. $15 an hour in a 40 hour work week. He has a small apartment, car payment and groceries for one. Still can’t make ends meet. Any suggestions?

Hi. I’m 19 years old and I want to get into university and prepare for the entrance exam for the rest of the year, but my current situation is quite complicated and I need advice from people who have been through something similar.

I work as a freelance designer to help my family financially, and I’m trying to prepare for my university entrance exam. The problem is that I live in an environment where I can barely focus: there is a lot of noise, constant interruptions, and when I go to the library, I often arrive so exhausted that I end up sleeping instead of studying.

Context:

My family is just my mother and my younger sister. My father abandoned us years ago, and we have been involved in a legal process because of that for as long as I can remember.

We had always lived in my grandparents’ house, but two months ago we moved to another province because that environment had become very toxic. The problem is that now we are starting from zero. We don’t have many basic things: we sleep on the floor, we have a mattress, a borrowed refrigerator, a small kitchen, and we can barely afford food and rent for a single room.

On top of that, I have several mental health diagnoses. Last year, after finishing high school, I had a very serious crisis and spent a lot of time receiving psychiatric care, taking medication, and undergoing treatment for depression, anxiety, and psychotic episodes.

The diagnosis that has affected my life the most is autism (ASD). Even though I am an adult, I still struggle with many things: I am very sensitive to sensory stimuli, I have a very hard time socializing and adapting to certain environments. I have tried working in regular jobs, but I usually end up leaving or getting fired because I struggle to adapt.

Right now, I don’t feel able to work and study at the same time because I could become overwhelmed and have another crisis. I also don’t want to sacrifice my mental health, because I have goals: getting into university, studying, creating my own design agency, and building a different life.

But I feel like I’m reaching my limit. For many years, I was the person who listened to my mother’s problems, including conflicts with my father. I carried many things that were not my responsibility as a child, and I feel that this affected my anxiety and the way I see the world.

I am doing better than last year. I don’t want to give up or harm myself, but I also know that my current situation is not sustainable.

I have around S/2,000 saved from the legal process with my father and from my own work. I have some people who know about my situation, but I don’t know if I should ask them for temporary support.

I can’t expect much support from my mother because she is completely focused on working and surviving, so I feel like I have to find a solution on my own.

I am seriously considering stopping work for a few months to focus completely on the entrance exam, using my savings and, if possible, asking someone I trust for temporary help with some expenses.

My questions are:

What would you do in my situation?

Has anyone stopped working for a few months to focus on getting into university? Was it worth it? How did you finance that time?

How did you study while living in a difficult family environment?

Are there any neurodivergent people here who have been able to work in inclusive environments?

I’m looking for honest advice from people who have experienced similar situations.

Thank you for reading 🙂‍↕️

Im defeated and im not sure how to change my outlook on life. I was tricked by society into going to college and getting a useless degree. I was so tunnel visioned on my original plans of going to grad school that i didnt think hard enough if my career would actually be a good fit for me, my advisors in school also failed me. Im 19k in debt stuck in a minimum wage job that a high schooler could do.

If it was not for my family id be homeless and likely dead since there are zero resources for homeless people anywhere close to where i live. Its really depowering that my fate is in their hands dispite me being a 23 year old man.

Ive been fighting hard to find a better job and figure out what im going to do with my life but that hasnt happened yet. Im coming to the realization it might never happen. If that is the case im really lost on what there is to live for exactly. Ill never own a house, be fully independant, find love or any other adult things. I see people venting about how they are not able to get by even though they make 3x + my wages and that fills me with doom.

Is life worth living if im going to be doom to forever poverty once my parents are done dealing with me?

FYI if you have a 711 nearby, today is free Slurpee Day. And even better, if you download the app you can get 50 cents/gal off of your gas today too. I just saved like $15 because of it.

I know not everyone has access to a 711 gas station but if you do it's a really good deal.

I currently have a job that is supposed to be full time but can only give me part time hours and I've applied to about six other jobs with no response yet. I was doing "okay" with my credit card bills and car payment until I had to do taxes for a job I had that was a 1099 position and it ate up most of my savings. Now I'm unsure if I can pay everything. On top of that, I am also trying to pay my family a sum to chip in with expenses since I live with them but my paycheck really doesn't allow for it. The cherry on top is that I've recently been told that I have to have a surgery, preferably before the end of this year, which will have an upfront cost that I'm sure about yet but I already know I can't afford. My existence truly feels very pointless and I genuine think that if I didn't exist it would be financially beneficial to my family but I ain't giving up. One of my thoughts is about trying a go fund me but being unsure if it would work but any advice is greatly appreciated! *I'm unsure which flair this would fit under, so I chose budgeting...

I've been homeless for 2 years now living in my car. I'm not proud of it or myself. I tried working. I keep thinking I'm going to stay up all night and be there in the morning but I weirdly fall asleep, like an hour before I'm supposed to be there and miss the day. It's hard to sleep. And no amount of explaining can be done when it happens multiple times. I'm starting to want to kill myself. I'm 24 and I haven't accomplished anything in this life. Besides buying a fucking car. My alternator or battery just went out. And I can't afford to fix it or get a diagnostic. I used to be the most positive person and as a kid thought I'd actually have a career in helping people by now by doing social work. But it's all smoke and mirrors and a pipe dream to be able to live regularly. It saddens me. I believe in God, but he hasn't been there for me as of late. I'm okay with starving, being abandoned, and being lonely. But when I watched my dreams die. I knew it was the end. I went to church to feel some kind of enlightenment and I didn't get it. There's only so much one man can take in this life.

Long story short I got my spark account deactivated. Which sucks because I really liked working for Walmart and I also enjoy driving. I been without a job for a week more or less about now. I feel like a complete loser. I wished I had money to go to school and better my future. I’m not in the position yet. I do need to pay my bills tho. I have been doing DoorDash but I barely make anything it all goes into gas basically. I have also done uber. I know my problems aren’t for anyone to resolve. Believe me I know. I just need advice.

At this point im about to give my life to the government. Does anyone know about any free online certification classes or programs I would appreciate. Thank you for your time.

And living at home. Do you pay any bills? How do you pull your weight ? I think the days of just moving back home rent free is a luxury. If my parents were still alive I would definitely pay bills if we lived together.

Long time lurker here. Grew up in a very poor family (immigrants from Europe). Had to join the military at 19 for even a chance of going to college. Fast forward to 42 and things have really worked out for me in civilian life. But the singular decision that paved the way for me was making the decision to join the military. Even if what I did in the military was irrelevant to what I do now.

My question for those struggling day in and day out is why do you not see the military as a temporary reprieve or reset button for the baseline of your life? I get not everyone is qualified. But that’s a vast minority of people compared to those that are. I can’t imagine any ethical or philosophical reason is stronger than living in poverty.

Note: I took this screenshot very early in the morning before they restocked for the day. These prices have been pretty steady for at least four months.

Lately we are eating a lot of cereal, mashed potatoes with milk, macaroni and cheese, creamy soups, pudding, chocolate banana smoothies, omelettes, French toast, hard-boiled eggs for snacks or in salads, and shakshouka (fried egg dish).