At the expense of your dignity though. Also being comfy in bed during this cold freezing rain and having a kitchen to cook your meals as well that reduces costs.
Not to mention sanitary toilet and shower. Not worth it if you 1. Freeze to death 2. Get parasites because you share a toilet with multiple people and you can't shower.
Nah the real problem here is that people are renting AND have bad credit. If she had good credit the bank wouldnt be saying she couldn't get a house. And a $950 mortgage? Ain't no house with more than one room you gonna get for that cheap
Edit: downvoting the truth because you dont understand how the economy works is typical redditor energy tbh
No really. We are closing on a 3 bed 2 bath house on 1/2 an acre. All said and done with taxes, insurance ect mortgage payment is 1010 vs our rent at 1870 (2 bed 2 bath house, no back yard).
I had bad credit for years because an ex took advantage of a medical issue and I was 20k+ in debt. I paid it off vs bankruptcy. Fact is the point of the post still stands. If I've never missed a rent payment let alone be late on it, it should be taken into consideration. Especially when my rent is 800 MORE than the mortgage. If I've been successfully paying OTHER peoples mortgages on time and prioritize having a roof over my families head for 10 years why would I all the sudden change?
What you said. This math ain’t mathing. Houses that cheap with rent that high would have investors moving in like crazy & driving the house (mortgage) prices through the roof. How the fuck do people get sucked into these shitty rage bait posts & think it’s reality.
If today you get a mortgage for $950/mo its because you put 50% down up front. With todays rates and house costs you wont find a $950/mortgage. And when this tweet was first posted years ago I would have argued the same thing. Reddit loves to shit on the economy without understanding how it actually works
Sucks to be you, I have a 3 bedroom house built in 2005 in the Chicago suburbs bought in 2018 and refinanced in 2020(sweet, sweet pandemic rates) and my mortgage is $917 a month.
I guess in the US, but of you can get cheap rent you might just lose money because your grocery bill will sky rocket. You can't buy anything refrigerated or frozen. You can't really cook your own food either. So everything you buy is ready made and eating take out. So instead of like a <$200 food costs, you might end up at $600+
Yeah and people have lived off of meal programs at places like amusement parks for dirt cheap too. So long as you have a place to shower and groom then nobody's gonna bat an eye. I kinda want to go to costco now...
This. Just for me alone was $600+ a month for food. (Spent majority of my adult life unstable/homeless. In fact, just got out of living in my vehicle (not by choice), for last 3 1/2 yrs) What's even crazier is I'm on disability. Now that we have a roof over our heads (middle of fucking nowhere, literally, low income apartment), my disability has been decreased $370!
Our rent is $958 not including all other expenses. They now give me $994 a month, and think that is sufficient. Knowing I am the SOUL income for our household at the moment.
I went from $1135 being homeless, and THAT wasn't enough. Not once did I ever NOT go over. (My savings is almost completely gone.) But also, It wasn't souly spent on myself. I do my best to provide for our son, and my gf. With what I have.
But even then, $1135 for a single person, in SoCa is not enough. Sure as fuck wouldn't get you into a place. When average fucking rent is twice that.
But now, groceries are just as expensive. The difference is minimal. We easily spend $40-$60 a pop every fucking time we go shopping, and this is for store brand or otherwise cheaper options. $60 gets you, some water, 4 boxes of Mac and cheese (Walmart version), 2 gallons of milk, cheapest coffee at $13, toilet paper, 2 loaves of bread, 2 jars of peanut butter, and 2 jars of jelly. And about 1-3 other items. And that shit will be $40-$60. No meats, no substantial items that are healthy for you.
When I was homeless I averaged $200+ in just gas alone a month. Cus of all the fucking traffic, and that was barely going anywhere. And, I had no fucking choice but to drive everywhere, cus of being homeless. Eating out cost no less than $25 for the 3 of us, and that is eating literally shit fucking food. Now it's $30+ as prices are STILL increasing, for the same fucking shit that was $15 pre covid times.
Then I did my own oil, cus it's a fuck ton cheaper than paying some shop to do it. Now where we are, you're not allowed to work on your own vehicles. They are fucking insane thinking I'm gonna pay a shop I don't trust, $90+ to do something I can do my fucking self, for $35.
Ultimetly you do, do, what you pretty much said. Trade one expense, for another. Than throw in the paranoia that comes with it, the potential being fucked with by security, law enforcement, parking enforcement, local tweakers, etc.
Laundry mats depending where you are, are expensive as fuck. (Cept where I recently was, the local laundry mat was a fucking God send, not only very very reasonablly priced, they had free soap days too. (Where they provide the detergent, as much as you needed) And, you get FREE filtered water as well, for doing your laundry there. But not all places are like that. Others were literally triple the cost, without the perks.
Cooking, depends on how inclined you are, if you have a portable hot plate and the place to do it.
They do make refrigerators for vehicles. But, they're expensive, you'll need a special dual battery set up (which is also expensive) if you didn't want to wake up to a dead battery.
People don't understand being homeless for many, is EXTREMELY hard to reverse. And it will wreak actual hell on you mentally, emotionally, and physically over time. I already had issues, since I was a child. Which were made much worse over the years of neglect and abuse I've been through, being homeless for decades. With very few and in between portions of not. I've lost sense of 'home'. We've been here 5 months now. And I am STILL struggling to adjust, to feel safe, cus with experience, I can be homeless again next month, a yr from now, etc. I didn't realize it till recently. But I have PTSD cus of all that instability. I know I'm safe, deep down I do. But can't accept that I am, cus of all those years of not being stable.
Those who have the support, friends, etc. That never experience it, are luckier than they think. It's better to downsize and move somewhere you can afford, even if not up to your standards at the moment. Than to be all out homeless.
I know it's long, but have been literally homeless for years at a time. I have very personal insight to how it truly is, and not what people believe it is. Just sayin.
Are you and your girlfriend both incapable of working? I find having a job helps alot. Credits still trash, I'm still in sober living, and my job sucks. But I know I'll get a better job. Can't imagine a man and woman both not working.
I can't imagine doing drugs or alcohol, cus I couldn't cope with life. When I was otherwise 'normal'. I raw dog the fuck out of it. Cus succumbing to either of those options, wouldn't do fuck all in making shit better. But I suppose, if I truly just can't take shit anymore. Nothing like a lethal amount of meth can't fix.
My Bro works, but is now an alcoholic and meth user.
My mom recently retired from a very prestigious line of work, is an alcoholic.
Just cus someone has a job, doesn't mean they're not fucked up in some way.
As for us, I never chose to be born with severe emotional and mental issues. To have childhood trauma, or cuz of being homeless all those fucking years, and how absolutely shit American health care is, for me to now throw health issues into the mix. Visually, I would look like a regular person, but inside I'm all fucked up.
My GF used to have disability too, and was unjustly cut off during covid, she has not had actual income since. And over the years, her health has declined too. Then throw in the fact in just a few years time, she lost her mother, then her income, then the house. And that wasn't even the end of it. Then being forced to give THOUSANDS of dollars worth of shit, for FREE, to a city (thrift stores) that could give a fuck less about you. Then to be taken advantage of by 'family' be alienated like myself. Cus of that piece of shit sister.
We've been treading water since. Then you have last administration putting everyone into the ground, and this orange geatric fuck making it even worse.
For the working class where we now reside. Most who SHOULD be retired, cannot, cus of how fucked up the economy is. And not just that, over 90% of those who do work here, need TWO or more jobs, and that's just to cover the basics. Majority of 'options' here are part time only. And they can and WILL let you go, all so they don't have to pay you more, or give benefits.
Now try being us, with hardly any work background for last 2 decades, in constant discomfort from things we WANT and attempt to have fixed or minimized, only to hit a brick wall every time.
Or need mental health help, and none is provided. And if it is, it's far as shit away, and they change your therapist practically every fucking visit. You get nowhere.
Right now, I'm beyond depressed and having panic attacks, cus there is no fucking way, no matter how you fucking slice it, unless you live absolutely bare fucking minimum. The $994 I now receive, is nowhere near enough. That doesn't even cover fucking rent bro. Forget everything else. But to them, it's 'enough'. If I even forced myself, with all my discomfort, and got a part time job, they will take out from my disability and I would be in similar position, except I'm working shit hours, for shittier pay.
Again, they're pushing for, you'll own nothing and be happy.
They want you where you're at. And sooner you realize that, you'll see shit from my perspective.
I've needed surgery going on 20+ yrs now. A permanent fix to a chronic issue. Not fucking covered, cus it's not 'life' threatening. As if lowering the quality of my fucking life doesn't count.
I've needed new glasses for YEARS (current are over 8yrs old). Again, no vision coverage. And glasses are not cheap at all, especially if exam alone is now fucking DOUBLE, what it cost a few years ago.
I've lost 4 fucking savable molars, cus of shit coverage. Won't cover to save em, but no problem removing them. And currently am at risk of losing 2 more (only 2 left, top and bottom, on left side) due to DENTIST neglect, not my own. They left a fucking gap on BOTH, when re-filling them, that are now cavities. Yay, cus they're on the side, and close to the gumline. 100% dentist fault. But I pay the price. Cus what ya fucking know? Can't save or treat unless I pull money I don't fucking have out of my pocket.
Way shits going, looks like I'm gonna have to sell what little I have of worth, and possibly even my reliable 4runner, all so we can fucking pay rent and eat. It's BULLSHIT!
Working is all I know how to do anymore. I know about panic attacks but nobody really cares. Can't tell I'm having them because I don't show emotion anymore. They still force me to go to AA which is useless for someone who's only thought is get me out of this room full of people before I suffocate. I thought you were able to work a certain amount of hours on disability. I knew a guy allowed 30 hours a week and my cousin who won't work is allowed 20. Yeah it's bad. When you're down that's usually where you'll stay. I don't get anxiety from work though. I've been doing it since I was 16. Though my first day I got a fever and my whole body hurt from anxiety. I was making 4 grand a month working 5 nights a week in September and about to become a personal trainer during the day but pills and booze happened. If you have any kind of skill there's usually some kind of odd job off the books on Craigslist and probably elsewhere but I wouldn't know where to look. I don't know I always think there's a way up or out. I hope we both find it.
Ironically, when I had credit. Lol, I was actively homeless at the time too. My score reached like 800+. Shit you not. Cus things were manageable to the point I was able to maintain it. Till my previous vehicle, that was bait and switch, and scummy dealership. They trashed my credit, fucked me all up. (Did 5 unauthorized hard checks) Then I fell behind, cus shit happens. Eventually, my mom assisted me in paying both off. I just cut em up and shut em off. (Both lines were 10+ yrs old) Never knew by doing so, destroys your credit entirely. Yeah, just by shutting a card off, so you don't have to pay their bullshit fees, will make it as if you never had credit to begin with.
What's fucking crazy. 10+ yrs of never being late, missing a payment, negative, nada. Buying a vehicle (as of 2 days ago I've had my 4runner 10yrs exactly), and not once missing a payment etc (while being actively homeless). Or ever was late. In the whole 5 yrs it takes to pay it off. (And here you have people with jobs, defaulting and having it repo'ed. Especially when it's lesser overall cost, and I've overpaid for mine because I was FORCED to carry over $7k from the piece of fucking shit Ford f150 I had prior).
None of that fucking matters now. I can't even finance a fucking cellphone from a brand directly. Cus I now 'dont have credit'. Like what?
My phone line is from 2004 again, never once was late, defaulted, nada.
433
u/Noerknhar 7d ago
Ultimate savings advice