Everyone should establish a bare minimum budget. What does it cost you to feed, clothe, shelter, and transport yourself to work? Add prescriptions if necessary.
@Augustweather, Every job should pay enough at least to cover basic living expenses
@Augustweather, do what? I can't hear you over the new harman/kardon soundbar/sub system I bought for my bedroom just because.
But all of my stuff is paid for, and I grew up from nothing, so if it winds up going back to that, I'm not afraid. I keep a buffer zone, as everyone should. I'm honestly not trying to sound like a dick here, I worked my ass off to get where I am now. I encourage others to do the same. I can afford nice things because I've never been the type to spend 8 dollars on a cup of coffee everyday when I can buy a jug of Folger's grinds that will last me a month for the same amount. Grill it up really good for 10 bucks instead of drop 50 at a restaurant. So while it might have sounded like I'm some rich blowhard, I am definitely not. I pick the things I choose to spend money on, tangible things that I can easily do without, and yet still hold value.
That's the type of budgeting people should think about.
@Audiodacity, Depends what you define as a job and basic living expenses. For example, I'd add "Every fulltime job" among other things.
@Not him again, I'm not sure I understand what point you are trying to get across. I was just trying to say that people should get an understanding of what it costs to live with as little money as possible, so if they fall on hard times they will be somewhat prepared.
@Augustweather, What I define as a job is a job. Toll booth operator, burger flipper, window washer, everything and anything. Full time is 30 hours.
Living expenses will vary on area, but it should pay enough to cover the rent of an average one bedroom apartment, food for three meals a day, car insurance/payments, health insurance, you know all the things you need to survive/function in society
@Audiodacity, what nobody ever seems to address is the fact that there is government aid to assist the people those people. But they have to be willing to put in the effort. I have been there. Despite what some may think of my reply to Augustweather, I'm not some rich asshole. Definitely did not grow up that way, nor do I support those who just fall assward into money because they share a last name....
@Audiodacity, I have never heard of 30 hours being full time? If you dont mind my asking what country is that in? I agree with the 3 meals a day, insurance and such, but less so on the average 1 bedroom apartment. Roommates are a very viable option, and cheaper than a 1 bedroom. Also, if every job paid for an "average" place, that "average" would become less than average because every apartment would be that standard or better at the minimum.
@Augustweather, I'm sorry, I was pandering. My point was that I agree with you, no matter how much money a person makes. Figure out priorities, instead of indulgences. I'm agreeing with you in other words.
@Not him again, All good. I just wanted to make sure I wasnt missing a point you were making or something like that :)
Enjoy the rest of your meme browsing
@Audiodacity, ok..."full time" in the U.S. is 40 hours per week. At MINIMUM a lot of companies offer benefits of an obligation of at least 32 hours per week. If any company hires you at full time in the U.S. they must offer benefits. I don't mean Ma & Pa's Gas n Go, I mean actual companies. However, if you are hired as part time, it doesn't matter if you work 80 hours a week, they have no obligation to offer you benefits.
@Augustweather, I can't now though, it seems you've awoken a common enemy. The young person that has finally experienced their first job at age 25 because they spent all their time in college on some obscure degree, and now they can't find a job that is exactly what they wanted, and have zero job experience, so they are forced to take a low paying job.
@Not him again, that goes against capitalism.
@Cuactemoc4919, nothing that I've said has anything to do with any -ism. Unless entitlelism is a thing, which I'm not convinced is an actual word, but apparently my phone is. There isn't anything wrong with capitalism...but what's wrong with it is those who abuse it.
@Not him again, I know, that's what needs to change. Full time should be 30 hours.
@Not him again, Capitalism values profits above human life, therefore it's immoral
@Not him again, the problem with what you're saying is "well people are indulging themselves while they should be saving", my counterpoint is what's the point of working if I can't enjoy my life? If you work hard you should be able to enjoy the fruits of your labor. If you have to save every penny just to survive, there's a major flaw in the system you're in. You can't use a personal experience to apply to everyone else. People's lives are drastically different, and just because you were able to lift yourself out of poverty, doesn't mean everyone else can. I can just mention sickness or cancer and your whole point falls apart.
@Augustweather, about tree fiddy
@Audiodacity, so you really believe that working less should amount to you having more? People like you are exactly what is wrong with society these days. Do as little as possible and get more than they are owed. I'm not sure about you, but a typical school day for me was 8 hours, 5 days per week. You younger people with your participation trophies...then don't understand the real world doesn't work that way get all upset about it.
@Not him again, I believe people should be paid what their labor is actually worth, and if that were to happen, people wouldn't have to work 40 hours a week to make ends meet and could instead spend more time with family or learning another trade. For some strange reason we all decided the pursuit of money was the most important thing in life, and as long as we hold on to that misguided belief we'll always be a failed species. We must decouple human value from wage labour.
@PoliticsGuard, my mom died of cancer in March of this year. She was 57. I helped my dad pay her $800/month to keep her on a good health care plan after she couldn't work anymore, and I agree on the sole point that healthcare issues are a big deal. Your "counterpoint" makes no sense when all I said was to think about what you spend money on. Would you rather have a nice house and car? Or would you rather spend all your money on 20 minutes of a good time? I don't base everything off personal experience, but I also have seen enough of the world to know that yes, anyone CAN actually lift themselves out of poverty if they have the right mindset. I don't like to terminate employees, and I am willing to give them as much rope they need to climb back up, but if they wind up hanging themselves with it, there isn't much I can do.
@Audiodacity, 40 hours a week is not a hard thing to do and balance a family. Like I said, you just want more for doing less.
@Not him again, first of all my condolences, I should've stuck with just sickness. As a Canadian, the fact that you had to spend so much just to help your mother battle cancer is quite sickening. But you're saying that the 31 million americans living in poverty (most are families) is due to laziness? Not everyone is fortunate enough to have a son/daughter to pay their medical bills. But even the fact that you grew up with parents means you lucked out on life, which unfortunately isn't the case with everyone. My point is to not tout around telling people they're poor because they like buying things that make them happy. I'm not talking about drugs, I'm talking about stuff like hobbies, vacations, gifts etc. That stuff in my opinion is worth just as much as a big house and a nice car. Do people waste money? Of course. Is that a source of poverty, not even close
@PoliticsGuard, I wasn't talking about drugs, I was talking about daily indulgences that people can do without, instead of complaining about not being able to afford rent because they do so. If a person goes to spend $10 on a beer, and then complain they can't afford to pay rent because they aren't paid enough, something is wrong. I don't interview people who apply at my store unless it's for a management position because I hold trust in my ASM's to make the decision. I like to give some time to get to know them, because I want to know who I can count on and who wants to be a part of the company and move up
@Audiodacity, no. 30 hours of low tier jobs should not pay for living. When I hit rock bottom and had to reset, I worked 2 jobs, totalling 60-70 hours to get ahead. The discipline earned me a promotion that now pays me more than enough to stay at 40. Which is soooo easy! But I bet even my income now would be called not enough. Instead I budget right and still live like I have nothing. Now I have thousands saved in the bank. People call me lucky. No. Luck is when opportunity meets preparation. I’ve worked and prepared so hard, that I’m ready to earn more. I budgeted when I had none, so now I know how to budget for less, even with more.
@Child Slapper, Cool beans my dude, glad it worked out for you. You were in fact very lucky. Hard work was a part of it sure, but luck had a bigger hand. You were lucky you were in a position to be able to work two jobs let alone find two jobs to work. You were lucky you never sustained serious injury in the mean time. You were lucky you were never cut from your job for bs reasons. You got lucky you were promoted and not someone else.
You got lucky my dude.
@PoliticsGuard, those who are poor due to sickness is a small minority of the 31 million Americans you refer to. My mother’s house stayed in poverty because my mom never was taught how to get ahead. My dad was in debt most of his life because he wasn’t educated on the dangers of debt. I took out $50k in student loans before learning I could’ve done the same education for free at the public college in my own state. I used to max-out credit cards, buy alcohol, eat out every day. And had nothing. Most people just aren’t educated on wealth-building or how to budget their funds for only necessities. Now, I can’t remember the last time I drank; it’s not in the budget. I only budget for 1 fast food on the weekends. And 1 nice restaurant a month. Me and wife must agree on any extra purchases outside the budget. Most people refuse to live this way. I guarantee at least 30 of the 31 live paycheck-to-paycheck. It’s normal. Most people stay poor by choice like that. Stop using extremes.
@Child Slapper, lol people being sick is a minority? Wake up
@Not him again, I don't disagree that some people spend unecessarily on indulgences, that's an obvious fact. My point is that it isn't true for everyone. How can someone lift themselves out of poverty when they immigrate with a large family? Can't find a job because of a dumb marijuana convinction. My point is that it's not as simple as people indulge too much. People work 3 jobs to pay bills, when do they have time to indulge. Anyways let's agree to disagree, we've obviously have seen different types of poverty
@PoliticsGuard, yes, people having sicknesses that cripple them financially is a minority. You wake up. Your head is so far up your high horse that you don’t even know how to research statistics correctly. You just point the finger and blame society when most people just don’t prepare for hard times. Grow up and stop acting like a child who blames others for problems and take some self-responsibility.
@PoliticsGuard, yeah I grew up in poverty. We have seen different types. No one works 3 jobs and still can’t afford bills. Straight lie.
And I have a felony that’s much worse than a drug conviction. Did I struggle to find work? You’re damn right. But with effort, I made it. I’m moving up. Anyone who uses a marijuana charge as an excuse is full of crap, too.
And lastly, I grew up in an immigrant neighborhood. All the ones that worked hard and spent their money wisely did great. All your points are lies. Victimization. False.
@Child Slapper, Honestly go fvck yourself. What massive piece of shjt, just wow. Please go slam dunk yourself into the nearest dumpster.
Glad it worked out for you my dude, truth is you got lucky. Sure hard work has a hand, but luck had a much bigger hand. You were lucky you got the jobs you did. You were lucky you didn't sustain any serious injuries that set you back financially. Truth is 'just work hard' simply doesn't work, because millions of people *do* work as hard as you claim you do and will always be stuck where they are financially because newsflash, that's exactly how capitalism works.
In order to function, capitalism always requires the majority of people being taken advantage of. It rewards greed and values profits over human life. You're parents were taken advantage of and you got lucky and Im sure you're the one taking advantage of people below you, just as Im sure you yourself are still being taken advantage of by the people above you.
@PoliticsGuard, I have a single DWI from years ago, yet it was only a misdemeanor charge. I still hold a Class A license with tanker endorsement. I don't use it anymore, but I have it... Unless whoever you know got put in jail over having a bit of weed on them, I agree, it's wrong, but I can guarantee there is more to the story than just that. I've been cuffed to the push bar on a police car while parked and illegally searched for the sole reason because I had a nice SUV and they thought I was dealing drugs. This was ehhh maybe 15 years ago. There are plenty of jobs that pay higher than minimum wage... the lowest person in my store makes $10.50/hr. and they are young kids that are part time.
If you are in your middle 20's and complaining about minimum wage, I really have no advice for you besides maybe you should have built up some work experience by now.
@PoliticsGuard, if people want to immigrate, I have zero problems with that. I grew up in a terrible part of STL... Have you ever seen a young kid get his head blown off by a shotgun, or plowed down by a garbage truck? That's what I saw growing up. You younger people that live inside you little bubbles have no idea what the real world is like.
@Child Slapper, @PoliticsGuard, I think is just an mis-informed child. A product of the "participation trophy" era
@PoliticsGuard, if you can't afford one child, don't keep having more. Your argument is close to the most stupid idea I've ever heard. I will definitely not agree to disagree. If you and your huge family immigrate to the U.S. ....
....Do what I said, stop popping out kids left and right and go get a job and not be a piece of shjt at it.
@Child Slapper, I'm about positive @PoliticsGuard is just some young college kid, and has no idea how life really works
@Not him again, the only argument you have is your own personal experience, which amounts to nothing.
@Child Slapper, 137.1 million americans reported financial hardships due to medical expenses (scientific article published in the Journal of General Internal Medicine, article name: prevalence and correlates of medical financial hardship in the US.) 66.5% of personal bankruptcies are tied to medical issues ( article: Medical Bankruptcy: Still common despite the affordable care act, published in the American Journal of Public Health). Tell me again how I'm wrong.
@PoliticsGuard, it's a perfect example of what is fact. Learn things, give effort, and don't be an asshole when someone tries to teach you something. There are plenty of jobs that pay well, but kids like you have the mindset that you are above doing them.
@Not him again, "don't be an asshole" for someone who keeps saying I'm a college kid to undermine what I'm saying (graduated college a long time ago and have a decent paying job to feed my kid), you surely should take your own advice
@PoliticsGuard, normally when people spend time in college, they develop social skills. Apparently you must have missed that part
@Audiodacity, yeah that’s what all you lazy victims say: “you’re lucky”
So all the hard work was for nothing? Right. Go back to your mommy so she can coddle you some more.
@Child Slapper, You are very lucky. You lucky I don't knoe what your address is.
@Audiodacity, haha, you sure got me there! I’m shaking with fear!
Here’s my address: P Sherman, 42 Wallaby Way, Sydney.
@Child Slapper, Sounds like the address of a lil bjtch.
Have fun being lucky
@Audiodacity, no, you are just a lazy piece of shjt that wants things handed to them.
@Not him again, Yes things like universal healthcare for everyone, free college/trade school education for everyone, and housing for eveyone, all of which I would be helping fund by paying taxes which Im able to do at my job where Im getting paid for what my labor is worth.
@Audiodacity, education and housing shouldn't be free, it's something a person must work for. I will slightly agree that healthcare should be free, but I think I pay a whopping $200 a month and if I have a heart attack, they will land a helicopter in my front yard and it will cost me nothing
@Not him again, So just to confirm, you do *not* want people to succeed are absolutely fine condemning them to suffer if they don't meet an arbitrarily set amount of money a person must have in order to have things they should just already have..interesting viewpoint to say the least.
So just to confirm, you do *not* want people to succeed are absolutely fine condemning them to suffer if they don't meet an arbitrarily set amount of money a person must have in order to have things tbey should just already have..interesting viewpoint to say the least.
@Audiodacity, I never said I don't want people to succeed. My point was, and is that they need to work for it
@Not him again, Okay but studies have shown its much easier to get a job if you have an actual place to live, let alone how much wonder it does for mental stability alone. Giving people housing makes it much easier for people to find jobs, and a lot of people are homeless through no fault of their own and can't usually afford to move back into a place if they dont have a job. Its a vicious cycle and just telling people 'You don't deserve housing if you don't work hard enough' solves absolutely nothing and doesn't address the real problem.
Even though you are a scumbag as I've already established, and even though for some reason you don't think a human being deserves to have a roof over their head.. you should want them to have a place even for the sole reason that its easier for them to work.
You want more people working? Give them respect as a human being and let them have a place to live.
You want more skilled workers? Let college and trade school be free.
@Audiodacity, I'm a "scumbag" as you call, yet you have ridiculous, obnoxious ideas about how life works. You say you have a kid, man do I feel sorry for that child. Go give them their participation trophy and keep them a cry baby like you are.
@Not him again, You have no points left to argue so now you go after my kid like the piss baby you are. Go get your diaper changed lil bjtch, no the world has no place for archaic mindsets like yours.
@Audiodacity, but yet they welcome little piss pants like you, who know jack shjt about the real world. I didn't go after your kid, I went after you. Someone as stupid as you are shouldn't have children
Using my comeback but only changing the second word? Weak? And you did bring my kid into this, thankfully for you I don't know what your address is so I can come over and..clear it out and make room for some homeless people who actually deserve to have a roof over their head.
Please pray to what ever god you believe in that we don't cross paths in real life