As a person without kids and not on disability, there's no help

@genxx2724

Жыл бұрын

I received no stimulus money. I just pay taxes for the government to had out to others.

@dwight3murphy

Жыл бұрын

All my friends who made poor choices in life (having children they couldn't afford by multiple people, getting apartments they can't really afford, driving cars they struggle to pay for...boy oh boy they get anything they want in life. I've chosen to buy my house first (which I have) and look to be married first...it feels like I'm being punished

@zephyrr108

Жыл бұрын

Same... Never had anything... Never will apparently. Normal guy, without kids... I have NO help whatsoever.

@genxx2724

Жыл бұрын

@@dwight3murphy The government consistently incentivizes and rewards the wrong behavior.

@lenering1084

Жыл бұрын

@@genxx2724 , like what? Given tax cuts to the wealth?

Bread machines at thrift stores and yard sales are very cheap. She can make gluten free bread in bigger loaves and way less than buying it. You can also make oat milk very cheaply and save the store pricing.

@KS-cl8br

Жыл бұрын

Agree with your first suggestion.

@KC-dr3cg

Жыл бұрын

Good idea

@dachicagoan8185

Жыл бұрын

Yeah she's home all the time. She can bake bread and grow food herself

@mmp495

Жыл бұрын

Absolutely 💯

@hellobot67

11 күн бұрын

Those things are mad dirty and don't work at all

My neighbors started stealing my water when I go to work. My water bill has doubled in the last few months. I bought some outside water faucet locks to stop the theft. I guess they decided to deal with the cost of living by becoming common criminals!

@pearlperlitavenegas2023

Жыл бұрын

They should collect rainwater instead

@kni9ght

Жыл бұрын

It happens and I see it too, it’s terrible how they put us against each other for no reason but to help themselves while watching us hurt each other

@Anthony-dj4nd

Жыл бұрын

😂🤣

@happycook6737

Жыл бұрын

How terrible! Maybe your neighbor's water got cut off? Glad you got locks. I didn't know there were water locks.

@KC-dr3cg

Жыл бұрын

@@pearlperlitavenegas2023 that is illegal in Colorado because Colorado says that they own the air rights

Did Steph remind her that her husband working for Uber means he isnt making any money at all -- while the "money every night" is nice for desperate people, you can easily put 20-40,000 miles on your car per year doing Uber, accelerating the maintenance costs on that car and necessitating the buying of a new/used car much earlier than you planned?

@CocoaPuff01

Жыл бұрын

Which is all written off on taxes

@jeremybenoit759

Жыл бұрын

Ya that's why there are so many Uber drivers, because they make no money lol

@dachicagoan8185

Жыл бұрын

​@Jeremy Benoit just because many do it, it doesn't mean they're right

@asnmdnss

Жыл бұрын

​@@dachicagoan8185 you're still making money, your car doesn't depreciate $200 a day which many drivers make

Buy a house? He makes minimum wage she doesn't work lol you can't buy a house in Mexico on that income

@ecclairmayo4153

8 ай бұрын

Yeah I was surprised they wanted to go that route when their income is not high enough for any lender to give them a mortgage. They need to solve their income problem

Instead of paying for cloud storage, get an external hard drive. You can store a ton of photos and all your critical documents.

@hobomike6935

Жыл бұрын

thumb drives are relatively cheap and can serve this purpose, but you may have to buy several depending on how many pictures you have. occasionally going through and deleting all duplicate pictures, "fluff" pictures or no longer useful pictures before I offload them onto drives.

I am also gluten free and dairy free. I simply dont eat bread, akd i dont purchase expensive dairy substitutes. Why dont people get this???

I have never understood why vacations and Christmas presents are even in peoples minds when they are having a hard time paying bills. We finished paying our mortgage on 24/12/21 and that was our Christmas present to ourselves. Before that we hadn’t had a vacation in over five years. Never had a credit card in my 50+ years and after getting into debt on $5.000 loan, and paying it off in my early twenties, I vowed no bank was going to get my hard earned cash in those kind of bank fees ever again. My credit score is in the 900’s and hasn’t dipped below that range in over twenty years. I know it’s hard when you have kids, to not want to give them what they want at Christmas, but if more people sat down with their kids and did research on budgeting and savings tips , instead of the latest expensive gadgets, then a lot of kids would grow up with a healthier attitude towards money. If you give your child an allowance, there apps geared to children that show them about money management and which you can view to see how they are doing. They are never too young to learn these type of life skills.

@ericliu7845

Жыл бұрын

I just googled, apparently a credit score of 900s is not possible ...

@ericliu7845

Жыл бұрын

@James Anderson lol k bye

@SCP-001DatabaseAdministrator

Жыл бұрын

You must be fun at Christmas parties

@rickmaurer8726

Жыл бұрын

Let me guess, your idea of a Christmas party is watching paint dry on a wall.

@rickmaurer8726

Жыл бұрын

@@JBS1987 never let reality get in the way of rich people lecturing the poor why they are poor.

Clearly no food insecurity

@beaulieuc8910

4 ай бұрын

nasty

@amiller2352

3 күн бұрын

They can fast safely for six months.

I Downsized my life since the 2008 RECESSION!...I LIVE my life SIMPLE but nice, DEBT free , Spirtual, Healthy!.....I constantly live on a budget!...I only have myself and my Pomeranian dog ....I pay my car insurance every 6 months.....And pay rent, food, lights, household items each month. Thank God my 2011 Kia RIO is in mint condition, well maintained, just hit about 67,000 miles, and NO issues!...over the 10 years I've had it, I only had to buy tires, belts, sensor, spark plugs and coil pack, yearly oil changes!...

@Sophie3647s

Жыл бұрын

I don't have no one to really guage how much is too much car insurance. Is 240/month too much and what the benefit of paying semiannual rather than annually? Hope you or anyone can help.

@seventhchild7270

Жыл бұрын

@@Sophie3647s it depends on your age, number of vehicles, coverage you requested. I pay every 6 months...but definitely not that much!...THE benefit of paying every 6 months for me , is that I'm not paying that extra monthly fee, I don't have to worry about insurance payments every month, it's paid!..... ALSO paying every 6 months allows extra room to save a little, AND adjust to extra money that might be needed for that month ....(lights, water, food, etc)

@Lizaalamode

Жыл бұрын

Lucky dog you!

@KC-dr3cg

Жыл бұрын

Kia is the number one stolen vehicle and in Minneapolis 22 cars are stolen every day yes everyday that's not a typo

@beaulieuc8910

4 ай бұрын

am car free, save loads by not having a car, not having a pet with vets bills etc, and paid off my mortgage. Living simply certainly helps.

My son is autistic and so I totally understand her struggle. I wish them good luck and hope they will be able to get through this tough time.

Cut the credit cards up , save for everything you want , look for free stuff , look at goods that are imperfect but work , swop clothing with family and friends , buy goods that are reduced in bulk if its something you need and use , have a jar for change , pay with cash ,

@briant9764

Жыл бұрын

yes dont get caught up trying to keep up

@ikigai1236

Жыл бұрын

I dont advocate paying with cash. Use credit card to build credit history so later you can get loans to purchase car or homes. Credit cards even save money by offering cash back.

@hobomike6935

Жыл бұрын

Credit cards can be used to save money, but they have to be used: >sparingly >carefully >intelligently If you can’t do *ALL 3* of these at the same time, 24/7, you should use cash-only. It will force you to be more thrifty and frugal.

@user-cv7uh2ec2y

Жыл бұрын

what do you do if you grew up in foster care aged out with no family or friends? any Stephen hawking in the comment section?

@cjhoward409

10 ай бұрын

@@ikigai1236 You only need a credit report if you plan on getting into debt again 🤪

Can't pay bill but want to go on a vocation. hahaha.

@tiffanycurtis4794

Жыл бұрын

I know right priorities 🤦🏾‍♀️

@thekaerichtexas

Жыл бұрын

Might as wwll....bills will always be there

@asta9198

Жыл бұрын

@@thekaerichtexas I came to this country with nothing. I used to work 2 jobs and I have never taken a vocation if I can't afford it.

@randomnesswithnazy

10 ай бұрын

Aw yes she should suffer too emotionally on top of financially

@14elvira14

8 күн бұрын

​@@thekaerichtexasstupid

Stop buying useless crap like sandwich cutters. You already had one. It's called a knife.

@ecclairmayo4153

8 ай бұрын

She got it for her special needs daughter so she doesn't hurt herself. She wants her to be able to have some autonomy

@beaulieuc8910

4 ай бұрын

yes, and exoensuve digs and car tat

@DropkickMurphysFan01

15 күн бұрын

@@ecclairmayo4153not to mention some people,have issues with strength and stability making a knife potentially dangerous.

She needs to earn an income. Cooking from scratch and at least working part time. When I see clutter I see money wasted

@alfredhitchcock45

Жыл бұрын

When i see clutter, i see laziness abd drama

@ecclairmayo4153

8 ай бұрын

When I see clutter, I see a small child. That's all this is. Just a small child living her life as she should.

This woman should be working a job when her husband is off. She can work a couple nights and weekends and let dad take care of the kid. You do what you have to do.

@phanders6236

Жыл бұрын

Taking care of an autistic daughter is a full time job tbh

@johnmandiram

Жыл бұрын

Focus more on Liquidity rather than Inflation.Inflation can be easily brought down with raising Interest rates,any School child knows it but Liquidity ain't like that.Liquidity determines the Standard of Living.............

@deshawnwilliams1149

Жыл бұрын

Exactly

@monarene44

6 ай бұрын

She could deliver pizza or newspapers.

@suzanneemerson2625

6 ай бұрын

@@monarene44 Can she fit in a car?

She should get a prescription from the pediatrician for special breads/foods through wic.

@genxx2724

Жыл бұрын

She doesn’t need special foods. Eliminate bread. Don’t eat processed food. The obese parents would benefit, too.

@myyt3824

Жыл бұрын

@@genxx2724 for real. They are going to die soon and leave her in a group home if they don’t shut their face holes.

@genxx2724

Жыл бұрын

@@myyt3824 Their pie holes. Lol

@almudenagonzalez760

Жыл бұрын

Amanda muy buena idea , creo que esta familia esta muy perdida .Saludos desde España

Yes let's get these little tips thanks, we'll just pretend wage inequality doesn't exist, the system isn't stacked against us, and quality of life isn't way down because of it. This has been done to us, don't wonder why violence is up.

@davidfl4

Жыл бұрын

It’s all in the bootstraps friend! All you have to do is pull on them!! What your rent went up 50% in one month? Easy just get a job that pays you double!! 😂being sarcastic

@AnaDiaz-wz4cf

Жыл бұрын

Seriously I went to buy a jar o mayo, I don't use mayo too much so it had been several months since I had bought one and I was shocked that the price more than doubled! It's crazy

@happycook6737

Жыл бұрын

@@AnaDiaz-wz4cf Store brand mayo is $2.25 where I live. But you said you hadn't used it in a while so maybe the $1.25 size bottle from Dollar Tree is best? Prices are going up but there are still a lot of yummy home cooked foods that are quite cheap.

Cutting back on entertainment? Give me a freaking break. Cutting back? This video is really kind of making me sick

@dianafoster7883

Жыл бұрын

Right! If you are broke, your spare time should be spent making and not spending money!

Oh yeah, i remember news segments like these from being a kid in 2008/2009

@schrodingerssquirrel6973

Жыл бұрын

I remember something similar, During the 1970s.

@roshelltannen9698

Жыл бұрын

Yeah, 2008 was very interesting time. A greed fest sponsored by Wall Street. I think about you young adults that were kids at that time.

Please people use food banks as much as possible! I have struggled financially my whole life.... What good does it do to keep track of what you spend when food and gas prices are so high?

@juliacarl584

Жыл бұрын

@@pinkcrayon1382 So, okay at least you admit that you have mommy issues.

@maryfields1382

Жыл бұрын

@@pinkcrayon1382 Not being a financial burden to your kids is the best gift you can give them.

@frankie9953

Жыл бұрын

Food banks are running out of food. It's a larger issue that needs to be addressed than just using food banks...

@juliacarl584

Жыл бұрын

@@frankie9953 very true.

@hobomike6935

Жыл бұрын

Food banks are a brilliant government installation designed to steal food from the hungry and kind-natured. People contribute through taxes and donations, then when someone comes to them in need, they’re mysteriously “out of food” or you do not qualify for food. Find and give food directly to needy people. Do *not* give to beggars, who will use it to remain on their substances and avoid working for a living. Do not give donations to the government. They do NOT help people who actually need/deserve help or use taxes to benefit people who are without money.

Sorry , I realized the cost of living when I graduated college and moved out of my parents house. Gasoline reached $1 a gallon and my parents, friends, Co workers flipped out

It looks like the first couple needs some more discipline in other areas as well.

Don't know which is more sad....the pathetic attempt to make these families look poor when they are not or the cry on command financial advisor whose only advise for getting out of poverty is owning a credit card....

@DeidreGeorgia

Жыл бұрын

“Advice”

@geanettepartington691

Жыл бұрын

Yeh, really. I had no sympathy for either one of these examples. The first woman had arms on her like a SUMO Wrestler. She obviously has not missed a meal in her life. That little girl of hers may have non-verbal "autism," but she also can cry or whimper to get anything she wants. How is that, for non-verbal? Then the other lady, both her and her husband are schoolteachers. They are not doing without anything. The chicken being $17. Quit buying chicken. You notice she did NOT GO WITHOUT the chicken, just because it was TOO HIGH. Goes to the store EVERY WEEK for GROCERIES. Who does THAT? I go once every 3 months, if I am lucky. It's just crazy.

@ecclairmayo4153

8 ай бұрын

They are paycheck to paycheck with a small special needs child. Their budget was bare bones. Literally nothing to cut back on. A SECURED credit card was great advise. That's how me and lots of others have built credit in a short amount of time. You literally can't go wrong with it

They aren't buying a house with one income at $15 an hour. I'm surprised they aren't already on the street. They must be getting help from family, church or AFDC.

@kateskeys

Жыл бұрын

Thank you so much for your post it is so true

@rickmaurer8726

Жыл бұрын

Or they are already better off and really not in any financial trouble. Go peddle this advise to a senior living on SS or a unemployed single mom with two kids then see how useless this "advice" really is.

Looks like they eat Well.

@marknewton6984

17 күн бұрын

Too well😮

They should cut back on the food bill....

Stephanie rules. Her compassion is evident.

When families are forced to cutback, more people will loose their jobs in the service & retail industries as they cut down on eating out & forego big-ticket & the unnecessary spending.

@genxx2724

Жыл бұрын

The service, retail, and entertainment industries would never have become so bloated Ike everyone was paying cash.

@sarahmc8309

Жыл бұрын

True it’s a catch 22- but what choice do they have ! I’m in Ireland and cut back on take away into once a month to now never and even that was a budget €20 month but that pays my prepay phone instead .

@cjhoward409

10 ай бұрын

But if people lived within their means and not struggled with paying interest, they would have cash to go out and eat

@beaulieuc8910

4 ай бұрын

yes, that is a good point

She should apply for wic. It’s a program that helps low income families who are working get vouchers to by food for their children up to the age five. Cereal, oatmeal drinks I know that she has special food needs but maybe with WIC she maybe able to buy at least some of her precious daughter foods. Also apply for food stamps that would help to pay for her daughter special foods.

@alezandradavila2581

Жыл бұрын

Yea exactly definitely take alot of help

@TerraAcox

Жыл бұрын

She should get wic and she probably also qualifies for SNAP

@tracymorgan5386

Жыл бұрын

@@TerraAcox Yes and she shouldn’t embarrassed about it. First and foremost her husband works his butt off and is paying more in taxes than they would get in food stamps and if it helps her feel less anxious snap now puts the food stamps on cards that look like credit or debit cards that a lot of people use now and now I believe big warehouse places like Costco and BJs where things can be brought in bulks to save money accept snap and also Whole Foods maybe others also accept snap. I want to point out that I live in New York and this information about snap is from how things are done in New York.

@Anthony-dj4nd

Жыл бұрын

Steal from others should be the name of the program! Ain't no such thing a free food!😤

@joelincolnlincoln6315

Жыл бұрын

@@tracymorgan5386 he definitely does not pay any taxes on 16 hour. Whatever withholding comes back on tax return plus about 12 thousand dollars in earned income , child tax credits, maybe more

Could cut that food bill a tad.

@kellycook3914

Жыл бұрын

Good job body shaming.

@bigpicturethinking5620

Жыл бұрын

90% by the looks of it. And the kid doesn’t need a special diet. The Münchausen syndrome by proxy diet for the child is costing the family dearly.

@genetix7173

Жыл бұрын

Americans

@balloo__gaming1857

Жыл бұрын

Did you come up with that in your mom's basement let's see how you look lol since you're so perfect and if you need attention no reason to be a a-hole to try to get some attention people be so desperate for a like

@genxx2724

Жыл бұрын

Diabesity. Burdening the health care system. 👏 👏 👏

None of these people appear to be starving..and tattoos are a complete waste of money. Those complaining bout being poor always have money for cigarettes, tattoos and highly processed food.

@tiffanycurtis4794

Жыл бұрын

Amen 👏🏾👏🏾👏🏾

@happycook6737

Жыл бұрын

Yes!

@jarrodbarkley9061

Жыл бұрын

Yup

@TimErwin

Жыл бұрын

The highly processed food is the cheapest, excluding fast food. It's ashame how much more expensive it is when you want to be healthy.

@geanettepartington691

Жыл бұрын

Noticed that, too.

You,re at home, paying 6 dollars for a loaf of bread and it never occurred to you to bake it yourself?

@happycook6737

Жыл бұрын

Exactly!

@rosettejones5050

Жыл бұрын

Bread makers can be expensive and she was already complaining about the utility bill

@genxx2724

Жыл бұрын

@@rosettejones5050 Bread makers? 🙄 Try a bowl, a dish towel, and two hands. Or not eating bread - that would help stem obesity and diabetes.

@Belovedselah

Жыл бұрын

I'm not saying that this mom can't make the gluten free bread, but let's be willing to think this through. Even if she could afford to buy the equipment to make this bread, she still may have several obstacles that no one is accounting for. - Time: her special needs child is probably very energetic and for her daughter's safety, she may not be able to preoccupy herself with bread making. At her daughter's age, she may only take one nap a day and not for more than an hour. That's not alot of time to do anything. - children with autism often have sensory issues like tactile sensitivity that could make preparing healthy food especially difficult for children who already have allergies. Her daughter may reject the homemade bread because the texture is different from store brand bread. There are other examples but this should suffice. Let's try to be compassionate

@genxx2724

Жыл бұрын

@@Belovedselah Gluten-free baked goods are awful. Better to just eat other things.

Finally a positive video! This is admirable how they face their reality and work together in their finances. This is what a marriage looks like and is. It's great to see people trying to work around these increases. As a speech therapist I love how she works with Grace on her device during feeding 💕💕💕💕

They are focusing on repairing the credit score so that they may qualify for a home. This is a huge mistake. They need to First attain Financial stability.

@ecclairmayo4153

8 ай бұрын

Yup, and they really need to increase their income. No bank will loan you the money to buy a house without a liveable wage for a family first.

Let's face facts. It takes a two person income to sustain a household. Also, if you are barely making it, have debt, and no emergency fund; reconsider your choice to have a child right away.

We are two seniors; age 72 and 78 and on a fixed income. My husband has CMT, neuropathy and severe mobility issues and is still working three days a week to help us make ends meet. We make too much to be eligible for much of anything and not enough to keep paying for our healthcare and medical needs on our own. What has helped us the MOST has been keeping a strict monthly budget that we stay on and reconciling that budget EVERY SINGLE month! This tells us exactly where the money is going and allows us to make the best choices possible. Our biggest expense is our medical care that is not covered by Medicare or our BCBS insurance (that we pay for each month.) .My husband has needed two dental crowns this year at $1,400 each, he has mobility and feet issues and needed custom orthodotics as well. Those ran $500.00 and we both had our big annual medical appointment (after two years of having only on-line medical appts. during COVID. That appointment with our physician and the supplements we need for our particular health issues cost us $345. EACH-all out of pocket. We also had to have a hole in the wall where the crapes pulled down the curtain rod fixed and that was $200.00 alone. I also paid $49.00 to have our a./c unit serviced (pre heat and humidity season.) This means over $1,500 cash out of pocket going out this month alone (not counting the dental crowns.) We do not eat out, we do not take vacations or trips, we drive a 2012 Subara (that I paid $3,00 last year to have the engine redone AND i USE a $24.00 a month on my flip phone and we have no Cabler TV. We monitor every penny we spend and still we know that my husband's IRA savings will be gone in 6 years.) (he will be just age 84 then) and mine will be gone in 8 years ( i will be just age 80 and we worry...

@playerability

3 ай бұрын

Sell everything leave America Spain would be nice 😊

@donnaallgaier-lamberti3933

2 күн бұрын

@@playerability I have adult children, grand children here as well as doctors/dentist etc. as well as my condo (which will be the money I use to live on in the future.) Moving now would be a very foolish decision.

Uh, sandwich cutters? What's that? You spent money on sandwich cutters (and now you've discovered they don't even fit the smaller sized gluten free bread) lol!! Well, you can start saving money by NOT BUYING SANDWICH CUTTERS. Omg. Cut the bread yourself and use the money saved for food! What are you thinking? What other "dumb" purchases are you making?

@happycook6737

Жыл бұрын

Buying gluten free bread is stupid. Eat rice, much cheaper.

@shaelstrata517

Жыл бұрын

@@happycook6737 True, make her a sandwich wrap, using lettuce as the wrap. I believe oats/oatmeal, is gluten free. Now a days, one can find corn, lentil or chickpea pasta that are gluten free.

Watch the channel "Prepper Princess". She has a lot of good ideas about living well with little money.

@maryfields1382

Жыл бұрын

I like her videos, but basically they all boil down to her sounding like a strict mother saying, "You don't need that."

@ligbzd837

Жыл бұрын

@@maryfields1382 And she is right cuz we really "need" very little to be happy.

@schrodingerssquirrel6973

Жыл бұрын

Prepper Princess taught me so much about frugality! I watch more frugalistas than anyone else on KZread. Mr. Rocky Pants and Nala are adorns! Anyone with finance issues should be watching these people. Type 'frugality', 'Frugal living', And 'Personal finance's in the search field on this platform. I'm serious when I say that when I want to study something I go to KZread first!

@shaelstrata517

Жыл бұрын

And also "Mary's Nest" about saving money on groceries, cooking, etc.

@bloodmoon1956

Жыл бұрын

Don’t think prepper princess goes without now,heard she was a millionairess.

What about the people recovering from disasters?

Mommy can get a part time online job and work from home. She can also take surveys online that pay. They don't pay much, but every little bit helps. I wish them good luck!

@beaulieuc8910

4 ай бұрын

and mombie can stop having more kids

@realtexxxmancosplay

Күн бұрын

I also take surveys on the side, to boost my income a little bit. It really helps.

You don't get to buy fresh meat market chicken wings if you want to stay out of debt or steak or pork chops...that meat wasn't even on clearance

Looks like they need to cut back on their grocery bills!!!!!!

@marknewton6984

17 күн бұрын

Hahahaha😅

I love Stephanie Ruhle.

Have these people never heard of a budgeting app?

@genxx2724

Жыл бұрын

Have they never heard of a pencil and the back of an envelope? The first lady actually did.

Mom should babysit for extra income.

I wonder if the politicians responsible for the inflation causing the increase in prices also need to do these things?

@hobomike6935

Жыл бұрын

they're on the taxpayer's dime; the money flow _never_ stops for them. also, politicians can often vote themselves and their employees/aides a payroll raise whenever they wish (provided they're in fed) and nobody will notice, because it's concealed in 2000-4000 page bills that only attorneys have the time, money, and patience to read through.

They need to increase their income by her getting a job on the weekends and a couple of evenings when the husband gets off work, so that someone is always home with the child. Or house hacking with an elderly person or couple who don't want to go to a nursing home but are not safe alone at home. Some have large homes. They will take in a small family to live for free and even pay the wife as a care assistant. 2 problems solved. No bills to pay and a new source of income for the wife. Just post an advertisement in your local church, grocery store and medical offices.

@janityy

Жыл бұрын

So put ure stuff in storage so not stolen correct ????? And ure pets can't go with u correct ??? That would not be feasible for many

@kayn2756

Жыл бұрын

@@janityy it's not for everyone. And most of these elders that do this have large homes with plenty of space. I did this kind of work years ago when I was in college. Saved a lot of money.

@karek4635

Жыл бұрын

It would be very difficult to meet the needs of an autistic toddler and provide elderly care. Have you ever done that? It would be a nightmare.

@MissNaniPoo

Жыл бұрын

Agreed, I always wonder why struggling families don’t have both adults working. By working opposite schedules you would only need minimal childcare help if any.

@ericb8413

Жыл бұрын

You can’t afford not to work! Get a job when husband is home. Simple.

What I do is prep plan my paydays ahead of time in a binder. When the money comes in, I open the binder and put the money exactly where it was planned to go.

I knew years ago that you never planned a budget that didn't leave you at least 30% of net income . Not gross that means nothing

Housing prices need to come down to a level where it is not financially burdensome for most

What does it matter if you have a perfect credit score but can't afford to buy a house? The whole thing is a sham.

@ecclairmayo4153

8 ай бұрын

Exactly and what bank will loan you a mortgage with such a low income?

$17 for chicken wings 😱

@valeriebolton2607

Жыл бұрын

I'm in Louisville, ky and the same size package of chicken thighs was $8 .

@finanzferdinand9874

Жыл бұрын

@@valeriebolton2607 America is a collection of vastly different economies

@janiceschroeder9908

Жыл бұрын

Don't buy the wings unless they're on sale. Plan your meals around sale items.

@terrylynn9984

Жыл бұрын

That is nothing in Canada those chicken wings would be over 20 dollars. 8 boneless skinless chicken thighs run 12 to 14 dollars, a whole small chicken raw is 15 to 16 dollars in Canada and bone in chicken thighs easily 16 dollars for 9 in a pack.

She should apply for In home support services as her daughter’s caregiver to get paid for supporting her daughter, since he is unable to go into the workforce due to her daughters challenges.

@ampersand.

Жыл бұрын

It`s a parent`s responsibility to care for their children, not the government`s.

@Asneeded

Жыл бұрын

@@ampersand. it’s not my policy, it’s not my program, all I’m telling her is what is there. I work in social services and I know what’s out there. like it or hate it that’s what it is,and she can utilize that program because she is unable to go into the workforce because of her child challenges. My gosh stop trying to argue!!

@whitneyyoung3706

Жыл бұрын

@@ampersand. It's beyond the care a typical child would require. If she qualifies for it, it's because they would qualify for outside help due to the level of needs. It's a social responsibility to provide for the most vulnerable in society. I hope you never have to experience being disabled in America.

@yvonnelee5766

Жыл бұрын

She can also get an online job where she can set her own hours so she can bring in some income while still caring for her special needs daughter. She can even care for other’s kids and bring in income that way.

@Asneeded

Жыл бұрын

@@whitneyyoung3706 exactly, my sister was disabled, and her challenges were made harder by people who didn’t understand what being disabled is like.

Why don't they talk about the greed of landlords? In my area, rents have gone up 30% with zero justification of why it's more than inflation.

@Summer_li53

Ай бұрын

Charging more to use laundry and late fees

@LluviadeOrugas

17 күн бұрын

Zero justification?, try calling a plumber, an electrician, etc one of these days, and you’ll understand how there’s plenty of justification!

@tradeprosper5002

17 күн бұрын

@@LluviadeOrugas And you don't call one every month do you? I was a landlord for over a decade and maintenance costs were minimal.

@LluviadeOrugas

17 күн бұрын

@@tradeprosper5002 , lucky you, you may have had a newer house and good tenants. I’ve been a landlady for 20 years, and maintenance and repair costs are insanely expensive now. Just paid nearly $5K to have a load test done for my fire escape. I didn’t mention how property taxes, insurance, utilities, etc went up a lot as well. I’ve kept rents low for years, I can’t do it anymore without the risk of losing my home.

I've rationed my food spending and eating. I now only eat once a day, and losing weight. Sometimes being poor is good for your health. Bread is not that healthy. You can survive without eating bread. I think people need to learn how to cook healthy meals. Once you learn how to do that, it is very easy to cut back on your food choices.

@ayela562

Жыл бұрын

Did you truly just advise that the answer to the cost of living crisis is eating once a day?

@rickmaurer8726

Жыл бұрын

You do realize eating only one meal a day leads to malnutrition and future health problems down the road. The human body was not meant to survive on that amount of food. No amount of willpower or positive thinking will change that. Just look up on the concentration camps and see how one meal a day worked for all their workers.

@toriphillips7383

Жыл бұрын

I only eat twice a day now, breakfast at about 6am and lunch/dinner at about 3pm and I’m never hungry and I’m also losing weight 😊

@genxx2724

Жыл бұрын

@@toriphillips7383 Intermittent fasting is good for you.

@kayn2756

Жыл бұрын

I eat once a day too. Not for the cost but it's so healthy. I've managed to reverse insulin resistance. I have kids so I still have to feed them.

4 months later and we still can't cope

Start with the wife getting a job. She looks well fed.

@almudenagonzalez760

Жыл бұрын

Las personas más obesas suelen pertenecer a las familias con menos ingresos comen muchos hidratos de carbono porque es lo más barato .No juzguemos .

@igot5onit423

Жыл бұрын

@@almudenagonzalez760 How are you going to text back in Spanish

@almudenagonzalez760

Жыл бұрын

@@igot5onit423 ok . I said that the poorest are the fattest because they can't afford a balanced diet with quality food .They have to eat lots of carbohydrates and bad quality things because its cheaper .And in my opinion it's not right to judge specialy when they are suffering a lot .Greetings from Spain

@almudenagonzalez760

Жыл бұрын

@@igot5onit423 pues cuando tenga algo que decir

@user-wh5ir4fo4r

9 ай бұрын

@@almudenagonzalez760 1000%

Bouth parents are very over weight so cut down eating food will save a fortune.

@inohaveshirt

6 күн бұрын

Healty food cost more than cheep fatty carbs.

Really need to put this out there, you’re amazing and I respect work ethics and enthusiasm towards helping people, thanks for being legitimate..

Looks like they have enough to eat 🥰

The answer is we're not having families wish I could afford to but we can not

This is starting to feel like france in the early 1800s

Gluten and dairy allergy....eat meat, vegetables(frozen is cheaper), fruit and rice. Keeping it basic helps.

what about making your own bread

Why buying chicken wings when regular chicken is less?

@shaelstrata517

Жыл бұрын

Why buy dead bird parts, when beans, lentils, chickpeas, peas, black eyed peas, and lima beans are MUCH cheaper?

Food banks have been life savers for us.

I just feel like this is our way of paying back for the stimulus

My husband is bedridden.im his full time caregiver. I have a broken back a female problem and can't see out of one eye.and I'm running a ranch.with live stock.they are old horses and a old mule.everything cost too much.cant afford to live.

@beaulieuc8910

4 ай бұрын

my mother runs a stables and she is elderly and has a hip op, fortunately she gets someelse to manage it, and we don't have horses anymore, other people bring the horses and look after themselves, she lets out stables, livery

That first lady can get herself a job. If my spouse was only making 16.00 a hour , no way I'll let them be the sole provider and have to pay all the living expenses with such a low paying job. That's just crazy!

Mom, needs to help out with making money. She needs to get an online job that she can work at home where she can set her hours so she can still care for her daughter.

@death24314

Жыл бұрын

Online jobs aren't that easy to get.

What year was this 1990s show filmed?

This is why I stayed single, stayed employed, stayed out of debt. It's comforting to have a good amount in the bank, have no debt, and just wait things out. I'm 57 and I feel lucky in the position I'm in. Yes it gets lonely, but I have no stress if an emergency arises since I can pay cash. Only real adjustment I made was going to 3 days a week workwise. I love my job, and would like to remain there at least another 10 years.

Those balance transfers are tricky, what they don't tell you is that if you don't pay off the balance while you have that zero apr, they can tack on ALLLLL of the interest at the end of the introductory period

@amyhoang9140

Жыл бұрын

You need to just keep that balance without adding any additional purchases and pay off the whole balance by no later than the last day of the introductory period. So that card is used for only balance transfer. Do all other shopping using other cards.

@CocoaPuff01

Жыл бұрын

They do tell you that. Read the agreement.

@ashleybosvik3031

Жыл бұрын

If you know how to handle your finances your good to use them

That was interesting, I enjoyed watching, I budget monthly and it helps

@beaulieuc8910

4 ай бұрын

and living a more simple life with less stuff, less stuff to maintain

Elizabeth might have to go get a job!

Secured credit card...uh... That's a debit card. Been around for decades.

@ecclairmayo4153

8 ай бұрын

The difference is its reported to the credit bureaus

Can’t understand how someone can even enjoy a vacation while in debt.

No she needs to listen to Dave Ramsey DO NOT USE CREDIT CARDS

I think people really underestimate how much time and money it cost to have kids.

@ecclairmayo4153

8 ай бұрын

Yes and so do a lot of people in the comments. They aren't understanding that it takes more time, patience and effort especially with a little one with special needs.

@beaulieuc8910

4 ай бұрын

i agree, esay way into debt,same with dogs, and huge vets bills, less stuff is a lot better. I don't have kids or dogs and paid my mortgage off early

Two can live as cheaply as one, so those of us who are retired and live alone often have far greater challenges, than families, especially if we are living on Socia Security. Being a Mindful Prepper, is how I mitigate shortages and inflation. It is my emergency stash that is always there as a safety net. I already use it, which helps pay for unexpected expenses which seem to happen more often than not, even though I shop Grocery Outlet, and 'REDUCED' bins. 95% of everything else is bought used, but in excellent condition, I maintain and repair everything.

People like a good credit score , makes them think it's allright to borrow more . Only snowballs with time

Why put them in more debt

I make my own bread at home in a Dutch oven. It is so easy and so cheap like maybe one or two dollars a loaf.

Turn the comment section off. People are ruthless.

@jaymeleonhard3764

Жыл бұрын

If people have never had to care for a special needs child they have no idea.

@gmac8586

Жыл бұрын

Yes, people are ruthless I agree. I think they are just mad and exhausted and feel powerless. Let them have the platform to rant. People are taking out their frustration on other people instead of questioning why we are all living like this. It's disturbing sometimes but removing the comments feels too close to censorship and it's the last thing we need.

@myyt3824

Жыл бұрын

No people are observant and honest.

@happycook6737

Жыл бұрын

People are honest! After living in countries where people starve to death in the streets, I find these complaining families ridiculous. They waste money in ridiculous ways on crap they won't remember 1 year from now. Asian immigrants get rich. Why? They skimp and endure for 10 years, pay cash for things, start businesses and then live The American Dream. Native born Americans live as if they were rich, building a house of cards using credit, and end up slaves. Our grandparents understood the value of frugality and endless hard work. We are all, almost without exception, pampered over indulged brats.

@maryfields1382

Жыл бұрын

For most of us, life is ruthless.

What amazes me is that recently my husband has been having to work overtime 10 hours a week. But we embrace it because it pays time and a half. YET, half of the people (the same ones that complain that they don’t make enough) don’t show up that extra 10 hour shift 😮🤪

@jjones5345

10 ай бұрын

Maybe they have other responsibilities and can’t spare the time… why judge?

@cjhoward409

10 ай бұрын

@@jjones5345 Because my husband is the supervisor and when others don’t show up (if they had other responsibilities, it would be nice if they inform my husband the night before that they can’t make it in ) My husband has to do their job besides his. So yes, I will judge the lazy !

@beaulieuc8910

4 ай бұрын

as an older person, I would rather have time, than be stuck at work for yours being unappreciated

Great advice

Buying a home without any savings will be a real success. They will never come out of their debts, After decades they have no home instead they just payed the bank. I never will unterstand how americans believe they can buy a home no matter about their financial background. Single income I mean how??? how do you people think you will pay for a home??

Not sure the economic challenges are "unprecedented. " let's think back to 2007, the 1970s, even the inflation and interest rates of 1980s, back to the Depreasion, and generally every year before the depression and World War I people were in worse situations than they are now.

God blessed your 👪

The second family has a debt problem, not an income problem. Inflation makes that worse, of course, but debt is toxic no matter what the inflation rate is.

For me i really like corn

@shaelstrata517

Жыл бұрын

Make sure it's non GMO.

Adopt a vegan/plant based diet. Not only is it cheaper, but its healthier and climate friendly

@ccutehoney

Жыл бұрын

It’s not veg and fruit usually cost more than processed foods

@veganc5028

Жыл бұрын

@@ccutehoney I haven't found that, and beans, rice, pasta is cheap and makes a lot of meals

@ccutehoney

Жыл бұрын

@@veganc5028 pasta isn’t gluten free and not all beans especially in cans are gluten free. We have celiacs in our family you have to be very careful

@veganc5028

Жыл бұрын

@@ccutehoney you can buy gluten free pasta and just about anything else gluten free nowadays

@ccutehoney

Жыл бұрын

@@veganc5028 then that’s counter intuitive if your stating that vegan/plant life is cheaper

Vavaction?? Whats a vacation? Only got 1-2 as a child, my mom& dad were busy working so we could live roof over our heads, food in table & in fridge no time or money for a vacation! Im 55 only been on a pcoupkenif vacations in my life, last obe 5/6 years ago was with my mom, my cousin& her retured husband, we vusited 1 or2 of my adult children, my son was going to svhool near the beach, ge called & asked me to bring him his lunch box & water jug( 5 gallon). We riad tripped stated night at a travel trailer park in my cousins sleeps 5 travel/ camping trailer. a mile or so from the beach. We had fun saw a lot & spent very little on food & gas( we shared the fuel bill & park fees.😊.

@schrodingerssquirrel6973

Жыл бұрын

Vacations cost too much and they are exhausting to prepare for and recover from. I prefer 'Staycations' with super pampered self love. A couple days here and there in the year and you're good to go!

@beaulieuc8910

4 ай бұрын

sounds a of fun, we didn't have expenisve hols either about 3 in my childhood, camping, trip to visit relatives and a riding holiday which was a bit o f a luxury to be honest. I still love camping in a tent 50s

We all have a sappy story. Life either happens to you or for you. At the end of the day, you’re responsible for your circumstance. Everyone gets what they deserve.

Have they tried moving out of the usa? I heard moving out to Mexico is a good option.

@bigpicturethinking5620

Жыл бұрын

Mexico doesn’t want such types.

People in 2022 the cost of living is high also people in 2022 we’re expecting our first child.🤣

@maryfields1382

Жыл бұрын

or our fourth child, or fifth child. I've seen people give more thought to the tattoo they want than preventing another child they can't afford to feed.

@beaulieuc8910

4 ай бұрын

well said, people keep popping out kids and being unable to pay for them @@maryfields1382

She needs a financial plan. They need a monthly and weekly budget, plus know what money you spend daily. Shop at thrift shops for clothes and toys, use the public library for books and cds.Learn about frugal living from youtube living. Look into daycare options for your child that help meet her needs. Many school systems have prek for handicap children and free speech and other services.She needs be around other children. She might qualify for government programs. And the mother might need to get a parttime job. I work in public education. Many parents I know with children who are handicap work.

It looks like the guest are eating really well.......

Facts i eat gluten free, bread is a no-no potatoes and rice are my best friends 😂