Archive for November, 2016

​When you’re poor, your worst fear is losing even the crappiest job or vehicle. You don’t get to “quit and find something better”; you have to find something better and then quit.  My worst nightmare is not being able to pay my bills. I’ve managed to scrape together enough space on credit cards to save my credit score for years, but I worry about what will happen the day I can’t even when I’m trying my hardest to. 

I don’t learn to do my own car work because it interests me; it interests me because it saves me money. Even on small things, it is always cheaper to do it myself, but know-how is not something I have been fortunate enough to be equipped with. 

Every time I’ve been on my own, my savings has shrunk to zero. Something happened like not being able to find a job for months or one of my rabbits breaking her leg and requiring medical attention (which put me on a canned-and-ramen-soup budget for a while) or a microwave/dryer bursting into flames. And then the smallest thing could cost me my ability to pay my bills. Some jobs will fire you for taking a sick day. Some jobs will fire you for taking a day off at all, and if you have car work to be done and 12-hour shifts or maybe 2+ jobs… Many people wind up homeless or in debt. I wind up back with my parents. In credit card debt. 

And before anyone tells me I should “just work full-time”… I’ve made more money working 2 part time jobs because even when you’re ft, even when you’re poor, now, your company can force you to accept their insurance plan, which takes maybe 30, maybe 150 out of your pay for the month, even if you’re poor enough to qualify for free insurance. And if I lose a ft job, that’s it. All my eggs were in that one basket and I lost that bet. I don’t have enough savings to get laid off or to pay extra out of my check each month for an insurance plan I don’t need because I qualify for a free one. Paying for insurance out of your check when you’re poor is like working a whole day or so per month… For free. Paying union dues can be like working half a shift per month for free. 

You have to have money to save money. It’s absolutely true. It’s a mad, mad world full of little things that could end someone’s whole world in two words “you’re fired.” “it’s broken.” “payroll error.” “I’m sick.” “laid off.” “cut hours.”

No money.