I think the only way i can survive at this point is picking up a 2nd job. I've never felt lower in my life with all the expense increases. I'm like looking for anyway to avoid this. No AC, i line dry my clothes, i tell my kids no YMCA play at school with friends, i carpool. I wish i could get the free internet, but im over the handout cut off. Never seen prices sky rocket like they have. I think i'm going to start with a second weekend job and if that doesn't work do a job in the afternoon, there's a lot of for hire jobs, they just don't pay well.
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@3chy, aldi's is closed by the time they get out of work.
@3aep you'd be wrong, but that's nothing new I'm sure if you're in the habit of this sort of trollish behavior.
A turkey brat and a single serve cup of applesauce from Aldi is well under a buck.
@3fvl, what did you have for dinner last night? You should have had a potato or rice and a piece of chicken. But I guarantee you had something that cost $15 instead of $3.
I've cut expenses everywhere i can, but since I have a very fuel efficient car, I do Instacart delivery in the evening and on weekends. It's not great gig pay but I'd be destitute otherwise.
Work with your ex spouse, family members, neighbors, kids school, kids coaches/teachers, church, vacation Bible school or other parents to see if they can assist with childcare arrangements and make a schedule so you can find extra work part time.
My dads career in the military kept him gone for long periods of time for deployment overseas or during world conflicts and war. My mom was pretty much a single parent during those times of my dads deployment and we were stationed far from family most years. She worked full time to make ends meet at each duty station.
Childcare and after school care was expensive even in the 80s/90s, and only me (10) and 1 sibling (8) would get off the bus together after school and go straight home, do our homework and chores, and wait for her to return by 6 pm.
My mom made arrangements with other neighbors and mothers to keep an eye out for us between 3-6 pm. Only my youngest sister (2) was in full time daycare. In the summer I had to watch my siblings who were 8 and 2. This continued well into my teenage years before we were able to get part time or summer jobs as teens.
In return, my mom would do the same for the neighbors children when they needed to go to work after hours or had errands to run. Nothing that required someone to sit with us during those hours, but a heads up that we were home alone but had rules/chores during those hours, and we knew who to turn to for safety reasons or for an emergency.
If we were stateside, some summers were spent with my grandma who lived in a beach and harbor town which was a nice treat and getaway. But those times were far and few, but cherished.
Not sure how old your kids are, or what your local laws are for children being unattended. Build a strong network within your community and return the favor to other parents. It takes a village.
You can cancel cable TV. Lot's of other ways to view movies, news, etc. Check every bill you get and see if you really need the service. Mow your own lawn, rather than pay $35-$45 for someone else to do it. Cut your own bushes with a hedge cutter. For credit cards with an outstanding balance that cannot be paid in full right now do a credit card balance transfer to a credit card with 0% interest for a year or so. Don't need a land line phone anymore really, just a cell phone. Make a list of all of the prices of things you need to buy and how much they cost at the various local stores, and shop the cheapest. Use discount coupons.
FJB I’m also looking for a second / another job. It’s hard I’m a single parent with three kids
I don’t think my account on that website would generate much revenue. I’ll stick to pizza delivery.
@1buy that's enough to give every wfc employee a 10¢ per hour raise!
Can't believe no one's suggested the site the starts with an O and ends with a Fans
Every single thing JB has done has hurt the economy and the country. If you can’t see that, there is no help for you.
What do you think an appropriate tax rate for those making over 400k should be? 90%?
How do you do, fellow poors?
People really take these posts seriously? LOL
GenXLatchKeyKid didn’t make it political in parts 1 & 2, shared insights for sure. Just straight facts and remembering how we survived over the decades. Yet some of you on here arguing like this is FB in the comments and down voting GenXLatchKeyKid responses. Sad. Go back and read it.
“I don’t care if you make $30k a year or $1MM a year, we are all just one paycheck away from the brink of disaster. “
That’s quite presumptuous of you! Speak for yourself
Wells pays me so badly that I have to take a second job. But rather than ask anything of noble Wells Fargo, I came here to this Wells Fargo layoff board to preach about how the government shouldn't offer assistance and the dems are to blame for everything, in a badly faked ebonics voice.
Yeah, this is real. Lmao Qtards will believe anything, so they can't understand that normal people can see right through their lies.
"I wish i could get the free internet, but im over the handout cut off."
"What the Gubmint did was to cause mor problems by giving out money. No, you or I DO NOT need money from the Gubmint. It is legal theft from the taxpayers and our children suffer as well."
This whole thread is just the Qtard posing as his stereotypes of people demanding handouts so he can talk down to them about their spending choices and blame the dems for everything.
He has the mind of a child, it's not difficult to see when he's up to his racist tricks.
@1jhi+1hadpBXA What the Gubmint did was to cause mor problems by giving out money. No, you or I DO NOT need money from the Gubmint. It is legal theft from the taxpayers and our children suffer as well.
@1hgc+1hadpBXA Well said bro....... been der dun dat 2.
The gubmint should just pay us for this high inflation. Send us monthly checks to make up the difference.
TLDR: “Go Old School” - Part Deux
Looking for a second job? Try the bigger box stores that the hourly wage starts at $15-$17, or even higher. Guarantee your availability on the weekends, if you can do 2, 10 hour days, then do it. Tell your kids that you need them to step up and take care of each other while you take care of them financially, age appropriate of course, check your state laws. Tell them what you expect of them while you are working, create boundaries and consequences. I was a Latch Key Kid, so I knew what was expected of me, and anything I did that veered off course could hurt my parents and our family financially/legally. Create responsibilities for actions and decisions, it will stick with your kids for a lifetime.
Sell some things on eBay or Facebook Market Place. Stack of video games no longer used? Sell it. A closet full of good condition or new clothes or shoes you don’t wear or the kids have out grown, sell it. Jewelry you don’t wear or don’t like, sell it. Sports equipment collecting dust in the garage? Sell it. Sell anything and everything that doesn’t have sentimental value or serve a purpose in your life. Challenge your kids to sell their stuff they don’t use or want anymore so they can learn to put those funds to other use and wants.
I don’t care if you make $30k a year or $1MM a year, we are all just one paycheck away from the brink of disaster. Get in a mindset of saving. For every dollar you make, say to yourself, $0.25 needs to be saved and put aside for an emergency. Before you know it, $250 of every $1k will be tucked away as a safe cushion. Get into a mindset and place that you can get that savings to 40-50% of everything you bring in from your day job, weekend job or cutting costs and keeping household expenses low. It will take time, and it will be grueling, but it will be worth it. When and if that emergency comes, you will be prepared and not be stressed out. Even if that emergency is a life change or an opportunity to move or take a better position in another city/state, you will feel confident to do so because you have financial backing, you invested in yourself.
I wish you and your family the best. You are not alone. We all are experiencing this. The impact to all of us and our families near and far is felt. Now get out there and make those changes today!!!!
TLDR: “Go Old School”
I’m sure you have cut every cost and are continuing to make every dollar stretch and rubbing 2 nickels together like all of us. It’s a stressful time for many people right now, whether single, married, divorced, kids or even seniors on a budget. The cost of everything is shocking, but we all have been here before, at least I have in the late 80s to early 90s as a child, the tech crash of the early 2000s as a young adult fresh out of college, the recession and housing crisis of 2008-2011 in my 30s, even now in my early 40s getting sticker shock at the price of groceries or filling up at the gas station.
A few cost saving tips to share. Contact your Power Company and see if they have an Equal Payment Plan (EPP) for Electricity use. I wouldn’t want anyone to go with out AC during the summer months, it could lead to health problems, wheezing/asthma, sleepless nights and heat can make you crazy or irritable. My EPP plan has a monthly rate of $100. Many neighbors get a $400-500 bill during the hottest months in the summer, and I’ve told them about the EPP to lessen the financial impact. My usage and billing rates are analyzed over the past 12 months, then added up and divided by 12 to give me a flat monthly rate. Winter months my usage is lower due to Gas Heating, but peak summer months and early fall are higher due to AC use from May-October.
You can do this with the Gas Company as well. It helps to have a budgeted amount for Utilities so you don’t feel the sting of the high bills during the summer months. I keep my thermostats on 74 during the day, 72 at 8 pm then 68 at 10 pm for sleeping hours until 7 am. I keep every ceiling fan running during 24/7 to circulate and keep the temperature comfortable. I pay $50 a month for Gas thru their EPP. Again, I don’t really use gas in the summer months, but it’s better than getting a $300-400 bill in the winter months when the temps are 30 degrees.
Also, walk around your entire house. Unplug anything and everything that you do not use. I’ve unplugged lamps, electronics and random things that are in rooms I don’t use or go in frequently. The toaster oven and coffee maker does not need to be plugged in 24/7/365, only when I need to use it. Even powered off, those items still have vampire energy, and stay in standby mode draining kilowatts and adding to your bill.
Check the peak and off peak hours of your Power Company. For instance, I do laundry, drying of clothes and/or the dishwasher after 11 pm. Off Peak electricity rates are much cheaper, sometimes by 50% or more.
Cut out every streaming service you don’t need but adds up to costing you just about the same as a full premium cable package. A majority of content is free on YouTube or other sites. I have free entertainment streaming thru my wireless cell provider in a bundle package. That’s good enough. Missed that show everyone is talking about? Oh well, didn’t have time to waste anyway.
Change your wireless plan or carrier to something more affordable. Change your cable/internet plan to the bare necessities for internet.
Meal plan and meal prep every Sunday. Buy in bulk at Costco/Sam's/BJs. Buy specials and coupon clip where you can. Having a Meal Plan helps to keep you from over spending at the store or just saying efff it, let’s go get fast food or eat out because nothing in the fridge or pantry makes a meal or looks appetizing. Believe me, that’s my downfall. Even prep snacks to have on hand at all times in the house.
Cut out all frivolous and spontaneous purchases. No, you don’t need chips and soda at the gas station, save that $6 towards another event for taking the kids out for an ice cream/snow cone or ice cream truck on a summer night.
Parks are free, some have splash pads or pools for the kids. Pack a picnic or the meal you planned to eat anyway for lunch/dinner. Bring a yard or lawn game with you. Some of the best times with my family as a kid was going to the park on a nice day or afternoon.
Libraries are free. And they have daily and weekly programs for all ages. From toddlers to seniors. I didn’t grow up with an iPhone or any technology, but I grew up in a library that had countless activities and the chance to use my imagination and creativity thru books and the early ages of computers and programming classes that were free in those days. At one time, we were all unplugged and lived just fine without technology. Seeing kids addicted to phones, tablets and games saddens me. The need to be constantly entertained is baffling, both in children and adults.
Run all your errands on the same day. Challenge yourself to see how long you can go without moving the car from the driveway. Make it a game to save on gas fill ups. Order in bulk with Walmart or Amazon. Delivery is free if you spend $25-50. You don’t need a premium account or prime for free delivery, so cut that subscription as well.
Be honest with your kids about money and the current situation. My parents were open and honest during many hard years, and these years are still happening in my 40s and them in their late 60s. I’m glad they didn’t create an environment where we lived a lie. Shielding your kids from the stress of life is one thing, lying to them to keep up appearances is another thing. I was aware that money was tight at a young age thru my college years, and that I didn’t need or ask for things that would have stressed them out. My siblings and I started babysitting, mowing yards, tutoring, etc and then when old enough to work (15-16) took summer jobs and after school jobs all the way thru college to take the burden off my parents of wanting things they couldn’t afford.
There was no college savings or college fund put away by my parents, that wasn’t in their budget, it was hard enough to cover the basics. It was up to us to get good grades and apply for scholarships and grants, and pay it ourselves. Student loans were not an option, my parents were not co-signing for Jack, and my family believed in being debt free other than a mortgage. We saved for every purchase and made most purchases in full with cash. I paid my way thru college from balancing school and working, saving and being cognizant of the priorities in my life. I have friends in their late 30s and early 40s still saddled with college debt and credit card debt from 10-20 years ago. That is no way to live, indebted for a lifetime. It’s a lifetime prison sentence.
Make everything last. We were taught to respect the things we had, because we weren’t sure if they could be replaced. Furniture, clothing, shoes, toys, bikes, rollerblades, first cars, etc. Instill this in your children, they will be better people later in life for it.
I've been there and may be there again. I hope you make it!
$57mil went to 5 exec
If you have time for a second job it's no wonder you're not paid enough to live on.
Jobs where you deliver from your car have high costs. Obviously gas and then there are repairs. Both are very expensive.
And this is only the start, it’s going to get way, way worse…
This should be your motivation to work hard/smart for a newer job or promotion.
I’m now delivering door dash on the side. I make about 82k base and cannot keep up. I have no debt besides a midsize basic car. Salaries here are no longer feasible. I’m looking elsewhere while I do the side gigs.
Meanwhile, Charlie and Scott and the top live in their luxury penthouses and massive homes while telling you all to cut back and reduce expenses at work. That's just so the execs can line their pockets with more stock options and excess bonuses.