low income

[Babyface20]

The way this economy is there is a lot of low income families out there. My fiance is the only one working because where we reside they hire men before women plus all jobs here are leaving because they can't stay a float plus pay there employees. But some plus side is they have few websites like FusionCash to help us all out.

[alice44]

I definitely feel for and identify with the low income families.  There are way to many homeless families with kids.  I wish I had an answer  :-
I volunteer for a church distribution site and the guests are all soooo grateful for the help.  Some of our volunteers were once guests and are paying back. 
HOWEVER - I do feel the countries economical atmosphere has taught many people to recognize what is most important in life and that isn't money.

[southernhorizons]

Flackle, you've got some great ideas! But everyone does have a different outlook, not just about material things. For example, my parents never had much money, but they raised a large family with no government assistance. So even though my father lived paycheck to paycheck, his well-fed and taken care of family is more important to him than money and security. He certainly had his priorities straight as far as wants versus needs. We always had the basic necessities, but not a lot of extras. Even as kids almost any toys we had were gifts from relatives or friends. I thing it was good to be brought up rather austerely. It gave us a good appreciation of the really necessary things in life, and taught us to be frugal.

Having a large family without financial security? What would have happened if he lost his job, car, house, and the rest of his possessions? He wouldn't have been able to take care of you then. I consider financial security a NEED in today's economy (its really difficult to go out in the woods and find food/drink able water now a days so having money/resources saved is necessary for survival.) and to raise a family without financial security is hazardous, irresponsible, and risky. I'm really glad it worked out though. If anyone is thinking of doing this (especially now that having a job is extremely risky and its very possible to get fired with little notice) they really need to rethink their priorities. I'm not saying don't have a family (a family is a wonderful thing.) It just make sense to be secure FIRST and then regardless of what happens you are prepared to take on the responsibility of having a family. This isn't just some outlook on life, it's common sense.

My father is NOT irresponsible. The reason for not having a lot saved up is because his family grew but his paycheck didn't, at least not a lot. He had a secure job working for the governemnt, and no car payments. If most people waited until they were finacially secure to have kids, there would practically be no kids today! And regardless of what some people think, not having enough kids to replace the population is not good for the long term economy of a nation. Just look at China, where they limited families to only 1 kid. Now they are beginning to realize that  there are not enough workers to support all the old people. And it will only get worse as the generations go on.

[Boise40]

yeah, I would say that I am one of the low income people. I work part-time and I bring home about $400 a month. I don't have any benefits from work and I been working for the company for 2yrs now. I don't have any medical coverage and I don't remember the last time I went to a dentist. I bet they will have bad news for me since I haven't seen a dentist for so long. Im still wearing my glasses from high school and I had to fix them with duct tape. Anyways, nothing is going well for me

[Red02102002]

 ;)I have no income. So keep up to date!!!

[marcee30]

any low income families out there? times are tough especially if you got kids...
[/quote

I live by myself and get the kids in the summer.
  Trying to support them from a distance & pay my own way is a struggle not to mention on a part time salary. 
  That's one of the main reason why I do the survey sites. 
  I am currently signed up for about 3/4 that combined pay pretty well. 
  I dedicate a few hours a day towards each one and the cash outs always seem to come on time. 
  I am working on my 3rd cash out from FusionCash now

[EDW39A]

Try reading, "Your Money or Your Life" the updated version. Check it out on Youtube. And, "What Color is Your Parachute", where I learned to understand the concept of "stop gap" jobs. I have been a little lucky, been using the free public library for ideas. Started a home based business, with $149.00. The major skill needed is easy sales ability (like that needed to sell a book for $20) and good listening skills. Not saying it is foolproof. In fact it is like FusionCash, many never get (actual start, try and continue until it is solid) a good referral or marketing system going. I see a lot of good ideas here. Like paying yourself that 10% first. I would go as far as to say living off of 70% of your income, if you make enough. Learning to invest is important too, read "The Intelligent Investor".  It was written by Warren Buffet's teacher (we get paid to search), Buffet said it was the best investment book ever written. He was blessed to find it and his teacher. Made him the world richest man at various times.

[Flackle]

Flackle, you've got some great ideas! But everyone does have a different outlook, not just about material things. For example, my parents never had much money, but they raised a large family with no government assistance. So even though my father lived paycheck to paycheck, his well-fed and taken care of family is more important to him than money and security. He certainly had his priorities straight as far as wants versus needs. We always had the basic necessities, but not a lot of extras. Even as kids almost any toys we had were gifts from relatives or friends. I thing it was good to be brought up rather austerely. It gave us a good appreciation of the really necessary things in life, and taught us to be frugal.

Having a large family without financial security? What would have happened if he lost his job, car, house, and the rest of his possessions? He wouldn't have been able to take care of you then. I consider financial security a NEED in today's economy (its really difficult to go out in the woods and find food/drink able water now a days so having money/resources saved is necessary for survival.) and to raise a family without financial security is hazardous, irresponsible, and risky. I'm really glad it worked out though. If anyone is thinking of doing this (especially now that having a job is extremely risky and its very possible to get fired with little notice) they really need to rethink their priorities. I'm not saying don't have a family (a family is a wonderful thing.) It just make sense to be secure FIRST and then regardless of what happens you are prepared to take on the responsibility of having a family. This isn't just some outlook on life, it's common sense.

My father is NOT irresponsible. The reason for not having a lot saved up is because his family grew but his paycheck didn't, at least not a lot. He had a secure job working for the governemnt, and no car payments. If most people waited until they were finacially secure to have kids, there would practically be no kids today! And regardless of what some people think, not having enough kids to replace the population is not good for the long term economy of a nation. Just look at China, where they limited families to only 1 kid. Now they are beginning to realize that  there are not enough workers to support all the old people. And it will only get worse as the generations go on.

This is ignoring the fact that china is starting to own most of the means of production and that almost all products that we use come from there. A nations economy is made up of a combination of MANY things, not just how well they take care of the elderly. Besides this fact, the world cannot support an infinite number of people. The fact that there less young people hurts the economy in total has less to do with how the economy works and more to do with how people are realizing that social security is a failing system. The annual population growth has been declining (it was 1.3 percent, now according to google public data its 1.2% (It was 2% in the 60's). Less people can afford to have children, therefore they choose not too.

Your father was in a great position to become financially secure before he decided to have kids. He could have waited just 5 more years, saved and invested his money and would have been much better off. So you believe that its better for millions of people to have children they can barely take care of then for a few hundred thousand to have children that they can afford to take care of without risk? Your father may have been responsible with what money he did make, but he was lucky to live in a time where you can get a secure job. You cannot be this risky anymore, times have changed. There is no such thing as a secure source of income. Financial security can never come from one source of income.

Another interesting note, if people became financially secure before they decided to take on a lot of responsibility then there would be more people financially secure. Then there would be a lot more people who are not only financially secure but also more people who have the capability to have children. I'm glad to see that world wide, people are starting to realize this.

[blondie71]

I have always been considered low income but my son graduated in 2010 and he moved out like 6 months later and my husdand and I have been living off $633.00 a month, but starting in October he will get his full benefit amount of $698.00 month.  which isn't a lot especially after rent, electric, and car insurence That is about half his income because we get help on our rent, winter is comming so Our electirc bill with double.  when this happens it will be over half his income.  We pretty much stay at home we only go to town for doctors appointments and we do our grocery shopping at that time as well.

[webe4angels]

Yup...

Just like others... we watch were our money goes...
Coupons, no eating out.. eat at home or bbq.. rent or buy a movie... instead of the theater...
freeze fruit and veggies in season.
And a lot of online sites...
FusionCash is by far the best out there... seriously.
I also loomknit, crochet and quilt to help bring in a little extra.

You have to do what you can in this economy...

Good Luck!! 

And... Happy Earnings!!   

 

[ljrjess69]

im low income and yes its tough 

[Paulinha]

i know what you mean. I am out of work

[aconroy]

Middle class has become the new poverty class at least if you live here in Nyc!!!

[mjdoug03]

I am not low income now, but I have been through some tough times.

[hawkeye3210]

My father is NOT irresponsible. The reason for not having a lot saved up is because his family grew but his paycheck didn't, at least not a lot. He had a secure job working for the governemnt, and no car payments. If most people waited until they were finacially secure to have kids, there would practically be no kids today! And regardless of what some people think, not having enough kids to replace the population is not good for the long term economy of a nation. Just look at China, where they limited families to only 1 kid. Now they are beginning to realize that  there are not enough workers to support all the old people. And it will only get worse as the generations go on.

I’m not sure how anyone can believe in job security anymore, but the reason people seek job security is that they see it as a way to help them be financial secure. The value of job security mean less and less when your expenses approach your income. That also doesn’t even begin to consider the risk that one’s health may limit their ability to work or any other risk that may cause ones expenses to go up. From the sound of it, your father was fortunate not to experience some of those things, but there are many families who have not been so fortunate. The future is unknown so not striving for financial security is gamble. A gamble that I believe is irresponsible when it involves the well being of my family.

As for your views on the economy, they are a little misguided as you are way too concerned about its size. Long term, the size of the economy adjusts to its population. That’s why things like unemployment are measured in terms of percentages because it gives a better view of the actual state of the economy. As for China, their economy has greatly improved over the last 30 year since the 1 child law was passed. The issue you are concerned with is not the economy but rather the flaw in the pyramid structure for things like social security. The same person that waits to be financially secure or at least closer to it before having kids, would also be likely be the one  to maintain that level of financial security by putting back for retirement and therefore not dependent on government aid or need their children to support them financially. If more people did that, things would be better overall.