My household needs $1100/month to pay for the basics - housing, food, gas so I can get to work, utilities, etc.
Over the past 8 years there have been quite a few months I earned less than that. A few months I earned less than $50, total, from all sources.
How the HELL am I supposed to “spend less money than I take in” when the basic expenses are $1100 and I only made $50?
Yes, clearly I needed to find a job - which I did. Eventually. But meanwhile, WTF is a body supposed to do? Simply not pay the rent? Not eat while waiting for foodstamps to be approved?
Oh, and then there was the employer who refused to give me the wages I had earned - which required a court case. It took me nearly a year to begin to collect those wages.
So - how hard is it to spend less than you take in? It depends on, for one thing, whether or not you have any income. Whether or not your income is sufficient for you basic needs.
The ONLY “safety net” help we get, the ONLY “welfare”, is foodstamps and subsidized healthcare. We get NO housing assistance. NO utility assistance. NO cash assistance. We do not not qualify for housing or utility help. If one of our vehicles breaks down it sits until we can scrape together the money.
It has taken me most of this month to save up enough money to make a trip to see my dying father… and I’m not going to make it. I will have to borrow the money, because this isn’t something that can wait for a year, or two years, for us to slowly raise the money. And, in addition to scrabbling to make the basic costs we will THEN have to pay back that money, somehow, on top of struggling to pay for just the bare necessities. (More detail spoilered for those who’d rather not read the novel-length post)
[spoiler]That’s what being poor really is - not being able to afford to visit a dying parent, worrying whether your 13 year old car is up to the trip, wondering if your home in that deteriorating neighborhood will be broken into while you’re gone, trying to calculate if it is cheaper to take a longer, slower route without tolls or pay for the tolls and only take a day to get there, having to take the time off work without pay because people at your level don’t get paid vacation, wondering if you’ll still have a job when you get back, wondering how the hell you’re going to afford to pay for the gas, finally having to borrow the money and spend a year or more paying off a trip you can’t put off because dad’s not going to live much longer. It’s debating whether you have to sleep in your car in a rest stop rather than check into a hotel because you can’t afford that hotel and if you put it on the card you might not be able to make the monthly payment.
It’s also being afraid to admit any of that for fear someone will castigate you for spending above your means, for paying for it on a credit card even through you struggle to make the minimum monthly payment, being criticized for being so fucking poor that trying to visit your dying father when he’s still aware enough to recognize who you are throws you into debt, being told that it’s irresponsible to take time off work, earning money is more important than your family.
Worse yet, because I can’t quit work for several months, because my elder sister can’t (she is also the chief breadwinner at her house), because my other sister has no transportation, even less income than I do, we may have to ship my spouse off to my sister’s house to care for dad at home as long as possible so we don’t all collectively run out of money. That means all the struggle I currently have but without my chief emotional support. (Also, if he’s gone long enough we’ll lose our food stamps - only one adult in the household, you see, and by my own self I wouldn’t qualify. Which means when he comes back I have to go through the damn application process all over again.)
Now, I’ve been through the dying parent this three times before (both of his and one of mine). It was a HELL of a lot easier to do this when we were middle class, and that wasn’t easy at all. I try to explain this to people and they often go on about how life (and death) is hard for everyone blah, blah, blah - no, it’s harder when your poor. When you’re middle class a long car ride or a plane ticket is annoying, it’s not a financial disaster. Middle class jobs are more likely to follow the rules on things like family leave. Middle class people are more likely either have an emergency fund, or being able to pay off emergency credit card charges, and more likely to have access to things like a credit union to consolidate such things into a lower interest loan (which I did for prior situations like this when middle class). Middle class people are more likely to be able to pay for things like respite care, or home health aides, or various supplies that can make caring for an invalid easier.[/spoiler]
How hard is it to spend less than you bring in? Well, this March I have two choices: I can be responsible (by some peoples’ definition) and work the whole month, not go anywhere, and risk never seeing my father alive again, not to mention leaving the burden of dealing with his final days entirely on the shoulders of just one of my sisters (as the other is so much worse off than I am we already know she can’t help). Or I can spend more than I make and see dad at least one more time before he dies.
And remember - I’m probably one of the more responsible, frugal poor people, highly educated, etc. I probably can figure out a way to make this all work, somehow, but that doesn’t mean everyone in my position could do the same.
It’s pretty damn easy to spend more than I make, because every month I’m right at the edge.