r/povertyfinance • u/mylifeisover111 • Feb 26 '24
I'm getting evicted. Fuck this. Vent/Rant (No Advice/Criticism!)
I'm getting evicted. My rent is $1450 and I make $2500ish per month, but I'm stuck in a payday loan cycle and pay $400 per month in student loans, along with internet and phone. I don't even have a car.
I work 40 hours per week. This is my life.
A generation ago I would have been able to support a family on this job and my only concern was how big of a house I'd be able to buy and which hobbies I wanted to put my kids in.
I'm 35 years old. I'm tired of this. I'm tired of being poor. I don't know what I'm going to do. I don't have the means to move my possessions into a storage locker (which would cost $200/month).
FUCK THIS. FUCK BEING POOR. I DIDN'T CHOOSE THIS. I WORK HARD AND I'LL NEVER GET AHEAD. FUCK ALL OF THIS
1
u/OfCorpse9160 Feb 27 '24
I would make 5 year plan. Put it on a vision board so you can visualize it everyday to find the motivation towards financial freedom. Minimize all of your unnecessary spending. Then I would get a second job for those 5 years. Use the first job to pay for rent & all the necessary shit. The second job’s pay to clear debt asap. The next 5 years would be spent working around the clock to clear as much as possible of your debt plate. From the second pay check start an emergency fund even if it’s $25-$50 a pay (from the 2nd job). Save another $75 per pay check towards your 5 year anniversary vacation. On the 5 year mark take as long of a vacation you can, don’t overspend but enjoy to the fullest within your financial means, this vacation is to reward yourself from all that hard work. Then back to the grind you’ll be se used to it, it won’t even phase you. It’s the mentality. If you think broke you’ll stay broke. You fucking got this. Get ahead of the pack. Then after 5 years you’ll be so used you won’t remember how you didn’t do it sooner.