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Living on Less Than You Earn - Page 2

Well, it really is tough for the elderly and truly poor, but most of them have no choice but to live on less than or at least on just what they earn. Most places don't give you credit unless they think you can afford to make payments. Many elderly and poor live in subsidized housing and have insurance through the welfare system. It is the working poor, who don't really make enough to live on, but don't qualify for subsidized housing or medical who are the worse off, in my opinion. Still if at all possible, it is best to pay as you go and only buy what you need. Save the extra for little luxuries.

I have managed to stay credit card debt free, but I don't exactly have any extra saved. That will be the next step.

Earn Than on Living

That's great Tena, taking in consideration how millions of American go in crazy debts with their credit card every year. Personally, I don't have any debts either but cannot afford to have much extra savings, in my case also, will be the next step. Right now, I would like to get a car and the only reason we did not get one as yet is because we want to buy it cash and not put ourselves in debt.

Living on Less Than You Earn History & Civil Business Politics

Well, I must admit that I have a car payment. I can't imagine I will ever be able to buy one and pay cash up front for it. I don't have a motorcycle payment though. That is a toy and so I paid for it up front.

Page 2 Earn Than on Living

Social Security and Medicare. A lot of elderly in this country, that is all they have, and there is a big percentage who live in abject poverty. Sad, but true.

Earn Than on Living

That's why I suppose some Americans are so against helping other nations when their citizens are facing so many difficulties, I understand and I agree with them. It is very sad to see an elderly person who have worked honestly all their life living on the edge of poverty.

Living on Less Than You Earn

That is how I feel in general. I understand that there is much worse poverty around the world than what I will ever see personally, but it seems to me I should take care of my own family (country) before helping someone elses. I don't mean to not offer any help until I am 100% where I want to be, but I do have a responsibility to be sure my own family members aren't starving before I give food to someone else. A little hunger I can live with and still share, but starving to death isn't acceptable. There is a sense in the rest of the world that the US is so rich. Well by their standards we are. However, many in this country go to bed hungry every day or die of diseases that could have been treated if they had enough money for proper medical care.

Living on Than Earn - Page 2

Yes, I read about it Tena and I do agree with you about taking care of your own citizens first, this is common sense.

I'm talking about an old car, not a new one, I cannot even think about paying cash up front for a new or modern car.

Living on Than Earn Politics Business Civil & History - Page 2

That's what I'm looking at right now. My transmission is slipping in my current 14 year old car, and there are several other mechanical problems that need attention. So, I need to get into another car, but I refuse to pay those huge payments. I'll find a decent used car, maybe 3-5 years old. I'll still have to make payments, and my insurance will go up, but it will be less than a brand new car by far.

My big hold up is that I'm afraid to make a committment to that kind of a payment every month. I've done a lot of calculations, and *on paper* it looks like I'll be okay and can still meet my other obligations. It's just scary to make that leap -- what if something happens to my job, or my health, or my daughter's health? etc etc Scary.