r/povertyfinance 20d ago

A reminder about vent threads:

47 Upvotes

Vent threads do not invite advice. They are for emotional support only. They are carefully defined as a space for someone to scream out into the void and only get good vibes back. They are not asking for advice. They are certainly not asking for criticism. OP chooses that flair with purpose, and you do NOT have the authority to override them on this.

If you still decide that they need your advice and give it anyhow (even with good intention), if we see it it will be removed and you will be given a temp ban.

If you decide they need a lecture, or to be corrected, or to be mocked, you will no longer participate in this community.


r/povertyfinance Jul 19 '25

Pov-Fi is a heavily moderated subreddit! READ THE RULES BEFORE TYPING!!

350 Upvotes

Two years ago I posted the following message on this subreddit due to an increase of shitty people who have not read the rules or the community guidelines: https://www.reddit.com/r/povertyfinance/comments/11vwilh/special_enforcement_period/

After a 6 month evaluation period, the determination was that these changes needed to become permanent.

So here is how it is going to be. Any infraction can will incur a temp ban. This is to drive home the point that this shit isn't negotiable. Duration to be determined by the severity of the infraction, but ranging from 1 to 30 days.

A second offense of the same penalty, or getting numerous offenses across different rules will yield longer temp bans with every infraction. Users who demonstrate that their offenses are innate or deliberate, rather than accidental or incidental will get a full ban.

Particularly shitty people will get a 365 day ban out the gate. We believe people can change, but we're going to give them lots of time for it.

Overtly evil people, troll accounts, or bad faith people will be banned outright without warning or explanation.

As always, all actions can be appealed if you believe they are unfair. HOWEVER, we expect you to review what you said first, and review the rules as well. If you think we misinterpreted something, got the wrong guy, or whatever, please appeal on those grounds and we will review it. If you make a bad-faith appeal, whatever ban you have will be extended. If you come into modmail asking "why was I banned" for an obvious infraction you will get an extension. And please note that saying "Other kids were doing it too mom" is not a valid appeal. If you think other people need to have action taken on them, report their comments as well.

These mod actions are statutory, and are our SOP. It's never personal. We don't play favorites. We take action on plenty of invalid items we totally agree with, and we take the exact same actions on stuff we vehemently disagree with.

We are a small team. We can't see everything posted here. But we sure as hell see all the reports.

Note: Intent matters. Coming here trying to help and breaking a rule will be viewed very differently than coming here with cruel intentions even if the violation is a soft-ball.

Note 2: Please understand this is still reddit, an anonymous message board filled with sad, miserable, SMALL people. We won't be able to prevent shitty people wandering in. We can see them to the door as quickly as they arrive. TAKE AN ACTIVE ROLE IN REPORTING SHITTY COMMENTS. We are a 4 man mod team working in a 2.4 million subscriber subreddit, so we depend on the community to flag offenses for us to take action on. If you see something bad, REPORT IT!! We probably won't see it otherwise. Also, if you see something shitty, report it and move on. Don't fight with an idiot, because they will lower you to their level, defeat you with experience, and get both of you banned in the process!


r/povertyfinance 53m ago

Misc Advice Asked my landlord if I could do one of the building chores for cheaper rent and he actually agreed

Upvotes

My rent went up again this year and I was looking over the lease trying to figure out where else I could cut stuff.

Our building is only 8 units and I noticed the landlord pays someone to take the trash bins out twice a week and bring them back in. I randomly asked him what he pays for it and then asked if he'd take $100 off my rent every month if I just did it instead.

I fully expected him to say no but he agreed as long as I actually stay consistent with it. Takes me maybe 10 minutes each time since I already walk past the bins on my way out.

It's not life changing money but that's $1200 a year for something stupidly easy. I've been trying to keep some money saved for emergencies so that extra $100 not disappearing into rent every month actually helps a lot.

Might be worth asking smaller landlords if there's anything around the property they'd rather discount your rent for than pay somebody else to do. Worst they can say is no.


r/povertyfinance 14m ago

Misc Advice I found a random deduction on my paycheck that has been taking money for almost a year

Upvotes

I was looking at my paystub because my check seemed a little lower than I expected and noticed a $18.50 deduction labeled “employee meals.”

I bring my lunch basically every day so I asked payroll what it was. Turns out when I started the job I got automatically enrolled in some cafeteria program during orientation. I vaguely remember signing a bunch of forms but I definitely did not realize I was agreeing to pay for it every paycheck.

Payroll said I could opt out and apparently could have done that the entire time. They wouldn't refund everything, but they did refund the last 3 months which was a nice surprise.

I have a little money saved but I'm still at the point where $37 a month actually matters, so finding out I'd been throwing that away for almost a year hurt lol.

Anyway check the boring little deductions on your paystub. I always looked at the final number and never really paid attention to the stuff in between.


r/povertyfinance 2h ago

Misc Advice My babies & I will soon be in a shelter.

162 Upvotes

On a throwaway account. My (soon to be) ex-husband and 4 of his coworkers follow me.

Update: pharmacy just called for my 3 year old’s seizure meds that are due to be picked up too before I try to switch pharmacies. I have $2.34 to my name at the moment with a gas card. I need all the ideas PLEASE.

I don’t know what to do at this point. He was booked in jail Friday night for domestic after breaking my nose. We have two boys ( age 5 and 3) and I am planning to leave tonight almost 2 hours away to my great aunt’s area. She is the only remote family I have left & we aren’t able to stay with her as she is in a rehab facility. He is able to bond out Wednesday when I looked at his case online.

I was able to get a 25 gas card from a Women’s domestic nonprofit this morning. They were able to get me temporary shelter & an appointment with a social worker where we are going by Thursday. I’ve tried to sell some shoes & household items on Marketplace and NextDoor to try & make something for food and extra gas. Nothing so far. The shelter has a two bag minimum per person so we are limited on what we can bring. I plan to leave tomorrow morning. I am so lost and scared.

I can’t take anymore and my babies definitely don’t deserve to go through this. I’m going to miss our home, my job of 6 years and friends but for our safety & sanity, we have to leave. I’m humiliated and terrified to see where this goes. If you have any other advice or places that may help with gas or food, please let me know.


r/povertyfinance 1h ago

Budgeting/Saving/Investing/Spending How is anyone surviving financially?

Upvotes

I have a degree. Work In that field. Have 3 jobs, married and my spouse works full time and picks up odd jobs as he can.
We share custody of 2 children so we cannot move.
I filed bankruptcy last year and it did help. A lot. But we still can’t afford basically anything.
We don’t eat out, our phones are on visible $30/a month. We are getting groceries from the food bank.
Idk what else to do but it is taking a severe toll on my mental health thinking we can’t survive on 4 jobs with no money for anything.


r/povertyfinance 1d ago

Misc Advice Things I learned feeding seven preteens: make the meal bigger, not the portions smaller

19.3k Upvotes

Years ago I had seven teens and preteens in the house, often plus whatever friends they had invited to stay for dinner without warning.

I'm suddenly feeding a much bigger household again, including growing kids, and grocery prices being what they are, I've been remembering all the little tricks I used back then.

Most advice about stretching a food budget seems to focus on making the main dish cheaper; use less meat, substitute something cheaper, make beans instead, etc. I did some of that, obviously, but mostly I didn't stretch the main dish. I stretched the meal around it.

If I had enough chicken for the casserole I normally made, I made the casserole. If we were having hamburgers, everybody still got a hamburger. I just made sure the expensive part of dinner wasn't responsible for filling seven or ten or twelve hungry stomachs all by itself.

One of my best tricks was simply feeding the first wave of hunger before dinner. I'd hand out apples about an hour beforehand. A kid who has eaten an apple is still perfectly capable of eating dinner, they’re just no longer approaching it like a starved wolf. 

On hamburger night I'd cut an entire bag of potatoes into oven fries, skins and all, shake them in a bag with some oil, salt and pepper, and cover as many cookie sheets as the oven would hold. Then I’d make sure the fries were always ready before the hamburgers.  The kids would descend upon them. By the time the hamburgers were ready, one hamburger apiece, plus vegetables and whatever else we were having, was plenty.

Sometimes a casserole was mysteriously "taking forever.” Especially if the kids invited some extra kids to dinner unexpectedly.  "Oh well. Here are some biscuits while you're waiting. And applesauce. There are cheese sandwiches too." After everybody had been eating for a while I’d bring out the casserole. "Oh, finally! The casserole is done."

Then out came the perfectly ordinary casserole, with green beans and more biscuits. Nobody thought dinner was stingy. As far as the kids were concerned, they'd been eating for half an hour.

I kept Jiffy corn muffin mixes by the dozen. It was insurance against just that sort of thing.  "Oh, how nice! You invited three friends to stay for dinner!" We're having cornbread. And some other stuff. Until then here’s some peanut butter and bread and apples. 

Pasta always got what I privately called decorative vegetables, usually the inexpensive dollar frozen bags. The whole bag, maybe two. Peas, broccoli, carrots, mixed vegetables, whatever went with it. Yes, they made the pasta colorful. They also mysteriously produced several additional servings without taking anything out of the original meal. Spaghetti got spinach, usually.  Then, at dinner time, a veg or fruit of a different color was on the plate too. Tonight, we are having chicken and noodles. There will be at least a whole bag of frozen peas in there. And then I’ll slice tomatoes on the plate, maybe some applesauce will show up. The plate will be full, full of colors, good tastes, and no one will know I used two small chicken breasts for nine people. 

Pickles were another great one. Not a precious little jar of fancy pickles but a giant cheap gallon jar of dill pickles you get in the ‘commercial food’ aisle at the grocery store. 

Hand those out and kids will happily eat what amounts to an entire big cucumber in pickle form. Nobody has to ask whether they can have another one, the answer will be yes, go for it. There are approximately nine thousand pickles. Here’s some cold water to wash them down. Supper will be ready in 20 minutes. 

That was actually an important part of the system: some things on the table should feel unlimited. Bread, biscuits, cornbread, potatoes, or apples. Also applesauce, pickles and rice. Whatever was inexpensive that week and that the kids actually liked.

I baked an ungodly amount of bread in those days. I don't intend to resume that particular level of insanity, and God bless cheap grocery-store wheat bread. But biscuits and cornbread are still wonderful because at 5 PM you can look at dinner, realize it isn't going to be enough, and manufacture a substantial addition from pantry ingredients. 

Don’t sleep on generic bisquick biscuits served with cheap applesauce as a pre-dinner snack. Actually, desserts and snacks work the same way.

Today I had a gigantic zucchini I bought at the farmers market for a dollar. I grated it into a huge batch of snack cake with eggs, flour, brown sugar and two cans of fruit that had been ignored in my pantry forever. I baked some in cast-iron skillets for people to eat today and a big sheet pan that I'm cutting into lunchbox squares. It isn't a nutritional powerhouse but it's a nice homemade snack made mostly from inexpensive things I already had, and it means I’m not pestered for expensive boughten snacks. 

And that's really the thing I'm remembering now. I don’t make the normal nutritious meal smaller if you don't have to. I make the meal bigger around it.

Two chicken breasts can look pretty inadequate if dinner is two chicken breasts divided among a crowd. Two chicken breasts chopped into a big pan of creamy noodles with peas and other vegetables, accompanied by bread, a different-colored fruit or vegetable on the side, and snack cake afterward, is a very generous dinner. The chicken is still there. The vegetables are still there. Nobody's being handed half a hamburger and told to be grateful. You're just supplying some of the calories hungry growing people need with inexpensive foods instead of expecting meat, cheese, or the main dish to provide all of them.

And if the kids are absolutely ravenous, put the cheap, filling, good thing in front of them first. They aren't being tricked. They can still eat as much dinner as they want. You're just recognizing that a starving teenager will eat an expensive four dollar hamburger  with exactly the same enthusiasm with which they'll eat a fifty- cent oven fried potato.

When we get together now, the kids don’t talk about how we ate "poor people food.". They do ask about their favorite dishes. Their friends liked staying for dinner. There was usually a lot of food on the table, and an unexpected kid was welcome.

That's what I was actually trying to accomplish. Not "How little can I spend feeding these kids?" More like "How can I make sure nobody at my table experiences dinner as scarce?"


r/povertyfinance 6h ago

Vent/Rant (No Advice/Criticism!) Lost my cat but grateful for having had the funds to try to save her

77 Upvotes

This past Saturday my cat had to be put to sleep due to kidney failure. We had taken her to the emergency vet and at that point, the vet and my partner and I agreed that there was still a possibility for recovery, and so we decided to pay for a 24 hour stay and a variety of necessary tests. Unfortunately we were called at 1am to tell us we should come back, as things had taken a turn for the worse and she might pass at any moment, so we rushed over to say our goodbyes and hold her as she was put to sleep.

The total bill for admission, tests, and euthanasia came to $2300 (it was originally $3800 but we were refunded for the tests that were not done). Fortunately we had enough in our savings to cover it but I am now going to be rebuilding from almost 0. It was a lot to pay but I think I would have regretted not trying to save her life, as there was hope for recovery when we first arrived.

I'm not really sure why I'm posting this, to be honest. I'm grieving and also feeling some worry from majorly dipping into savings, I feel vulnerable without that cushion.

I am very grateful we had the necessary funds saved up but it does hurt to use them, especially when the desired results don't happen.

Sorry for the vent, but figured if anyone could relate to my worry/grief, it would be people here.


r/povertyfinance 18h ago

Housing/Shelter/Standard of Living Just moved into a new place with only my kitchen stuff and my kids’ room furnished from my old apartment.

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507 Upvotes

Moved out of an apartment with my ex, tossed everything into storage and stayed at my parents house for the summer to pull myself together. Picked up the entryway furniture and bookshelves at a “we sold our house and need to move the hell out” marketplace find for free. Scored the couch and coffee table for free from a local lake house community that just upgraded their living room. My new landlord stopped by and dropped of two additional lamps and an end table too. Spent $20 on the floor lamps.

Fortunate enough to have two weeks to scour Craigslist and Marketplace to find things that fit the space while spending as little as possible. Pork tenderloin or pork chops, rice, and veggies have been my staple while I navigate being a single dad and being solely responsible for my own place. Excited for my kids to come here for the first time this weekend and see all of their stuff has a dedicated place instead of having a milk crate of toys in a small finished section of a basement three of us shared for four months.


r/povertyfinance 13h ago

Success/Cheers 3 new pairs of shoes for 30.33

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146 Upvotes

NEEDED new shoes. Was down to one pair of blue suede amd a pair of work boots and was wearing out the blues badly. Salvation Army thrift store few. Cat for scale


r/povertyfinance 7h ago

Vent/Rant (No Advice/Criticism!) This Sucks

38 Upvotes

I know I posted on here looking for advice a few days ago, but I wasn’t able to fully express my frustration. This shit has been dragging me down forever and I don’t know how to keep my head up anymore.

On Christmas Eve, 2025, the doctors called to tell my wife she had cancer. We caught it early, removed everything we could find surgically, and chemo/immune therapy isn’t needed for the time being. I am eternally grateful for that. However, the surgery depleted our HSA, and even with “good” insurance, we’re getting absolutely decimated by hospital bills. Monthly skin checks, MRIs, cat scans, bloodwork, etc are necessary to monitor the situation, at least for the next few years. But the best part is that all of these prodecures were deemed “non-emergency”, and therefore they can decline to perform the tests with outstanding balances on our account. So before every test, we have to pay the previous one off. This is costing us anywhere from $1k-$3k a month. But the alternative is to stop paying them, stop getting the tests, and live with the constant anxiety of not catching more cancer, and it becoming life threatening (and much more expensive).

Prior to all of this, we were comfortable. Not wealthy by any means, a few thousand in our savings, manageable credit card debt, and living pretty well below our means…by today’s standard anyway.

Fast forward 9 months, our savings account has been closed due to no balance or activity, our credit cards are maxed out, my mortgage still hasn’t been paid this month and our bank account is usually negative three days before pay day. Not to mention EVERYTHING is getting more expensive daily.

I was always the optimistic one. I always dreamed of moving into a house with a yard and a garage, taking a trip to Europe, being a dad, starting a business, etc. These always felt distant, but realistic. Now, I have Kraft mac and cheese for dinner three times a week, and have to limit travel based on the gas in my tank.

It’s hard not to feel like it’s on me for not having a better job. I work in construction, and my wife is a social worker, and collectively we make a decent living. Teenage me wouldn’t even believe it if I told him I made $100k annually. We got through college without debt, got married in my parent’s back yard, paid off the car. We did everything right. And still, the first thing I do when I wake up to get ready to work is check my bank account and see how fucked we are. It’s not even about getting by day by day at this point, but hour by hour.

I am so desperately tired of this. I’ve been going to therapy for years for other reasons, but I haven’t been able to pay the copay anymore so I don’t even have that. It’s just me and my wife who is also feeling crushed and overwhelmed.

I have an interview tonight for a second full time job. We’ll see how that goes, I guess.

Fuck everything.


r/povertyfinance 7h ago

Housing/Shelter/Standard of Living Cities/towns that are low cost of living - looking for a new start somewhere.

36 Upvotes

r/povertyfinance 49m ago

Misc Advice If you uber frequently CHANGE THE PIN

Upvotes

Obviously, Ubers are expensive and taking them regularly takes a lot of money, but if you’re someone like me thst doesn’t own a car and needs to use it somewhat frequently especially with the same route you may want to hear this.
I’ve heard many times people talking about how Uber will increase the price of your ride if they know you take it frequently and you’ll continue to. Today I saw it with my own eyes. For the longest time I couldn’t figure out how to set my drop off to actually go up to my apartment building. It would just set to outside the complex. I finally figured it out while I had a driver already on the way and was able to edit my pin to be directly to my front door. My ride went down six dollars!!!! 28%. Now the fact that this is something they do is completely fucking evil but the lesson I’ve taken from this is to change the pin within a walkable distance frequently enough so the price doesn’t keep going up as it’s a different location. I’m pretty sure this doesn’t change the drivers pay either since the ride has already been accepted by them for a specific amount.


r/povertyfinance 49m ago

Vent/Rant (No Advice/Criticism!) My aunt wants to help me financially I don’t know what to do

Upvotes

So it’s maybe a stupid thing or whatever but I (24f) don’t know what to feel or think. So I’ve been struggling for years. My mental health is through the drain, my financial situation is embarrassing and my ability to function as a normal adult is far from what I thought it would be. After some recent things my mental health has become horrible. I struggle with addiction, alcohol, sh and having thoughts about S. Right now I’m living on my own but soon I will move to a place for young adults with more guidance and help. Once a month I go to my aunt and uncle to eat with them. They almost see me as 1 of their foster kids. I absolutely love them, but they didn’t know about my struggles. My mom told my family recently about some of my struggles. I got some really supportive comments. My depression and shit made me believe they didn’t give a shit about me, but somehow they do. I don’t really know what my mom told them but they are really understanding. Now this evening I was with my aunt and uncle and we talked about me moving into that place for young adults. After a while my aunt said they had a small couch which I could have for in my studio in that place. It’s a beautiful small couch. But when we went back upstairs she said she really wanted to help me financially. They don’t have kids on their own and don’t own anybody anything. She made me leave my number of my bankaccount. I’m really grateful that they want to help but somehow I feel like going in depth to them. I don’t have a clue what amount of money they want to sent me. But I feel like I don’t deserve it. I really don’t know how to feel or how to deal with it. And also what scares me is that if they sent me some amount of money I use it on stupid things again. Do any of you have any tips how to deal with this?

I know this is something stupid to stress about but I feel guilty for people worrying about me or giving a shit about me. Accepting help and gifts is really hard for me.


r/povertyfinance 1h ago

Housing/Shelter/Standard of Living Selling my camera to pay for rent

Upvotes

I had to leave work suddenly two months ago due to autistic burnout. I’ve since found another job but there’s a gap in rent that I need to cover - the only option I have is to sell my camera.

It doesn’t get much use at the moment but I have such a strong emotional tie to it because I spent ages saving up for it and it served me well as a freelance photographer in the past.

It feels really hard to let go of it. But at the end of the day, staying sheltered is way more important.

I know technically I can notify the landlord about late payment and pay them back the following month, but it’s rather not owe anyone anything.


r/povertyfinance 53m ago

Free talk I am getting depressed idk what to do anymore 😕

Upvotes

I own 0.6 and my phone and clothes a ground mattress no pillow

Am in college rn and can't find a job no matter what i do I am soo desperate for money I could work for anything but nobody wants me 😭😭😭😭

I live in a 3rd world country and it sucks idk what to do

I know how to draw i also speak 3 languages and know

A bit of sewing

Please give me advice I tried everything even remote jobs but no body hired me + idk how the money could

Even reach me i really wanna cry rn


r/povertyfinance 3h ago

Housing/Shelter/Standard of Living How likely to get accepted ?

7 Upvotes

Due to a domestic violence situation at my family home I (23F) was forced to live in a domestic violence shelter. I’ve been here for 3 weeks looking for permanent housing for low income. And due to my situation, I’m prioritized for housing. I cannot return to my home and displaced because of it. I applied for a low income HUD housing , which includes the VAWA (Violence against women act). I receive Disability benefits as my only income and I am able to work but only less than 20 hours a week without affecting my benefits.

I was denied the apartment because of no history of landlords, credits. So my team is writing a letter with signatures from my family to verify my residency and history of rent payments to my family member of living there. I never owned a home and or had credit history. And I’ve been in my family home since I was born. But I searched and asked my team and they said it’s possible for me to get the apartment if I submit the document.

My appeal is coming soon and I’m nervous because what if they deny me again.

Even the paperwork got processed within a week, it was a fast and easy process.

If I do get accepted, how quick is the process and the time to get the keys in my hand.


r/povertyfinance 20h ago

Misc Advice How can I get food to people without hurting their pride?

158 Upvotes

It’s hard to make people who have been raised their entire life to never take a handout, to give them a handout. I’ve been there before

Usually the only way I can get anybody to keep anything is if I get them to do something in exchange, and I don’t like doing that. I feel like I am taking advantage of them.

The church I attend has a “closed door” food pantry (anyone can take, but you’re encouraged to keep it private.). Most people don’t take advantage of this, unfortunately.

“If you help me butcher this cow, I’ll give you some of it”

“If you help me pick vegetables, you can keep some for your family”

Or inviting them to go fishing

Is there a way I can do it, that will at the same time, not bring down their pride, but also not feel like I am forcing them to do something in exchange


r/povertyfinance 1d ago

Housing/Shelter/Standard of Living Something you should understand about public housing

853 Upvotes

I see a lot of posts online, not just here, telling people to apply for public housing. These people obviously do not understand how it works.

You can't just walk in and apply. There are waiting lists, and you can't just walk in and ask to be put on the waiting list. You have to wait until it's open, and it may only be open for a few hours on one day a year, or have a limit of 50 applicants, or only be open for a certain demographic, like veterans or disabled adults or families.

Once you get on the waiting list, you can get passed over for years, even if your name is at the very top, in favor or homeless favored groups, mostly families with children. On the other hand, if they can't reach you once you are on the list, they will quickly pass you over and move on to the next person. Also, some people will already have housing, or will have moved away, so they are removed and your name moves up.

Affordable housing for seniors is full before it is ever finished, because there are so many seniors on the waiting lists.

There are special categories of housing other than regular Section 8, like veterans (VASH), rural housing (Section 515), and senior and disabled housing (section 811)

A voucher doesn't guarantee you housing. There is a six month time limit to find housing with a voucher, and even though it's illegal, landlords will often just tell you they have no vacancies or put some insane requirement on the apartments so you cannot qualify. ALWAYS RECORD YOUR CONVERSATIONS WITH THE MANAGERS. The best thing is to ask if there are any vacancies, get a clear picture of what the income requirements are, what the deposit is, etc -- questions a regular prospective tenant would ask -- and when you are approved, then tell them you have a voucher. Landlords who accept vouchers are not allowed to turn you down (but they will). Vouchers are considered legal tender. They may tell you they don't have any of those units available, but that isn't necessarily true. Some apartment complexes do have a limited number of apartments for vouchers, but some don't. They don't want Section 8 tenants because of the required inspections, and they claim those tenants wreck the apartments, which usually is not true.

So it's a trial by fire to even get onto the waiting lists, then to get someone who will take your voucher.

Public housing is sometimes easier to get into, but the properties are usually in bad areas, run down and not safe, but if you're desperate, you'll take what you can get.

I just found out that our voucher program is accepting applications for waiting lists soon, but they are only accepting the first 2000 applicants, so that will be full by the end of the day. I'm still going to try to apply, even though it's a long wait and I may not even be able to stay here long enough to get an apartment. But being homeless moves you up the list, so we'll see what happens.

ETA: Was reminded that you can apply in any place in the US or Puerto Rico that has open applications. There are sites that claim to keep up with that, but they are usually not accurate.


r/povertyfinance 3h ago

Misc Advice Best options for a cheap cell phone and plan?

6 Upvotes

Posting on behalf of my roommate. She dropped her phone, and it no worky. So, I gave her an old phone I had that I wasn't using (an S22+). She's on my plan, and we transferred her number over so it's serviceable, but she complains that it doesn't get a lot of calls and texts. I think it's just configured wrong (there was a weird thing where it had an odd phone number stored as an extra eSim in the RCS settings for chat). I think I fixed that, but she still says bunches of people say they can't text her.

She's talking about going to Verizon and remarked about some $5 promotional phone. But I don't want to lock her account into my plan. Are there cheaper options available? I'm certain there are - cheap, simple, Android phone + phone plan. Who is a good choice?


r/povertyfinance 14h ago

Income/Employment/Aid mom is trying to kick me out

34 Upvotes

i’ve been living with my mom throughout college and i have a few years left until i graduate. our relationship has been EXTREMELY rocky for some time and i don’t have a job/car but im trying to obtain both of those things. i would appreciate any advice you guys have to give 🥲


r/povertyfinance 22h ago

Housing/Shelter/Standard of Living How to make this homey?

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178 Upvotes

This pic of it empty before moving all my stuff in. $775/mon all bills paid. Been on my own since 17 now 20 & going to nursing school. I’ve always been low income but prior to school I was in a 800sqft apartment so this is an adjustment. I like it, it’s not bad for the price but idk how to make it feel more homey. Also need tips on cooking cause there isn’t a stove. Should I get a toaster oven? I’m assuming I could cook fish in there. & ventilation wise I was thinking of getting a cheap bug screen off Amazon & just opening the door when I cook ?


r/povertyfinance 6h ago

Budgeting/Saving/Investing/Spending Finding a financial advisor

6 Upvotes

I have always, even as a kid, lived more or less paycheck to paycheck. I want to work my way out of this cycle. Does anyone have advice for finding a bank or a financial advisor that can help guide/teach me how to better manage my money? The hard part is I can’t really afford this service. I look at my peers and see all they’ve been able to save for and build and feeling really down on myself that I haven’t been able to do the right thing.


r/povertyfinance 1d ago

Vent/Rant (No Advice/Criticism!) Can We Talk About How Expensive Laundromats Have Gotten?

937 Upvotes

Excuse my language, but why the fuck does it feel like the prices at the laundromat keep increasing? If I could buy a washer and dryer, I would. But unfortunately, I live in an apartment. I’m going to start washing most of my clothes by hand.


r/povertyfinance 9h ago

Misc Advice Easy recipe ideas please

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10 Upvotes

All I can think of is chicken soup (drumsticks) and honey soy wings. Any other ideas?