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Started By
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re: Did You Ever Live Paycheck to Paycheck?
Posted on 1/24/23 at 3:50 pm to SaintlyTiger88
Posted on 1/24/23 at 3:50 pm to SaintlyTiger88
Not until this past year due to various circumstances and the economy
0
Posted on 1/24/23 at 3:52 pm to SaintlyTiger88
Definitely did in college, started to build up some savings in grad school and once I started working my first job I had enough in the bank to get by for 1.5-2 months. Kept building on it from there.
Posted on 1/24/23 at 3:53 pm to SaintlyTiger88
Yes. Back in college, Regions bank went from a free student checking to $5 a month checking without any warning. The monthly charge overdrafted my account so I deposited the next $20 I had which didn’t account for the overdraft fee and overdrafted my account again. So at that point I was out ~$70 after fees and no money. I went to the bank after my next paycheck and all they did was say yep we are sorry. I will never bank with those SOBs again.
Posted on 1/24/23 at 3:53 pm to SaintlyTiger88
I'd say 90+% of America has at one point or another.
Posted on 1/24/23 at 3:57 pm to SaintlyTiger88
Yes, shortly after college bought my condo and a ca rwith 11 miles on it. Would eat $1 banquet meal lunches, a lot of shitty processed foods, dinners would be basically be grilled chicken in a salad, or a quick bag of frozen veggie.
There were times I would write cash advance checks from my cc to float me some money to pay other bills (i.e., would use credit cards to pay credit cards).
Got out of it by continuing to grind knowing I would eventually make enough to get my head above water.
There were times I would write cash advance checks from my cc to float me some money to pay other bills (i.e., would use credit cards to pay credit cards).
Got out of it by continuing to grind knowing I would eventually make enough to get my head above water.
Posted on 1/24/23 at 3:58 pm to SaintlyTiger88
quote:
What was life like for you during that time? How were you able to get out of that cycle?
Experiencing this in college is pretty normal. I lived paycheck to paycheck and life was not really stressful because I didn't have a ton of responsibility. I lived with roommates to help with rent and utilities. I picked up extra shifts and worked my butt off when I needed extra cash. I got out of the cycle by spending frugally, saving everything I could, putting myself through grad school and getting a decent job. I still lived with roommates and made other sacrifices to eventually have a good amount in savings.
Now, asking this question to an adult who potentially has children, I think it is a lot harder to get out of the cycle. You can't just "pick up shifts" when you have childcare to worry about. A lot of people are one disaster away from being homeless, its pretty scary and stressful for them.
Posted on 1/24/23 at 3:59 pm to SaintlyTiger88
Even though I didn’t make a whole lot coming out of college I was still able to pay my bills and save enough money to cover grad school tuition. I also always saved for retirement, regardless of how much I was making at the time. Now, I was definitely living like I was poor (Totinos and ramen, splitting an apartment with 2 friends), but I always saved money.
Posted on 1/24/23 at 4:00 pm to SaintlyTiger88
And then some...wore out credit. Out of it? Pay my debts and stop purchasing wants
Posted on 1/24/23 at 4:00 pm to SaintlyTiger88
Not after college. I had a sugar momma right out of the gate. 
Posted on 1/24/23 at 4:01 pm to SaintlyTiger88
No
Posted on 1/24/23 at 4:01 pm to SaintlyTiger88
quote:
What was life like for you during that time?
Honestly, it wasn't that bad. I didn't really have any responsibility other than showing up to a job that didn't take much effort. Just partied, ate, and drank the time away. Somehow had enough money to go to the beach every summer but then was eating ramen for 2 or 3 weeks after that. I think my rent was around $250 at the time. If I'd have knocked somebody up it would have been a nightmare but it was pretty nice. I was around the age where women didn't mind screwing a broke dude because they were mostly broke as well and figured since I was in school I was gonna be aight sooner or later.
Posted on 1/24/23 at 4:02 pm to Epic Cajun
quote:i wonder how many people here are confusing this with truly living paycheck to paycheck
Even though I didn’t make a whole lot coming out of college I was still able to pay my bills and save enough money to cover grad school tuition. I also always saved for retirement, regardless of how much I was making at the time. Now, I was definitely living like I was poor (Totinos and ramen, splitting an apartment with 2 friends), but I always saved money.
Posted on 1/24/23 at 4:02 pm to SaintlyTiger88
No
Posted on 1/24/23 at 4:04 pm to Pintail
quote:
Yes. Back in college, Regions bank went from a free student checking to $5 a month checking without any warning. The monthly charge overdrafted my account so I deposited the next $20 I had which didn’t account for the overdraft fee and overdrafted my account again. So at that point I was out ~$70 after fees and no money. I went to the bank after my next paycheck and all they did was say yep we are sorry. I will never bank with those SOBs again.
I think it was with capital one. I was checking at an ATM to see if my paycheck had deposited. They charged me an overdraft fee because it was like .99 cents or something to check your balance on a bowling alley ATM. Ended up not being able to drive anywhere that week. It was when gas was about $3.50 a gallon in 2007 or 2008
Posted on 1/24/23 at 4:06 pm to Weekend Warrior79
Was broke and in debt after college.
Worked my arse off, got out of debt, and got married.
Then I made the mistake of taking a dream job in a west coast paradise. Wasn't prepared for the crazy cost of living there. Did not enjoy being broke again.
We soon said "frick this beautiful scenery" and moved back to flyover country.
Worked my arse off, got out of debt, and got married.
Then I made the mistake of taking a dream job in a west coast paradise. Wasn't prepared for the crazy cost of living there. Did not enjoy being broke again.
We soon said "frick this beautiful scenery" and moved back to flyover country.
Posted on 1/24/23 at 5:01 pm to SaintlyTiger88
Yep. Kept hoping for my big break in the TV business, but it never came. A few layoffs did come, and it was tough.
Quit the business for a while, then got back in more on my terms. Got laid off twice more, but had been doing free-lance work on the side.
I'm now a full-time free-lancer, and life is much, much better.
Lesson: don't let any one person/company dictate your future. Always have something to fall back on. Early on, I didn't have that.
Quit the business for a while, then got back in more on my terms. Got laid off twice more, but had been doing free-lance work on the side.
I'm now a full-time free-lancer, and life is much, much better.
Lesson: don't let any one person/company dictate your future. Always have something to fall back on. Early on, I didn't have that.
Posted on 1/24/23 at 5:08 pm to cgrand
quote:It's reassuring to see this. Life is a marathon, not a sprint.
from my teens into my 40's
Posted on 1/24/23 at 5:15 pm to SaintlyTiger88
Yes. When younger
Posted on 1/24/23 at 5:16 pm to SaintlyTiger88
I had to hock my spare Gulfstream to pay my Formula One driver's Christmas bonus.
Posted on 1/24/23 at 5:22 pm to SaintlyTiger88
In 1994-95 I lived on $750 a month. I was in graduate school at the time.
Rent 200 dollars for a terrible one bedroom apartment with a window unit AC in the living room and a radiator heater in the bedroom.
I had a old paid off Nissan Sentra
I lived that way for 18 months and did not go into debt. I ate a ton of chicken thighs and rice.
Looking back I enjoyed it.
Rent 200 dollars for a terrible one bedroom apartment with a window unit AC in the living room and a radiator heater in the bedroom.
I had a old paid off Nissan Sentra
I lived that way for 18 months and did not go into debt. I ate a ton of chicken thighs and rice.
Looking back I enjoyed it.
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