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Message
re: Who here has been totally broke?
Posted on 4/28/25 at 2:36 am to el Gaucho
Posted on 4/28/25 at 2:36 am to el Gaucho
quote:
One time I left my card at bogies and didn’t have cash and it was Sunday
Can't tell you how many times I left my card at Bogie's on a Saturday, and it was closed Sunday, and I had no way to eat because I didn't carry cash and couldn't go to Capital One on Sunday's.
1
Posted on 4/28/25 at 5:14 am to Lowdermilk
He shite under the bridge
Posted on 4/28/25 at 5:21 am to HattiesburgTiger5439
I was poor poor when I was with my deadbeat first husband. Worked 2 jobs and went to school and one of my jobs was a food place so at least I didn’t starve. This is also back in the early 2000’s when ramen was .11.
Posted on 4/28/25 at 5:52 am to Lowdermilk
Closest i came was after divorce. Had to sell SUV and get a compact car. Had to call credit card company and pretend i had a vacation coming up to ask them to up my limit but really needed groceries. Cashed out retirement and took a penalty. Had to sell off some items from my childhood with sentimental value. Stayed with family a few months. Things were tight after that for about 8 years. I guess that’s mild compared to most.
This post was edited on 4/28/25 at 5:52 am
Posted on 4/28/25 at 6:07 am to Lowdermilk
For the first 3 months when I was stationed in Germany. Homesick, using calling cards to call back home. I remember having $17 to last me a week. I didn't have any expenses back then except groceries. I wrote hot checks a few days before I got paid to load up on food. My check had to come all the way back to Texas to clear.
Posted on 4/28/25 at 6:47 am to Saunson69
quote:
What's this like? Do you care? Feel any responsibility? Feel any relation at all like an actual father to him?
Frustrating for his mother and me. He had so much potential, pissed away excellent job opportunities, has alienated most of the people in his life that have tried to help. His only "friends" are also users and he refuses to distance himself from them.
Personally, I feel absolutely no responsibility for his situation. My take is this: The life he's chosen is not the life his mother and I were envisioning for him.
You can do all you can to raise them right, give them what they need to succeed in life, give them the best advice you can, but you can't stop them from making stupid decisions once they are adults and out on their own.
I'm more of a father to him than his biological dad and anyone who knows our family will say the same, but there's nothing you can do to help someone if they don't want help--------and by help I mean getting clean because he'll take ALL the financial help he can get from us in a heartbeat-----and that ain't happening.
I'm 72, his mother is 66 and it's up to him to make his way in life at age 40, not relying on the proverbial "Parental Tit" so he can live his life as a junkie.
It can only end in one of the 3 ways I described in my first post because I see no way he'll ever get clean and totally off drugs.
Posted on 4/28/25 at 7:18 am to Lowdermilk
When I was young and fresh out of college with my first real job thinking I had more money than I did spending more than I should have on things I didn't need. A few times a check I forgot about hit a few weeks after writing it the balance would hit negative and I would be without cash for a few days until payday. Then I would lean on the credit card for a few days until after a few years of that had a big credit card balance that took a while to pay off on my 30's.
In college when I managed my finances with cash and didn't use credit cards I probably felt more broke. I got down to a few dollars and change a couple of times not being able to go out with friends cause I couldn't afford to but at least I wasn't in debt.
In college when I managed my finances with cash and didn't use credit cards I probably felt more broke. I got down to a few dollars and change a couple of times not being able to go out with friends cause I couldn't afford to but at least I wasn't in debt.
This post was edited on 4/28/25 at 7:21 am
Posted on 4/28/25 at 7:35 am to GreatLakesTiger24
quote:
Ive never had less than a few thousand dollars to my name
Wrong thread, bud
Posted on 4/28/25 at 7:38 am to Cregg
quote:
Was homeless for 4 months. Nuked every bridge imaginable.
Same
Posted on 4/28/25 at 7:38 am to soccerfüt
quote:
Now would you say that you are Nguyen-ing?
Ha. I have a friend last named Nguyen. I told him when he got married that he was now in a Nguyen-Nguyen situation.
Posted on 4/28/25 at 7:41 am to Lowdermilk
At one time back in the day, I had $1.26 left in my checking account, until payday. There was a series of unfortunate events that led up…..or down…..to that. 
Posted on 4/28/25 at 7:45 am to Lowdermilk
quote:
Who here has been totally broke?
Yes, negative checking account balance due to NSF fees that were aligned just right for maximum damage.
Posted on 4/28/25 at 7:47 am to Lowdermilk
Once when I was in the Army in the 90s, I got a no pay due. This is when the military somehow fricks up your pay and then decides not to pay you to recoup an amount they are owed. So I got no pay for a month. At the same time I owed $600 on taxes which is everything I had saved at the time. I had to go get a Military Star card and donate plasma as often as I could in a month to get by.
Posted on 4/28/25 at 8:08 am to Lowdermilk
I broke both legs and my left shoulder in an industrial accident when I was 22 years old and was in a wheelchair for nearly 5 months. Had it not been for family I would have been completely broke. Workers comp paid about 1/5th of what a 40 hour check at the time paid.
I was told initially I would not work for 2 years. I was out of the wheelchair in 5 months after 3 surgeries and after 6 and a half months I begged the doctor to release me to go back to work. He did conditionally and I went to a job physical with a walker which I hid in the bushes outside the clinic, went in and passed the physical, came out, grabbed the walker, and never used it again. About a year after the accident we settled for what was about 75% of the money I would have earned during the period minus the pain and suffering and the life long limp and back problems directly attributable to this accident. Was "lucky" to settle for any amount....in Georgia workers comp laws are so corporate friendly they will almost always wait until the injured person gives up or dies....
Was almost in as bad a financial position toward the end of Daddy Bush's term and the war on the middle class was at its height....until Al Gore and Bill Clinton turned the spigot on at TVA....
I was told initially I would not work for 2 years. I was out of the wheelchair in 5 months after 3 surgeries and after 6 and a half months I begged the doctor to release me to go back to work. He did conditionally and I went to a job physical with a walker which I hid in the bushes outside the clinic, went in and passed the physical, came out, grabbed the walker, and never used it again. About a year after the accident we settled for what was about 75% of the money I would have earned during the period minus the pain and suffering and the life long limp and back problems directly attributable to this accident. Was "lucky" to settle for any amount....in Georgia workers comp laws are so corporate friendly they will almost always wait until the injured person gives up or dies....
Was almost in as bad a financial position toward the end of Daddy Bush's term and the war on the middle class was at its height....until Al Gore and Bill Clinton turned the spigot on at TVA....
Posted on 4/28/25 at 8:20 am to bad93ex
quote:I used to budget for NSF fees LOL. Being broke is no fricking fun. Credit card roulette, overdraft fees, cash advances at 25% interest, digging thru the car for change to get gas, suspended license, no insurance, avoiding the repo man…you do what you have to do. Fortunately south LA is a good place to live when you are flat busted. Not my finest moment but I clawed my way out
due to NSF fees
Posted on 4/28/25 at 8:37 am to cgrand
quote:
I used to budget for NSF fees LOL.
The worst part is that the fees would be triggered by a check written for like $4 but the NSF fee was $25-29. Eventually you figure out that you should just write a check for the extra $20 and pocket the cash.
Posted on 4/28/25 at 8:42 am to Lowdermilk
quote:
what does this mean?
I’m glad you asked because I was wondering why he would destroy the only shelter he had
Posted on 4/28/25 at 9:08 am to Lowdermilk
During one week in my life, I had (after filling up the car with gas) enough money to buy HEB Grocery's cheapest hot dogs, lard (to cook them) and hot dog buns. I had a stash of mustard and relish.
I didn't eat hot dogs after that for a long time.
I didn't eat hot dogs after that for a long time.
Posted on 4/28/25 at 9:11 am to Lowdermilk
i lived with and took care of my grandmother most of college so i always had a roof over my head, but i paid for all my own school as i went and every January and August, I emptied my bank account and had to hope to make it to next paycheck. lots of $5 gas fillups.
skipped a lot of meals most of college and took every extra hour of work i could.
my now wife paid for way more meals than she should have at the time. i don't even really know how i dated at the time.
skipped a lot of meals most of college and took every extra hour of work i could.
my now wife paid for way more meals than she should have at the time. i don't even really know how i dated at the time.
Posted on 4/28/25 at 9:12 am to RedDirtPoke
quote:
Then I found some easy money on Craigslist doing some manual labor and got some quick cash
“Manual labor”
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