Do you think I am wrong?

I don't think its a luxury. However, I think anything more than a pay as you go plan that you don't use except for necessities is a luxury.

But I'm a little aghast at the thought that teachers would text their students to give them information. Receiving texts costs money, and teachers should be aware that not all students have cells, can afford cells, or can afford to get texts on the cells they have.

A pay as you go plan will not work in all situations. It would for dd, but not for dh at all--we would end up paying more; much much more. My phone replaces our land line as our "home phone", so pay as you go would not work out too well for that either. BUT, if we were in a near homeless situation; we would certainly consider a pay as you go plan for my phone and getting rid of dd's.

Sending a text to a group is much easier and time efficient than calling. E-mail isn't always checked soon enough. Many of our program instructors (community college--technical programs) text their students while the students are in clinical to let the student know things they need to do or take care of; gets the message to the student without interrupting them during "work" time. Same theory with high school teachers, they can send messages during a time the students may be at practice or after school job instead of having to call and call until they talk to someone.

Receiving text only costs money if that is the type of plan you have. DD and all her friends have unlimited texts on their plan and it is much cheaper than paying per text. With our company, even before I added text to my phone I was able to receive texts for free; only sending them would cost money.
 
Shopping around between companies if there is competition in your area can help also. As just mentioned above, there are companies that provide free incoming text (USCellular), and probably others. USCC also provides free incoming & uscc/uscc minutes on most plans - so it's easier to scale down your minutes. We have a 1000 minute plan & with 5 of us (including a 17 year old & my mom who talks non-stop) we don't use all of those.

If we were in this situation, we definitely would not have 2 BB's on our plan with monthly service fees. We would not have unlimited texting. We would not have as many satellite channels as we do now. We also would have the heat set at 65 like we did when we were first married & making minimum wage ($3.25/hr at that time!). However, we have the income to pay for this and we make our choices.

I can certainly see at least requesting they get a cheaper plan - obviously original poster has already checked & that is viable with no penalty (as mentioned several pages ago). If they can't provide a basis for the more expensive plan, it should be scaled down.
 
This is the thing..yes, there are lots of irresponsible people. But many of us don't realize(or are in denial) that many Americans are a few paychecks away from being homeless/in severe financial trouble...Look at the dependence on credit that goes on..in the cafeteria at the hospital, the vast majority of people whip out the credit card to pay for everything-if you use mostly cash(which I do..old fashioned that way) you get looked at like you have 3 heads.

It's easy to shake our heads at the obviously poor but we have to realize that most of this country is on thin ice.I'm very grateful that I'm in a field where there are still jobs..but I know many smart, educated, hard working people that have lost jobs and are really struggling to find a decent job..I can see why people seem to give up after a point.

I may be mis-interpreting what you wrote, but it sounds like you are saying that the fact that most people are living this way somehow makes it ok.

"yes, there are many irresponsible people, but...many Americans are a few paychecks away..." Unless there have been extenuating circumstances like a job loss, medical situation, etc, it IS irresponsible to be living paycheck to paycheck unless there are absolutely NO extras in your life. Too many people think being able to make the payments with nothing left over is perfectly acceptable budgeting.

BUT people are never going to reach agreement on this. I remember one thread a couple of years ago where people were arguing that it was perfectly acceptable for people on welfare to go on trips to Disneyworld.

And just because someone is going to say that I don't know what it's like...yes, I grew up on welfare, yes, at least part of it was because my parents were terrible money managers, and no, I never got to go to Disneyworld.
 
Most colleges are now using cell phones as primary communications. when the both blizzards hit the East coast both of my children (1 college and 1 h.s.) were told of school closings via texts. My sons football coach communicates almost 100% of the time via text.

College is a different kettle of fish entirely. If a cell phone is part of the expense of college, college is expensive. For that matter, private schools could make cell phones a requirement. But public schools shouldn't push costs onto families - especially for mandatory activities. Football, once again, the fees for football are high (at least around here), if the coach wants to make cell phone a mandatory thing, that's his business. But no child should NEED a cell phone to get a public high school education.
 

Receiving text only costs money if that is the type of plan you have. DD and all her friends have unlimited texts on their plan and it is much cheaper than paying per text. With our company, even before I added text to my phone I was able to receive texts for free; only sending them would cost money.

That's because they are getting a lot of texts.

I've been carrying a cell phone for twenty years for work (my first cell phone was too big to fit in my purse!) - for most of those years I've paid for my own phone. I know they can be necessary. But I'd question any job that MADE you carry a cell phone, MADE you pay for your own cell phone, and didn't pay you enough to pay your (reasonable) mortgage and pay for the cell phone.
 
I don't think its a luxury. However, I think anything more than a pay as you go plan that you don't use except for necessities is a luxury.

But I'm a little aghast at the thought that teachers would text their students to give them information. Receiving texts costs money, and teachers should be aware that not all students have cells, can afford cells, or can afford to get texts on the cells they have.

This drives me crazy! In the beginning of the school year they tried to pass some sort of policy that NO coaches could text students. . People were up in arms! The fought it and won. In this day and age it makes me really, really uncomfortable having a coach and/or teacher text my child. Even for an iinnocent reason about practices etc...We had at least 2 incidents this past year with coaches/resource officers having flings with the students. Is it rare? Yes. But can't they communicate with the parents of any practice changes?
 
Your mom sounds like she runs into families similar to mine. This is actually a volunteer position. Lately I find it more irritating than heart-breaking. I can see a lifelong pattern of bad choices, and it is frustrating. And giving these expensive cells to their kids is just passing those bad choices down to the next generation. :scared1:


While I understand people's views on this topic I think we are being harsh. If you are in generational poverty there are sometimes barriers to moving out of poverty that people need help over coming. It is more than an educational process for the person in poverty. My sister trains on this topic and runs a program that assists people in breaking the cycle and changing their lives and those of their children.

If you have always lived in poverty and not known any difference, and don't really believe it can be different, you might think differently of giving up one of the luxuries you have. I can put off some of my purchases now to get a better purchase in the future because I fully know that by doing so it will benefit me in the future. If you don't have that mind set it will be difficult to give up something now.

It is far more than teaching people to live in a budget it is truly opening up a whole different worldview. The most fascinating part is that the learning can be both ways. I think people can often be surprised at how hard working, decent, and creative people who live in poverty are.

Thank you for volunteering.
 
If you have always lived in poverty and not known any difference, and don't really believe it can be different, you might think differently of giving up one of the luxuries you have. I can put off some of my purchases now to get a better purchase in the future because I fully know that by doing so it will benefit me in the future. If you don't have that mind set it will be difficult to give up something now.

It is far more than teaching people to live in a budget it is truly opening up a whole different worldview.

This reminds me of a story I heard lately about a lady in one of our programs. She works at a gas station. Coversationally, she told a volunteer she had always wanted to be a nurse. The volunteer responded, then you should be a nurse. She replied "I don't know how that happens." No on in her family went to college; she was a hard worker but just truly had no idea where to begin.
 
"yes, there are many irresponsible people, but...many Americans are a few paychecks away..." Unless there have been extenuating circumstances like a job loss, medical situation, etc, it IS irresponsible to be living paycheck to paycheck unless there are absolutely NO extras in your life. Too many people think being able to make the payments with nothing left over is perfectly acceptable budgeting.

There's a lot of gray area in these statements. Most Americans ARE just a few paychecks away from serious financial hardship, using the common/colloquial meaning of "a few", not just those living paycheck to paycheck. Even if you have the recommended 3-6mo of living expenses in an emergency fund, that's still only a dozen or so paychecks away from major problems, and with the average length of unemployment up to something stupid like 7mo nationally and much, much higher locally, there are few who are really prepared.

Now, I suppose we could all sit here and tsk-tsk about how they should have seen this coming, shouldn't have had cable or a cell phone or taken a vacation until they had a year or two years or five years of living expenses in the bank, but at the end of the day none of that changes the fact that many, many people who did the right things by the standards of a normal economy are getting hit just as hard right now as people who were already living on the edge financially.
 
This reminds me of a story I heard lately about a lady in one of our programs. She works at a gas station. Coversationally, she told a volunteer she had always wanted to be a nurse. The volunteer responded, then you should be a nurse. She replied "I don't know how that happens." No on in her family went to college; she was a hard worker but just truly had no idea where to begin.

I had a similar light bulb moment when one of the clients at the agency had a daughter in high school with amazing grades. She would most likely qualify for state and federal assistance at college because while her mom worked it was for barely over minimum wage. The daughter wanted to take the SATs but her mom wanted her to wait until Spring of her senior year. Her mom didn't realize that was too late to allow her daughter to apply for college. It was an educational moment that made the difference.
 
While I understand people's views on this topic I think we are being harsh. If you are in generational poverty there are sometimes barriers to moving out of poverty that people need help over coming. It is more than an educational process for the person in poverty. My sister trains on this topic and runs a program that assists people in breaking the cycle and changing their lives and those of their children.

If you have always lived in poverty and not known any difference, and don't really believe it can be different, you might think differently of giving up one of the luxuries you have. I can put off some of my purchases now to get a better purchase in the future because I fully know that by doing so it will benefit me in the future. If you don't have that mind set it will be difficult to give up something now.

It is far more than teaching people to live in a budget it is truly opening up a whole different worldview. The most fascinating part is that the learning can be both ways. I think people can often be surprised at how hard working, decent, and creative people who live in poverty are.

The ironic this is, that the program the OP is volunteering for sounds like the type of program that is trying to help people become educated in how to break that cycle. Yet all she seems to be doing (based on her posts) is judging how these people were so stupid to get into this mess in the first place and how they should have either A) never had a cell phone or B) cancelled the cell at the first hint of financial trouble. If these people knew to do that, they wouldn't need her charity's services in the first place!
 
Not a slam to you MrsPete, you are voicing what others have said. I don't have children of my own. So I am really asking if having a cell would give a child more comfort, worth, status, whatever than having a permanent address?
I'm not defending the cell phone as a priority -- just saying that it's how teenagers see things. They're kids. They aren't hard-wired to think long-term yet. If they did, every single one of them would do their homework every day, apply for scholarships, and work towards college degrees in profitable fields. Instead, many choose to drop out of school, smoke pot, and do other things that'll hold them back long-term -- because those things are fun TODAY. Teens don't necessarily see things the same way we do.
As for the question about teens and phones. A teen would not have any control over whether the family has a home and would not be able to change that situation. Being homeless or almost homeless makes that teen feel that they are very different from their peers. The one thing that all teens want is to feel that they are just like their friends and having a cell phone does that for them.
Also remember that a teen probably can't solve his family's housing problems by picking up a part-time job at McDonalds . . . but he probably CAN use that part-time job money to purchase a fancy phone, which'll make him feel like he is on top of things in that one area of his life. Again, I'm not defending that choice, but I do understand where he's coming from.
My Daughter is 11 years old and is in every sport imaginable and she NEEDS a phone. She has to ride the bus
I think the truth usually falls somewhere in between "no one NEEDS a cell phone" and "a child MUST HAVE THIS cell phone or our lives just won't work". There's a lot of space in between. If the phone was lost or broken, no one would stop breathing. If the cost suddenly soared to 10x its current level, you'd probably stop to consider whether it really is a need. The real "gotta have" level is somewhere between the extremes.

For middle class kids who are active in sports, etc, I suspect the truthful answer is, "This cell phone makes life so much easier for our family. It's an affordable item, and it's a choice my family has made." That's true for my family anyway.
Yes, my dh CAN be fired if he does not have a cell phone. He drives a truck and was told when he was hired that he is REQUIRED to have a cell phone.
Sounds perfectly reasonable . . . but I bet he's not asking someone else to pay his bills, is he? There's a huge difference between saying that a working adult needs basic communication and a kid needs a fancy Blackberry.

Since this is your attitude, then this is the wrong volunteering job for you.

It's like a teacher saying: "This kindergartner can't cut or color or draw or read." Uh, why do you think they are at school? To LEARN. And that's what your job is as a teacher.

Your job is as a resource provider. It's to educate. It's not to judge. If you are working in a place like that, you are already by definition working with people who are either uneducated about money, or have fallen on hard times by catastrophe and job loss.

Will it be easy? Absolutely not. But really, what did you expect when you went in there?
Totally disagree. She's not going in to just give these folks help today. She's trying to teach them to get out of their situation. They cannot do that without changing their current habits, the habits which clearly are not working.
Having an absolute rule of "you must cancel your cell to join our program" could drive otherwise suitable people away from your program, because doing away with their cell will cause more problems than it solves.
I can see that -- but if they're not willing to cut back on the cell phone bill, they have to cut back somewhere else. Sometimes it's easier to make a difficult cut if you realize you're choosing WHERE to make that cut.

Perhaps people in this program could understand better if they had all their expenses in front of them, and they were told that X amount had to be cut out. Will it come from the cell phone bill? Or will you slash entertainment expenses? Or will you cut back on the grocery bill? The numbers don't allow everything to stay -- which is the least painful for you to give up?
If that were true then we would all be bankrupt ;)

Food costs have dropped as much as healthcare have risen for example. The biggest problem I see is the 21st century lifestyle. It is still easy to live a 70's lifestyle:

One car
1,000 SF house
No Starbucks, Ipod, cable, cell phones, vido games, DVDs, digital cameras, large screen TVs, computers, "organic" food, vacation at the relatives, no eating out except for birthdays, etc. etc.

Single income, 70's lifestyle (actually probably saved up to 90's now :lmao:), and proud of it :cool1:
I agree. While some things have increased and there's no way around it (gas is another example, and the other poster didn't bring up everyone's least favorite topic: taxes), other things have gone down; for example, the internet has brought our postage costs down and has given us greater options for comparison buying.

While some things are worse for us today, by and large, the single biggest change in our family economics has been our personal spending choices.
Anyway- there tend to be two types of poverty. One is caused by a catastrophic life change-divorce, loss of income, medical expenses, what have you. These are the people most likely to dig their way back out of it. Then there are the folks who believe living off welfare and community action programs are a way of life- they learned it from their parents. It is much harder for these families, or their children, to get out of poverty. Many of them truly don't understand that the reason they have no money is because they need to 'Stop Acting Rich,' (which by the way is an excellent book by Thomas J. Stanley.)
This is true. I grew up poor -- very poor, especially as a teenager -- but we were "first generation poor", poor because of a life-changing event. We had the benefit of parents and grandparents who were working people and who didn't pass on a welfare mentality to us.
This reminds me of a story I heard lately about a lady in one of our programs. She works at a gas station. Coversationally, she told a volunteer she had always wanted to be a nurse. The volunteer responded, then you should be a nurse. She replied "I don't know how that happens." No on in her family went to college; she was a hard worker but just truly had no idea where to begin.
Makes me think about my cousin. He is just sitting around WAITING for something to happen to him. WAITING to get a good job, WAITING to become a homeowner, WAITING for his life to get going . . . we've all tried to help him set goals and do something with himself, but he seems to think that good jobs, etc. just sort of happen to lucky people, and he doesn't see himself as lucky. He has no concept of the in-between goals (take the SAT, apply to college, pass classes this semester, apply for internship . . . finally, a degree, then job interviews). He just thinks that one day the rest of us woke up and our lives were great.

Same cousin: He'd been out of work for some time, and he finally found another job. He was far behind on his electricity bill and a couple other things -- seriously behind. When he got his first paycheck, he "caught up" . . . wait for it, it's going to be bad . . . his cable TV bill. Yes, he let his electrical bill go, he didn't worry much about the rent or the water bill . . . but he "paid up" the cable TV bill. This is on the same level as the expensive phone plan for people who can't afford it. It's a lack of priorities, a lack of seeing the big picture!
 
Yet all she seems to be doing (based on her posts) is judging how these people were so stupid to get into this mess in the first place and how they should have either A) never had a cell phone or B) cancelled the cell at the first hint of financial trouble.

The OP has never said any of those things. She said that cell phones may very well be a necessity, just that they don't need the most expensive ones on the market.
 
What a great saying that is. And I can see where it would be very true.

This thread has been quite the eye opener for me. Actually, I am stunned at some of the mentality. And it makes me understand how people can get into these financial messes. Which sadly, affects the people who make wise choices.

I love gadgets and electronics. I would love a cell that I could use the internet on or call anyone I want anytime I want anywhere in the continental United States. But I have a $5 a month plan, because I CHOOSE not to waste my money on such things. And then I turn around and donate time and money to organizations that help people who frankly, don't deserve it. This will be the last family I will work with that has expensive cell plans. It is an indicator of a much larger problem.

One thing that I did not mention is that this program has a waiting list a mile long (as you can imagine). In my opinion, people who enter a program such as this with cell plans in excess of $125 a months screams that this person has no desire to spend their money wisely. And they do not deserve to get the help that is being offered. Step aside and let the next family in who will do better.

Carry on.....I am certain I will get plenty of flames for my beliefs, but enough is enough. I will help those who help themselves.
Thank you all for the insight and suggestions.:goodvibes

Oh, follow up. I stopped at the cell provider and she can cut her bill in half without having to pay a penalty.
I am sure that will go over like a lead baloon.:rolleyes:

Yes, the OP did make it clear what she thought about this people.
 
The following quote from Pygmalion pretty much says everything there is to say on the subject:

DOOLITTLE: Don't say that, Governor. Don't look at it that way. What am I, Governors both? I ask you, what am I? I'm one of the undeserving poor: that's what I am. Think of what that means to a man. It means that he's up agen middle class morality all the time. If there's anything going, and I put in for a bit of it, it's always the same story: 'You're undeserving; so you can't have it.' But my needs is as great as the most deserving widow's that ever got money out of six different charities in one week for the death of the same husband. I don't need less than a deserving man: I need more. I don't eat less hearty than him; and I drink a lot more. I want a bit of amusement, cause I'm a thinking man. I want cheerfulness and a song and a band when I feel low. Well, they charge me just the same for everything as they charge the deserving. What is middle class morality? Just an excuse for never giving me anything. Therefore, I ask you, as two gentlemen, not to play that game on me. I'm playing straight with you. I ain't pretending to be deserving. I'm undeserving; and I mean to go on being undeserving. I like it; and that's the truth. Will you take advantage of a man's nature to do him out of the price of his own daughter what he's brought up and fed and clothed by the sweat of his brow until she's growed big enough to be interesting to you two gentlemen? Is five pounds unreasonable? I put it to you; and I leave it to you.
 
The following quote from Pygmalion pretty much says everything there is to say on the subject:

DOOLITTLE: Don't say that, Governor. Don't look at it that way. What am I, Governors both? I ask you, what am I? I'm one of the undeserving poor: that's what I am. Think of what that means to a man. It means that he's up agen middle class morality all the time. If there's anything going, and I put in for a bit of it, it's always the same story: 'You're undeserving; so you can't have it.' But my needs is as great as the most deserving widow's that ever got money out of six different charities in one week for the death of the same husband. I don't need less than a deserving man: I need more. I don't eat less hearty than him; and I drink a lot more. I want a bit of amusement, cause I'm a thinking man. I want cheerfulness and a song and a band when I feel low. Well, they charge me just the same for everything as they charge the deserving. What is middle class morality? Just an excuse for never giving me anything. Therefore, I ask you, as two gentlemen, not to play that game on me. I'm playing straight with you. I ain't pretending to be deserving. I'm undeserving; and I mean to go on being undeserving. I like it; and that's the truth. Will you take advantage of a man's nature to do him out of the price of his own daughter what he's brought up and fed and clothed by the sweat of his brow until she's growed big enough to be interesting to you two gentlemen? Is five pounds unreasonable? I put it to you; and I leave it to you.

Well, in Doolittle's case it's a question of cause and effect. Was he a drunk loser because society wouldn't let him be anything else, or was he a drunken loser because he wanted to be? He certainly wasn't happy as part of the middle class either. Whatever the reason his life turned out the way he did, he was willing to sell his daughter (presumably into prostitution) so he could go on drinking.

A bit different of a question than 'should one have a cell phone?'
 
TO me the most telling thing is the OP going to the director and trying to get the programmed changed so it suits her personal sense of justice.

No shock that she was told no.

Again, no one is suggesting that expenses shouldn't be pared. But it means looking at their particular situation, and crunching the numbers. And presenting it in such a fashion that they understand and make good choices. People who get the vibe you are judging them just learn to be angry and upset. Then they aren't open to learning the valuable lessons they need.

And I find it unbelievable the cell phone provider would give personal info on a plan. I just went and tried to switch my phone, and they called my HUSBAND for permission since my name wasn't on the account even though I had the phone in my hand.
 
TO me the most telling thing is the OP going to the director and trying to get the programmed changed so it suits her personal sense of justice.

No shock that she was told no.

Again, no one is suggesting that expenses shouldn't be pared. But it means looking at their particular situation, and crunching the numbers. And presenting it in such a fashion that they understand and make good choices. People who get the vibe you are judging them just learn to be angry and upset. Then they aren't open to learning the valuable lessons they need.

And I find it unbelievable the cell phone provider would give personal info on a plan. I just went and tried to switch my phone, and they called my HUSBAND for permission since my name wasn't on the account even though I had the phone in my hand.

I think a volunteer program is going to fail if the volunteers look at the people they are trying to help and see people living a better lifestyle than they do - with expensive cell phone plans as an example. Then the people who need it won't have the program. Been on the volunteer coordinator end of that one.
 
And I find it unbelievable the cell phone provider would give personal info on a plan. I just went and tried to switch my phone, and they called my HUSBAND for permission since my name wasn't on the account even though I had the phone in my hand.

Yes, that is strange. :confused:
 


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