What budget? Why worry? How do people do it?

Do you actually know someone like this or are you just hearing about it? If you actually know the person who is cheating the system, why aren't you calling out the person on it??? Not the food bank-but the actual person??? Personally, I don't know how this could be profitable - food banks here don't have much to give out to each individual and the cost of the flea market table would be more than they could get for the food, but if I knew someone was doing that I would be at the flea market letting everyone know that these were groceries free from the food bank.
I can see why the food pantry can't do anything. They can't cut someone off just on the say so of someone else. Too much room for abuse of power, but you can certainly call someone out on it.

LOL. this happens alot here. some one always knows some one who is abusing food stamps but when you tell them they can report the abuse anonymously without reprecussion, you usually get nothing.

My churchs food bank definitely knows the people who are trying to scam the system. now we are a private organization so we have a bit of more leadway but believe me you, we let them know we are aware of them and if we catch them we have no problem siccing the cops on them. we usually don't see them after that.:rolleyes1

I pretty much the abnormality around here though. the poor folks who come to my church are actually lower middle class working poor. they pay taxes like every one else. They aren't driving Cadillacs escapades, most have chevy's that are 7 years old, most have one adult who has lost their jobs and are hanging on to stay in the house they have and they darn sure aren't going to the world every year. So no, I generally don't get mad at their life, au contraire I thank God daily that I am not in their situation.
 
I agree completely with the OP. I see it all the time, too. People who I know earn a fair amount less than me but prioritize their money much differently than my wife and I do. In no way do I want to imply that everyone needs to have the same priorities. Different priorities alone would be perfectly fine if it was working for them and they were happy with their choices -but it isn't and they're not. I know that because they say so. They complain about their bills. They complain about having trouble making ends meet. They complain about collection agencies calling. They complain about the garnishments on their paychecks. And yet, as stated, they are driving shiny new cars that they've leased or bought with 5 or 6 or 7 year loans. They get their hair and nails done regularly. They go out to eat lunch every day. They buy lottery tickets, go out drinking every weekend, have smartphones and various other toys and perks in their lives.

There is absolutely nothing wrong with any of those things IF you can AFFORD them. If you can't afford them, don't get them. That is a very simple concept that many people just can't seem to grasp.

Do you really worry about the "Joneses" that much? there have always been poor people, there always will be?
Two things:
1. It isn't the Joneses who are the problem. They are the ones that have the money and can afford all of the nice things. The problem is the people who try to keep up with the Joneses but can't afford to do so. They go into debt
up to their eyeballs to try and support a lifestyle that they can't afford.

2. I agree that there will always be poor people. This isn't about that. This is about people who are living poor and don't need to be. They could be living a comfortable lifestyle without debt and with a lot less stress if they would just make some better choices and reorder their priorities. I know people making very nice 6-figure incomes who are "poor" because of this. I've often read that 60-70% of Americans live paycheck to paycheck. That's a huge number that includes plenty of people who aren't economically poor. There was just a study a week or two ago that showed that 60% of people have less than 25K in savings and 30% have less than 1K in savings. There is really no excuse for those stats.
 
Many people cringe at the sound of "budget" as they would the sound of "diet". Truth is, if a lot of people trimmed the fat on their spending, they would find an extra paycheck in there! I LOVE my budget. I have been using YNAB for a year now and I check it several times a day... not because I need to, but because I want to. It is a budget keeper, account manager, and a "how to" tool all in it self. I don't know where I would be without it. We have a huge week long Disney trip planned for July of this year and we are a family of 7, I am a stay at home mom, and my husband is in the military. No big bucks coming in, but with our budget we have will have plenty saved for it and will not even notice the difference each month that we are saving. For everyone that is not accountable for their spending, it will catch up to them eventually. I choose not to go that route. I like the security of knowing exactly where my money is going.


*if you are wondering what YNAB is, here ya go: http: // www . youneedabudget . com?AFFID=74049

(had to space it.. don't have enough posts yet)
 
I agree completely with the OP. I see it all the time, too. People who I know earn a fair amount less than me but prioritize their money much differently than my wife and I do. In no way do I want to imply that everyone needs to have the same priorities. Different priorities alone would be perfectly fine if it was working for them and they were happy with their choices -but it isn't and they're not. I know that because they say so. They complain about their bills. They complain about having trouble making ends meet. They complain about collection agencies calling. They complain about the garnishments on their paychecks. And yet, as stated, they are driving shiny new cars that they've leased or bought with 5 or 6 or 7 year loans. They get their hair and nails done regularly. They go out to eat lunch every day. They buy lottery tickets, go out drinking every weekend, have smartphones and various other toys and perks in their lives.

There is absolutely nothing wrong with any of those things IF you can AFFORD them. If you can't afford them, don't get them. That is a very simple concept that many people just can't seem to grasp.


Two things:
1. It isn't the Joneses who are the problem. They are the ones that have the money and can afford all of the nice things. The problem is the people who try to keep up with the Joneses but can't afford to do so. They go into debt
up to their eyeballs to try and support a lifestyle that they can't afford.

2. I agree that there will always be poor people. This isn't about that. This is about people who are living poor and don't need to be. They could be living a comfortable lifestyle without debt and with a lot less stress if they would just make some better choices and reorder their priorities. I know people making very nice 6-figure incomes who are "poor" because of this. I've often read that 60-70% of Americans live paycheck to paycheck. That's a huge number that includes plenty of people who aren't economically poor. There was just a study a week or two ago that showed that 60% of people have less than 25K in savings and 30% have less than 1K in savings. There is really no excuse for those stats.

*clap clap*
 

Unfortunately, many people today feel a strong sense of ENTITLEMENT. And that is the root of many of society's problems.

I know someone who hoards food from the food pantries and then sells it at flea markets. When the food pantries he collects from are told about his actions, they say "we can't stop giving him food". Yet they continue to say they're short food. I don't understand this at all.

Unlike we're being told, "rich" people aren't the problem. They're paying PLENTY of taxes. I KNOW that there are PLENTY of people out there who just don't feel like they have to contribute to their own upkeep. Somehow that's become the government's responsibility. But they need to know that the government's money is simply just the taxpayers' money. And we have finite resources.

It's not a matter of "turning off the tv" and burying your head in the sand to avoid these problems. They affect all of us eventually.

If you know for a fact that this person is collecting food just to sell it, then you need to keep complaining about it. If you have to, go up the chain of command. Go to the press. Tweet about it. Do something about it.
 
I get the vent, from reading it though it is clear that you are probably assuming you know things about some people that you don't.

Currently, there are a lot of people who are trained for a job and can't get one- even if they relocate. DH is in a career that people are pushing and saying we need, but he has even looked into leaving the country and it's not that he's no getting the job- there is no job to get. (he has multiple part time things going on, not like he is sitting around either)

I'm just saying some of the issues may be more complicated than they seem. Even if DH got an offer to move somewhere, you can't even give away houses here. (not exaggeration, reality)
 
2. I agree that there will always be poor people. This isn't about that. This is about people who are living poor and don't need to be. They could be living a comfortable lifestyle without debt and with a lot less stress if they would just make some better choices and reorder their priorities. I know people making very nice 6-figure incomes who are "poor" because of this. I've often read that 60-70% of Americans live paycheck to paycheck. That's a huge number that includes plenty of people who aren't economically poor. There was just a study a week or two ago that showed that 60% of people have less than 25K in savings and 30% have less than 1K in savings. There is really no excuse for those stats.

But Steve this is the point.

Up until this recession the AVERAGE (meaining most Americans)
had a negative savings rate (I believe up until 2007 it was -2%)
Had an average credit card debt of 9000 bucks.

So why are we acting all shock and shaken. These are average statistics. so now all of a sudden people on welfare are the big problem? Gimme a break.

Americans have been living la vida loca for decades now AND the interesting thing is last month banks have announced that consumer loan borrowing and spending was up. Translation: we are back to our spending ways (although a lot of analyst believe it's because more people are putting necessities on credit cards). Last year, in the middle of a recession according to time magazine we racked up over 5 billion with a b on credit card debt. translation: even though we can't afford it, darn it we deserve a happy Christmas. Now we have the nerve to vent that some smuck on welfare is causing our economic downfall? Really? Americans shopped until they dropped over the holidays in the middle of the worst economic downturn since the depression and the family at the food bank is the problem. ROTFL.
As a previous poster said, nothing is going to change because we have not taught our kids financial responsibility and they won't teach their kids. The mantra here has always been and seems to still be "that new ipad is way more important than putting money in your savings".
 
Many people cringe at the sound of "budget" as they would the sound of "diet". Truth is, if a lot of people trimmed the fat on their spending, they would find an extra paycheck in there! I LOVE my budget. I have been using YNAB for a year now and I check it several times a day... not because I need to, but because I want to. It is a budget keeper, account manager, and a "how to" tool all in it self. I don't know where I would be without it. We have a huge week long Disney trip planned for July of this year and we are a family of 7, I am a stay at home mom, and my husband is in the military. No big bucks coming in, but with our budget we have will have plenty saved for it and will not even notice the difference each month that we are saving. For everyone that is not accountable for their spending, it will catch up to them eventually. I choose not to go that route. I like the security of knowing exactly where my money is going.


*if you are wondering what YNAB is, here ya go: http: // www . youneedabudget . com?AFFID=74049

(had to space it.. don't have enough posts yet)


Thanks for sharing that site - I think we might get that! It has a lot more functionality than what we current use!
I like that it takes proactive vs reactive budget management to the next level!

I forwarded the link to my wife.

I also like that it can be on both home computer and mobile phone - you don't spend too much money at home, right? HAHA
 
Unfortunately, many people today feel a strong sense of ENTITLEMENT. And that is the root of many of society's problems.

I know someone who hoards food from the food pantries and then sells it at flea markets. When the food pantries he collects from are told about his actions, they say "we can't stop giving him food". Yet they continue to say they're short food. I don't understand this at all.

Unlike we're being told, "rich" people aren't the problem. They're paying PLENTY of taxes. I KNOW that there are PLENTY of people out there who just don't feel like they have to contribute to their own upkeep. Somehow that's become the government's responsibility. But they need to know that the government's money is simply just the taxpayers' money. And we have finite resources.
It's not a matter of "turning off the tv" and burying your head in the sand to avoid these problems. They affect all of us eventually.

See, I disagree. And I know a lot of "rich" people who completely disagree. Most of the people I know who fall into the "rich" category say that in a way, they are the problem. They don't think they are paying enough in taxes. Which of course is soemthing that they can't change, but its something that they think needs to be changed. They think that the CEOs of many of the large corporations are selfish and don't care about anything but making money. They think that corporations and the wealthy need to be contributing more because in the end, most of them are probably working no harder (or work even less) than those who are making a middle class income (especially teachers, social workers, police, etc). But many of these individuals I know who fall into this category are also physicians who believe in health care equality and are completely willing to take a paycut if thats what is necessary to get us to that point. So they might just have a different mindset and different set of values.

I agree that people need to live within their means but I do not think its correct to say that the "rich" are not at least some of the problem.

But entitlement is also a huge issue. And I see it on these boards ALL THE TIME!

I do try my best not to judge people though because I don't know the specifics of their finances or family. If someone did not know about my medical situation, they would probably think that my paretns don't know how to manage their money because we do struggle some months (especially at the beginning of the year and in july when our insurance kicks back to the beginning). But my mom has a business and finance degree, my grandpa is an accountant. My parents both watch their money closely.....but we are struggling right now adn no, we are not living beyond our means.

Yes there are people who abuse the system when it comes to social program (just like there are wealthy who abuse the system so that they dont have to pay) but I HATE it when everyone is lumped together. This is why so many people who DO need help (food stamps, medicaid, etc) are so reluctant to get it because of the judgment and stigma attached to it.

The problem is, as a society in this country, we are becoming much more selfish, much more entitled and as a whole, we dont care about anyone but ourselves. Until the mentality changes back to the fact that we ALL need to do our part, nothing is going to change.

I pretty much the abnormality around here though. the poor folks who come to my church are actually lower middle class working poor. they pay taxes like every one else. They aren't driving Cadillacs escapades, most have chevy's that are 7 years old, most have one adult who has lost their jobs and are hanging on to stay in the house they have and they darn sure aren't going to the world every year. So no, I generally don't get mad at their life, au contraire I thank God daily that I am not in their situation.

I can join you in being an abnormality I guess. The poor people, or the people struggling that I know are hard working individuals who are in bad situations. Divorce, medical bills, unemployment, etc. They have kids on the free lunch program, they have medi-cal, they qualify for more assistance. Some do have "newer" cars but many of them bought cars with cash before they had financial problems. They were the people who stayed out of debt by doing all the right things but situations out of their control got the best of them. I thank God everyday that I am not in that situation as well. But I also know that we are one unfrotuante event away from being in that situation. If my dad lost his job, we'd be screwed. Not because we don't budget well, but because we live in a high COL area (not really by choice...its where the job was) and because we have bills that we cant control and its our savings that suffers.
 
Not an ivory tower at all. I volunteer at the food pantry because my community does have many people who have a need, either temporarily or long term. (Also I really like to drive the fork-lift) However, there are many people who abuse the system. Such as the woman who drives a new Range Rover to pick up her food.

I have no problem when people need assistance. I donate to the pantry myself. I do however find it ridiculous to be rolling in a $90,000 car to pick up some free canned goods. Since the woman works at the hospital (parking sticker) it's not like the car is provided by her employer.
So, you think she is a cheater because she drives an expensive car with a hospital parking sticker on it? Have you followed her to her job? Do you really know if she still works for the local hospital? Have you seen her there? Maybe she lost her job. Even if she does, maybe she's one of those high paid receptionists. Or maybe she is a volunteer like you and the hospital provides her with free parking. My point is that you just don't know her situation and why she is using a food pantry. You are assuming that she is a cheater. It's hard enough for folks to use a food pantry, they don't need the volunteers like you looking down their nose at them because they are not judged to be worthy enough for help.
 
Yet, another group that annoys me - those who go to college for 4+ years for specific career focused training and REFUSE to MOVE to secure the job that they are trained to do. If you went to college to be a teacher - GO TEACH! Just because you can't get a job at the school around the corner does not mean that 'there just aren't any teaching jobs' - it means that you refuse to mobilize your life, and put your degree to work for you, and for the good of society. There are school districts that are desperate for young energetic teachers! Why sit and be complacent? GO TO WORK!

I have to somewhat take exception to this one. I found myself in a "move it or lose it" situation 10 years ago + 2 months. My office in STL was closing & my job was moving to Kentucky. I had the option of moving with my job, or staying put & collecting a severance. Within the past 15 months, we had completed our "dream house" and had our first child. My parents, in-laws, and sister all lived within 1/2 hour of our house. What's more, my wife had a solid income right where she was. I wasn't uprooting our entire lives for a company that may or may not have been around in the longterm. So, I stuck around long enough to train my replacement (and my co-workers' replacements) and started over. Yes, it would be nice to have the 5 weeks of vacation I'd have now, and better insurance. But, it's also a tremendous sacrifice to leave your roots behind.
 
I have to somewhat take exception to this one. I found myself in a "move it or lose it" situation 10 years ago + 2 months. My office in STL was closing & my job was moving to Kentucky. I had the option of moving with my job, or staying put & collecting a severance. Within the past 15 months, we had completed our "dream house" and had our first child. My parents, in-laws, and sister all lived within 1/2 hour of our house. What's more, my wife had a solid income right where she was. I wasn't uprooting our entire lives for a company that may or may not have been around in the longterm. So, I stuck around long enough to train my replacement (and my co-workers' replacements) and started over. Yes, it would be nice to have the 5 weeks of vacation I'd have now, and better insurance. But, it's also a tremendous sacrifice to leave your roots behind.

Totally agree with this. I would rather take a lower-paying job that was not in my chosen field than move to another city. I have a very close extended family (60+ members) and with the exception of my brother who moved cross-country recently, we are all within an hour's drive of each other, and many of our children attend the same schools. I'd be willing to give up many things, but not uproot my family.
 
My mom's family has been in this town since 1821, so we definitely have some roots :rotfl:

Now, I do have to agree somewhat on the entitlement attitude of some college grads. It isn't the degree that drives your pay, but rather the fact you're allegedly qualified for DIFFICULT work that would make such pay justified. You might have a stressful job, long hours, loads of repsonsibility. And you're being paid for these things, not for that piece of paper on your wall that's been collecting dust since 1989.

As an example, I had a coworker with an accounting degree who was doing accounting "clerk" type work here. She whined all the time about having a degree (although she hadn't done any additional schooling in 20 years) and not being paid more. Eventually, she did take a higher paying job elsewhere, but it has MUCH more responsibility.

Another was a teacher friend. She took a job at the same Catholic elementary school that she attended as a child. It was a VERY low paying job. She had an offer for 40% more from a public school 30 minutes away. But, that would have meant a larger class, probably some learning disabled kids, and probably some rowdy kids. And she didn't want to do that. Okay fine, then quit whining about "having a masters degree and needing a 2nd job to get by". I understand the appeal of a job that's "easy", even below your skill level. But, the low pay that comes with that is to be expected.
 
So, you think she is a cheater because she drives an expensive car with a hospital parking sticker on it? Have you followed her to her job? Do you really know if she still works for the local hospital? Have you seen her there? Maybe she lost her job. Even if she does, maybe she's one of those high paid receptionists. Or maybe she is a volunteer like you and the hospital provides her with free parking. My point is that you just don't know her situation and why she is using a food pantry. You are assuming that she is a cheater. It's hard enough for folks to use a food pantry, they don't need the volunteers like you looking down their nose at them because they are not judged to be worthy enough for help.

I have volunteered at this pantry for nearly 8 years.

Our town is not that big. She is a respitory therapist. They make decent money. She has been coming to the food pantry for years. The 2012 Range Rover is not her first luxury car, she used to have some sort of Lexus. I do know more about her situation...there are plenty of hospital employees that volunteer at the food pantry (and they like to gossip). I just wonder if she goes to other pantry's too.

Before you say, maybe she is getting food for someone else.......our food pantry actually delivers to those unable to drive or without transporation.

But even if I did not know that about her, if she (or anyone) is prioritizing having NEW luxury cars before paying for food---that is a problem. It's not a problem for me, it's a problem for the people who have "real" food insecurity issues; and not a NEED for luxury goods.

There are a few other people that frequent the food pantry that are in similar situations, but the way our pantry is run they are not excluded. The pantry operates on the honor system.

YOU assumed I was judging, maybe in your mind I should stop volunteering because my mind thinks "that's an awefully nice car to be driving to pick up your free canned goods". Of course if everyone at the pantry who shared a similar opinion stopped volunteering--the doors would shut.
 
YOU assumed I was judging, maybe in your mind I should stop volunteering because my mind thinks "that's an awefully nice car to be driving to pick up your free canned goods". Of course if everyone at the pantry who shared a similar opinion stopped volunteering--the doors would shut.
I think it's convenient that you suddenly know who she is and where she works and what she does. Oh, and I know the town of Naperville. It is not the tiny little burg you make it out to be. It's the 5th largest city in Illinois.
 
I think it's convenient that you suddenly know who she is and where she works and what she does. Oh, and I know the town of Naperville. It is not the tiny little burg you make it out to be. It's the 5th largest city in Illinois.

It is not convenient, I could give you her name; but that is not my place. Gossip makes big places small towns, especially when you drive a fancy car and ask for handouts.

Clearly you think I am in the wrong. I could care less. The reality is there ARE people who cheat the system and don't care. They are only out for their own benefit, including people that visit food pantry's. Maybe in your mind it is ok to drive a new car with monthly payments in the thousands of dollars, and then get other people to pay for you food. My world, and my mind can not justify that "reality". There is only a finite amount of help available, it is not a never ending rainbow of free food.

Perhaps you can start a charity for those who have a sense of entitlement. You can offer to pay their cell phone bills, sponsor destressing spa days at Kohler, make their luxury car payments, pay bills from Barney's, Neiman's etc. You can fund round the world luxuy vacations. I couldn't be bothered to waste my time.
 
It used to be that you didn't buy things, unless you had the money cash in hand. That is how both my husband and myself were brought up. This fall we will be married 20 years, I was a stay at home mom for 18 1/2 years, but I'm starting a full-time job next monday.

It was hard financially and I did take a part-time job several times. My husband lost his job several times during our marriage and yes, he did look out of state for work, but a local job landed in his lap. You would think that he has a great income, but we pay $1200 for medical insurance each month. You learn to live within your means.

It seems that we have this entitlement attitude, ME, ME, ME, won't worry about it til later, or someone else will pay for it. And those commericals for reducing the amount that is owed to the government, like I owe the government, $75,000 but we settled for $13,000. Pay what you owe. I subbed in my son's private school and the number of families that didn't pay their tuition was amazing! I can understand falling on hard times, been there myself, but you can make payment plans with most places, that's what we did. Told the school when my husband lost his job, instead of paying X amount, we can afford this. But I didn't have a trip planned with money I didn't have. I also had to type of letters at school to the families that applied for free or reduced hotlunch, that had made up foster children, didn't they think the school would check into that?

And to the lady that I was behind in Aldi's today that "forgot" her money and was asking me to pay for her $109 in groceries, um no! I don't have enough money to pay for mine and yours, run to the bank and get some cash.
 
It is not convenient, I could give you her name; but that is not my place. Gossip makes big places small towns, especially when you drive a fancy car and ask for handouts.

Clearly you think I am in the wrong. I could care less. The reality is there ARE people who cheat the system and don't care. They are only out for their own benefit, including people that visit food pantry's. Maybe in your mind it is ok to drive a new car with monthly payments in the thousands of dollars, and then get other people to pay for you food. My world, and my mind can not justify that "reality". There is only a finite amount of help available, it is not a never ending rainbow of free food.

Perhaps you can start a charity for those who have a sense of entitlement. You can offer to pay their cell phone bills, sponsor destressing spa days at Kohler, make their luxury car payments, pay bills from Barney's, Neiman's etc. You can fund round the world luxuy vacations. I couldn't be bothered to waste my time.

No reason to be rude because someone may not agree with you and notes that your idea of a "small town" is a little skewed. Most would agree that a municipality of approximately 150,000 people, while not a big city, hardly qualifies as a small town.
 
:confused3

Sorry I really never understand the purpose of these vents. Pretty much they are simply "every body on public assistance is stealing my hard earned cash, while I live in a 2X4 shoebox and ride a 10 year old car"

Do you really worry about the "Joneses" that much? there have always been poor people, there always will be? Do you know all these folks who you say are getting fancy degrees and then not moving to where the jobs are?

you're tired of hearing about them? turn off your tv. stop watching the news. Hang out on the dis boards.

I think it's a bit ironic that you are tired of hearing about them yet you spread the very same information.

So now will have 20 pages of budgeters patting themselves on the back for being master of the universe and whining about how unfair life is.

Do they make you feel better?

Is it OK to pat your self on the back for making between the high six to low seven figures in salary? Did it make you feel better doing it?
 


Receive up to $1,000 in Onboard Credit and a Gift Basket!
That’s right — when you book your Disney Cruise with Dreams Unlimited Travel, you’ll receive incredible shipboard credits to spend during your vacation!
CLICK HERE








DIS Facebook DIS youtube DIS Instagram DIS Pinterest DIS Tiktok DIS Twitter

Back
Top Bottom