Vulnerable Individuals Facing Financial Crisis

Ask the shelter workers for help for you to find a place.

Oh dude move out. Go be free.

“I so feel that. I'm struggling with uni, extending my studies just so I wouldn't have to deal with something like this for dropping out 🥲 and I don't even have money for therapy 🥲”

“I just got laid off due to RIF 5 days ago with 1YOE as a SWE. I currently live with my parents but signed a lease to live in ATL (signed way before I found out) I’m stuck between living in the middle of nowhere (my parents are moving so I really do mean the middle of nowhere it’s the gumps) with my parents and sacrificing my mental health or Use all of my emergency savings to live in ATL. I’ve done the math and I can afford living in ATL for 15 months but it does eat up a bunch of my savings. I”

“Thank you for the advice and kind words. but if I take time off it wont help my finances. everything just seems intertwined.”

“Social security disability income and ssi and findhelp.org and needhelppayingbills.com and elderhelpers.org u pay 50$ a month and get unlimited volunteers to help at home. If he applies to Medicaid they likely will provide home health care workers. I am sure he might be able to find remote work. There are 65,000 remote jobs on linked in. Triple a is hiring remote customer service for 19$ an hour. I suggest u go to college and work your way through college. You can learn to trade crypto or daytra”

Grow up and get a job.

“The last 1.5 years have been rough. I had to drop out of my master's after getting a good college through GATE ( i gave it my 2 freaking years), faced health problems and now that I'm finally getting better, i'm trying to restart my career. So here I am asking for help. I'm looking for WFH job roles and am open to tech, non tech, customer support, operations, virtual assistant, or any role. I just need a push to get out of this hellhole and not feel like a failure. Being an unemp”

I think I just need my ex to leave the apartment.

“I think there’s another subreddit more designed for loans. This is a poverty finance subreddit and most people are living paycheque to paycheque. Sorry to hear about your mum and nope you can give her pleasant surprise in this tough time.”

“That's a really understandable stance given how the numbers work out for so many people right now. Makes sense why renting feels like the more realistic and flexible option when homeownership costs keep climbing this much.”

I have a job just make a bit less and taxes have trippled.

“Well if you dont have any other income time to get another job real fast or rent your house or a room out to pay the mortgage or sell it. Either way I hope things work out for you”

“Don't worry about it. I'm the same way. I'm broke as hell till I get that first check.”

“My job hasn't been on time with checks this last month. I worked for a FedEx contractor and they haven't been paying us. Me, along with a few others who haven't been paid quit already. And I filed an unpaid wage claim. I start a new job through a temp agency on Tuesday. I've been trying churches, community action, and other rental assistance places for the last 2 weeks. They all have wait lists that could take up until next month or just plain don't have the funds. I asked fo”

“Hi, thank you for replying and giving me the advice!!! I will definitely look into the college options bc I do want to go. We aren’t able to meet with the case manager IRL bc we’re in a different state, but she does press them on the issue. A big thing she fears is our case getting slowed due to retaliation, one of the people got made at her for following up after she got off vacation. I can ask her if she’s spoken to her therapist about help options though, thanks for the suggestion! We do have”

“Ik we’re in a bad situation rn and ik there have been things that could have used better decisions, but she’s trying. My dad’s never have. I gotten 2 opportunities to have a father in my life, but yk they both quit, but at least she’s there and trying. She cares and has been fighting since I was born. People have continuously told her she would be nothing and I’d grow up like that too. But I can say even though we couldn’t afford Christmas presents a lot, thanksgiving dinners, or for me to go on”

“21M fast food manager, my landlord just hit me with that 3 day notice, and while I got a place to stay lined up, i might not be able to transfer stores where my new apartment is until 2 weeks. So I might not even be able to keep the apartment anyway. It’d be hell of a lot easier getting to the new store since I can just walk or take the bus, but I have to get the transfer done asap or find a second job in the meantime. Moving back with parents isn’t an option so any advice is appreciated.”

“I don't usually post things like this, but I honestly don't know where else to let it out. Everything feels so heavy right now. I'm struggling just to find enough money to buy milk for my baby, and on top of that, I was recently bitten by a rat. It feels like one problem after another, and I'm exhausted. I've been trying my best, working hard, praying, and holding on, but there are days when I just want to cry and ask, "Lord, why is this happening?" I'm not look”

“Applying for an apartment after having been homeless for a bit, new job, doing everything the right way, but less than a percent, i do not qualify. I dont have a strong support system to help as a cosigner. So, right now that is not an option. submitted by /u/iamthegreyest [link] [comments]”

“yeah i mean, whats the alternative? go sleep on the sidewalk? o.O u mustve made it to this point without having to do that somehow”

“Hey everyone I (20M) got kicked out by my mom last week and I've been pretty lost since then. I was already planning on leaving but unfortunately it happened sooner than expected. I am staying with my girlfriends mom, but she's getting evicted at the end of August. Between me and my girlfriend (18F) we make roughly $4,000 a month net, she paid off all her debt yesterday and I still have roughly $3,000 of debt until I'm in the black again which is my number one priority to take care o”

“I guess this is about the only place where I can really air out my grievances regarding stuff that has been happening financially. To make a long story short a family member inadvertently has caused my dilemma 🤔 Her phone got hacked and she was cashing personal checks, using one of those "photo apps" to scan her checks 🤔 I was simply trying to help her out, and yep, you guessed it 🤔... What has happened ever since is unbelievable. The person that scammed her phone took copies for th”

“The job market is terrible. I moved to a smaller town in 2021 so I could afford a house, but I shot myself in the foot because now im an hour away from any liveable job. Im probably going to take a slight pay cut and also deal with a 30 minute to 1 hour commute. Ive been ghosted from 2 interviews. I got turned down from Medicare so I cant even see a doctor despite the loss of income. I had no savings because im an idiot who was ok with living paycheck to paycheck. I just want to say fuck it and”

“Use savings to pay off credit card debt, stop spending money and spend time on YOU and your real issues.”

https://giphy.com/gifs/qH7J4EXzSCmBy

“Step 1) expenses. Everything cancelled and minimized immediately. Monk mode. I put this first because it's immediately actionable. Step 2) job. Almost any job, just need something where the hours there are net positive. My recommendation is store clerk: it's a widely available, low barrier to entry job, something where you can grind and pick up shifts and OT without burning out fast. Gas station, grocery store, big box store, electronics store wherever. Try to get something not reliant o”

“Thank you for being direct. I agree that finding a stable full-time job should be my first priority. The difficulty is that the job market in China is very competitive right now, especially for entry-level IT and cybersecurity positions. I graduated several years ago but have no relevant work experience, no strong certifications, and no professional projects to prove my ability. I also live in a small county where there are very few related jobs. Because of this, my degree does not give me much”

“I’m 26 years old and currently living in a small county in China. To be honest, my life is in a very bad place right now. I do not have a stable job, I have almost no savings, and I am carrying a significant amount of debt. Every morning, I wake up thinking about my debt, my income, and my future. Sometimes, I do not even know which problem I should deal with first. My debt was not caused by illness, a family emergency, or something outside my control. A large part of it came from my own poor de”

“hello everyone, I have been recently laid off from my job, the panic and anxiety has started to set in. I have no clue on how and where to upskill myself to match today's market relevancy... This is my resume, times are a bit difficult at my household, especially after this lay off... I'll be grateful if you all can suggest me how can i upskill, on what i should focus on, to land another job. I have tried applying to a lot of jobs for the Position of AI/ML engineer but no luck. What am I”

Yeah, that's where i'm looking as well

“This post has been flaired as “Vent”. As a reminder to commenting users, “Vent/Rant” posts are here to give our subscribers a safe place to vent their frustrations at an uncaring world to a supportive place of people who “get it”. Vents do not need to be fair. They do not need to be articulate. They do not need to be factual. They just need to be honest. Unlike most of the content on this subreddit, Vents should not be considered advice threads. In most cases it is not appropriate to try to give”

“My baby girl is almost a month old. Since the second she was evicted from me, I have been so worried. I was a nanny for 10 years, I’m the oldest of 27 cousins, I’ve been caring for kids of every single age since I was in elementary school. I am so comfortable with them. But my baby. My brain is giving me all of the most vivid, visceral, horrifying fears. I can’t sleep for more than 20-30 minutes at a time before I wake up reflexively to check her. I am certain that if I leave her sleeping alone,”

I literally have $16 in my checking account … I totally get it

“tries to illegally evict you as in hang up some sort of bullshit piece of paper on your door that says you have to leave in three days or 10 days or whatever and it’s not signed by a judge with a court date on it save that or take a picture of it and save it to bring to court because that’s illegal Regarding this part, this largely depends on the state! In California, you legally have to hang a notice like this on the door of the tenant as a first step in the process. It is required by the court”

“You would know she started the process because you would’ve been served. You can’t be evicted without being brought to court and she tries to illegally evict you as in hang up some sort of bullshit piece of paper on your door that says you have to leave in three days or 10 days or whatever and it’s not signed by a judge with a court date on it save that or take a picture of it and save it to bring to court because that’s illegal. I would suggest that you leave on your own and get your own place”

“I have no money to leave anywhere better. No job. I'm getting tested for autoimmune diseases. I'm dealing with hyperPOTS and lately my BP is always so high and I don't know if it's related to the POTS anymore. I can't function properly and I'm so burnt out that I can't even imagine dealing with life being like this for another 30 yrs 😔 Absolutely NOTHING relaxes me and no matter what I do my body just stays stuck in this tense state. I wanna cry so bad but I can'”

Make peace with the idea of living with a roommate.

Getting a roommate is key so you can at least have a life.

“It gets easier imagining the repo man threatening to take your cars if you don't pay up when you have no job. Same with the bank threatening foreclosure and your kids hungry and your wife threatening divorce and leave you if you don't find anything within 6 months All of the sudden it sounds pretty entitled and spoiled to complain does it not? There are 10s of millions of unemployed people going thru that right now?! They would kill to take your job! It means they don't have to be ho”

submitted by /u/Accomplished_Oil9757 [link] [comments]

“Being poor with an uncurable disease is even more detrimental to your already failing health.”

“Call a local Catholic Church, Church of Christ, any church tbh and explain the situation, and tell them you’d be willing to donate money afterwards. The Catholic church would likely be willing to accommodate since they have short term housing for priests who visit.”

“Oh and I AM on top of the insurance for my mental health. I currently have a temporary counselor assigned to me because of how backed up they are and because of my high needs for mental support. On top of all the other recent health things I've had to manage, mental health was high on the list. Unfortunately, like I said, it's the standard to be waiting forever for a more permanent one but at least I have a temporary counselor.”

“Church? Sucks to have to beg. Wait 3 weeks to get a pay check? If the job is working out ask the boss if they could write you a check for hours already worked. They have access to "petty funds" and asked a person 3 weeks to get paid is ridiculous.”

“If you have some sort of a timeline on when you’re going to be losing your job take this time to build a cash buffer. Apply for new jobs if you haven’t already, Start saving more aggressively and cut off non essential expenses. If you find yourself struggling to keep up with the mortgage payments then you should contact your lender before you miss any payments.”

“My kid stole 200 dollars from me I’mHeart broken and don’t know what to do! Or where I went wrong he just does t care and he’s 15 submitted by /u/Beanie626 [link] [comments]”

“I’m trying to get back into the industry, and I’ve reached an impasse because of sleep apnea. First of all, let me just say I’ve been homeless and unemployed for a long time now, and there’s no way for me to use my CPAP because I have nowhere to plug it in. So I cannot be or get in compliance. So how am I supposed to get a job in this industry if they require CPAP compliance, minimum of 70%, and I have no way to use my CPAP regularly enough so that I can meet compliance? Does every company test”

“Hey all. So I’m homeless after being housed in a domestic abuse shelter and I have chronic health conditions. I’ve done everything you can think of to get some cash. I’ve sold everything of value, I’ve tried dog walking and minding, baby sitting. I’ve looked into grants and funding that way. I’ve tried reselling. I’m signed off work. I’m waiting for PIP to get back to me. I use food banks and community fridges for food, library for online access. I’m not wasteful with money but it’s hard to live”

“I’ve been living with my parents and driving an old vehicle of theirs, not having to pay with regards to either. I’m looking into moving out — just went apartment hunting yesterday — and it’s hitting me like a truck how absolutely fucking expensive it all is. And how much they demand?? One place said if rent was more than 30% of my income, I needed a guarantor. Who is spending only 30% on rent??? And vehicles, Jesus… I absolutely need one of my own especially given right now I’m driving a gas gu”

“Gonna need some tips. I’m broke and jobless af”

Where do you live?

“hi first post here, heavy rant so excuse me. just looking for advice on how to cope i suppose. i really am debating on giving up and just becoming homeless and letting whatever happens to me, happen. i’m trying to stop working entirely and get on disability. ever since i’ve been diagnosed (which, i wish i did sooner instead of ignore my symptoms because of gaslighting around me. not to mention the lack of access to doctors & specialists.) i’m working 10 hours a week, living off of maybe 500”

“The past few months have been pretty awful to be honest. From both great grandparents passing away, to water damage in house, to potential health stuff with my bladder, and helping people move, it’s all been so fucking exhausting to deal with at once. I’m 23 and am very grateful and lucky for my life in a lot of ways, but so many tragedies and inconveniences have happened recently that’s its really triggered my previous suicidal ideation/depression. Every weekend for the past few months it’s eit”

“You may consider calling Compass Health and see what resources they can provide. Nonprofit, caseworkers, crisis centers etc. Can you disclose the company you accepted a job at?”

House sitting or selling stuff on Facebook and eBay.

“My power got shut off today. I’ve been unemployed since January, but finally landed a great job that pays really well and that I really really enjoy. But I’m still trying to recover financially from being out of work for so long, and well, here I am. Two days from my paycheck and my power is shut off. I called beforehand to see if I could get an extension, no dice. I did everything I could to squeak through another couple of days, up to and including running my already overdrawn debit card for $”

“I am living on welfare and I am not looking for a job. I am a 24-year-old person living in Japan. After attempting suicide because I didn’t want my life as a student to end, I received a mental disability certificate due to a developmental disorder, and I ended up receiving welfare almost as if I was just being carried along by circumstances. If I could do a job that I actually wanted to do, improve my abilities, and succeed at it, I would like to work. But I feel like it is already decided that”

“I'm in a brutal catch-22 and need some real advice or local resources. My son and I have been experiencing homelessness. I've been living out of my car and doing Shipt. Yesterday morning, my car got repossessed. Then yesterday afternoon, I got a life-changing job offer paying $69k a year. It will completely pull us out of this crisis. The catch is that the first 6 weeks of training are in St. Peters, MO, and I'm in IL. After training, the job moves close by. I start in 5 days. I'”