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BUMPED2002 02/07/21 3:47:12 AM #1: |
Do you typically live paycheck to paycheck?
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--- SpankageBros ... Copied to Clipboard!
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SKARDAVNELNATE 02/07/21 2:27:20 PM #2: |
Living paycheck to paycheck sounds like an improvement to my quality of life. Imagine making so much that you don't have to save up for anything and the security that more is on it's way so it doesn't matter if you spend it all by then.
--- No locked doors, no windows barred. No more things to make my brain seem SKARD. Look at Mr. Technical over here >.> -BTB ... Copied to Clipboard!
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LinkPizza 02/07/21 2:27:49 PM #3: |
I heard that most Americans were living paycheck to paycheck...
--- Official King of Kings Switch FC: 7216-4417-4511 Add Me because I'll probably add you. I'm probably the LinkPizza you'll see around. ... Copied to Clipboard!
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grimhilde00 02/07/21 2:42:32 PM #4: |
I've heard that most are living paycheck to paycheck here.
But no, I have a year in cash savings for my not-cheap rent plus living expenses. Then I have my brokerage account with even more money if I needed to pull from there. And retirement is large too if I were really desperate. But importantly, I have a safety net with my family. If I hit hard times I could move in with them. Many people don't have that. SKARDAVNELNATE posted... Living paycheck to paycheck sounds like an improvement to my quality of life. Imagine making so much that you don't have to save up for anything and the security that more is on it's way so it doesn't matter if you spend it all by then. this sounds completely out of touch... --- aka kriemhilde00 ... Copied to Clipboard!
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SKARDAVNELNATE 02/07/21 3:05:41 PM #5: |
grimhilde00 posted...
this sounds completely out of touch...Can you elaborate on this? Living paycheck to paycheck sounds like a narrow corridor of making just enough. On one side people don't have enough to meet their needs. Maybe their car needs maintenance but they can't afford that and all the other demands on their money. So they have to cut back on groceries to save cash to add to the next pay period to be able to fix their car. For them being able to meet all their needs in one pay period would be an improvement. On the other side people can make more than what they need. And if their job security is good they know this condition will be true for a decent length of time. As such they can spend as much as they want before the next pay period. For this person living paycheck to paycheck is optional. --- No locked doors, no windows barred. No more things to make my brain seem SKARD. Look at Mr. Technical over here >.> -BTB ... Copied to Clipboard!
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ReggieTheReckless 02/07/21 3:09:15 PM #6: |
grimhilde00 posted...
this sounds completely out of touch...Agreeeeeed ... Copied to Clipboard!
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grimhilde00 02/07/21 3:10:13 PM #7: |
Paycheck to paycheck generally includes people barely scraping by
> Imagine making so much that you don't have to save up for anything and the security that more is on it's way so it doesn't matter if you spend it all by then. That is making assumptions that there's money than could be saved. That's not necessarily true. And people stuck in poverty are often not great about saving money because they expect it to all be gone anyway. Just felt like you made a bunch of assumptions saying people living paycheck to paycheck are financially secure. The very financially secure can waste money and still save. It's not security to be dependent on an imaginary future check. --- aka kriemhilde00 ... Copied to Clipboard!
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Mead 02/07/21 3:11:51 PM #8: |
I dont think Ive ever even personally known a person who isnt living paycheck to paycheck
--- YOU control the numbers of leches. -Sal Vulcano ... Copied to Clipboard!
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SKARDAVNELNATE 02/07/21 3:24:16 PM #9: |
grimhilde00 posted...
Just felt like you made a bunch of assumptions saying people living paycheck to paycheck are financially secure.Yes. If someone can't meet all their needs within a single pay period then being able to do so would be a step up. If someone can meet their needs but they don't know for how many pay periods this will last they might at some point fall back into the previous category. Only when both conditions are met does someone have the option to live within the pay period with all the needs met and nothing additional carried over. --- No locked doors, no windows barred. No more things to make my brain seem SKARD. Look at Mr. Technical over here >.> -BTB ... Copied to Clipboard!
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faramir77 02/07/21 3:29:10 PM #10: |
SKARDAVNELNATE posted...
Living paycheck to paycheck sounds like an improvement to my quality of life. Imagine making so much that you don't have to save up for anything and the security that more is on it's way so it doesn't matter if you spend it all by then. That's not what living paycheque to paycheque means. And no, fortunately I don't. I'm not swimming in cash but I also don't spend time worrying about finances. I can afford the small luxuries I enjoy like games, restaurant meals, alcohol, and cigars in moderation. My main financial concern is saving up for a down payment on a home. --- http://www.youtube.com/watch?v=XiCtAUrZbUk -- Defeating the Running Man of Ocarina of Time in a race since 01/17/2009. -- ... Copied to Clipboard!
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grimhilde00 02/07/21 3:38:19 PM #11: |
SKARDAVNELNATE posted...
Yes. So you're trying to say living paycheck to paycheck is better than the paycheck not being enough? That doesn't make them financially secure. They're one unexpected large expense or emergency from falling into the not good enough category. That's not financially secure. Sure there's different degrees of struggling but that doesn't make anyone living paycheck to paycheck financially secure. And I'm pretty sure paycheck to paycheck usually just encompasses anyone who can't save. --- aka kriemhilde00 ... Copied to Clipboard!
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BADoglick 02/07/21 4:07:00 PM #12: |
I was for a long time. I paid off a bunch of debt a year ago though and have been saving/investing since.
--- BADoglick to the Max! ... Copied to Clipboard!
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LinkPizza 02/07/21 4:55:19 PM #13: |
I was not too long ago. Things got better (when I got a better job), and I paid off my car. Now paying off a credit card debt. Then, will get a house...
--- Official King of Kings Switch FC: 7216-4417-4511 Add Me because I'll probably add you. I'm probably the LinkPizza you'll see around. ... Copied to Clipboard!
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Raddest_Chad 02/07/21 4:59:17 PM #14: |
LinkPizza posted...
I heard that most Americans were living paycheck to paycheck...there was some stat pre-covid where most Americans couldn't afford a $600 emergency. but the most billionaires, so.... ... Copied to Clipboard!
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SKARDAVNELNATE 02/07/21 5:10:10 PM #15: |
grimhilde00 posted...
So you're trying to say living paycheck to paycheck is better than the paycheck not being enough?Yes. grimhilde00 posted... That's not financially secure.It's a more financially secure position than not being able to live paycheck to paycheck. grimhilde00 posted... Sure there's different degrees of struggling but that doesn't make anyone living paycheck to paycheck financially secure.The other criteria I mentioned was assurence of future paychecks. I don't expect them to be financially secure from a single paycheck. As long as the paychecks they receive continue to be sufficient then I see that as financial security. --- No locked doors, no windows barred. No more things to make my brain seem SKARD. Look at Mr. Technical over here >.> -BTB ... Copied to Clipboard!
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grimhilde00 02/07/21 5:12:52 PM #16: |
SKARDAVNELNATE posted...
The other criteria I mentioned was assurence of future paychecks You're just making up this category that doesn't exist. People living paycheck to paycheck don't generally have a future guarantee. Even stable salary jobs can be gone. That's not a guarantee. It's just not a thing that's for people without savings. If you're financially secure, you have savings without needing a future paycheck that is not at all guaranteed. --- aka kriemhilde00 ... Copied to Clipboard!
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SKARDAVNELNATE 02/07/21 5:22:07 PM #17: |
grimhilde00 posted...
You're just making up this category that doesn't exist.https://en.wikipedia.org/wiki/Job_security --- No locked doors, no windows barred. No more things to make my brain seem SKARD. Look at Mr. Technical over here >.> -BTB ... Copied to Clipboard!
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Adam_Savage 02/07/21 5:38:14 PM #18: |
living paycheck to paycheck isn't a good thing dude
i don't know why you keep trying to argue that it is barely scraping by on necessities, sometimes barely even that, until the next paycheck where you get to barely scrape by again is not a good thing. it is, in fact, a bad thing. --- definitely not helly ... Copied to Clipboard!
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Raze_Razel 02/07/21 5:39:44 PM #19: |
It's pretty obvious what "check to check" means.
Doesn't always mean being poor and destitute, which is a common use for the phrase being fair. But it can also apply to working class people who barely make enough to maintain their desired lifestyle. Or in fact anyone trying to maintain a certain lifestyle, but struggle to make the end's meet.
--- --- have I done it? Have I derailed another thread with logic and facts? ... Copied to Clipboard!
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grimhilde00 02/07/21 5:42:04 PM #20: |
SKARDAVNELNATE posted...
https://en.wikipedia.org/wiki/Job_securityright so a category that doesn't exist for the majority of people. Job security is not a reality for most Americans. I say this as someone in a pretty secure field. But guess what, I also have enough money to waste and save. Many of my friends and family cannot say the same even though they have "stable" jobs. --- aka kriemhilde00 ... Copied to Clipboard!
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Bugmeat 02/07/21 5:49:45 PM #21: |
If I were a little more frugal and less impulsive I could easily save up a decent financial safety net.
If it weren't for my accidents bumping my insurance up by 200 a month and my impulsiveness with money I could probably put away 400 a month without having to "scrape by". --- "Genetics is fascinating. For example, if I mated with this chicken, I wonder if any of you would tell." ... Copied to Clipboard!
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LinkPizza 02/07/21 5:51:20 PM #22: |
People barely scraping by are also living paycheck to paycheck. Both of these categories are different levels of the same thing...
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SKARDAVNELNATE 02/08/21 8:55:49 PM #23: |
Adam_Savage posted...
i don't know why you keep trying to argue that it isIf you can comprehend the perspective of someone whose standard of living is below that then it looks desirable. --- No locked doors, no windows barred. No more things to make my brain seem SKARD. Look at Mr. Technical over here >.> -BTB ... Copied to Clipboard!
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Clench281 02/08/21 9:09:44 PM #24: |
LinkPizza posted...
I heard that most Americans were living paycheck to paycheck... There are of course issues of worker exploitation, but it doesn't help that most people are financially illiterate and choose to live beyond their means --- Take me for what I am -- who I was meant to be. And if you give a damn, take me baby, or leave me. ... Copied to Clipboard!
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SunWuKung420 02/08/21 9:14:41 PM #25: |
Nope. I don't even use my paychecks for spending cash. The cash tips I make for being an amazing chef take care of that.
--- My theme song - https://youtu.be/uYjM-BuE3Cs ... Copied to Clipboard!
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LinkPizza 02/08/21 9:51:09 PM #26: |
Clench281 posted...
choose to live beyond their means This is a big problem, tbh... I see it at my job quite often... --- Official King of Kings Switch FC: 7216-4417-4511 Add Me because I'll probably add you. I'm probably the LinkPizza you'll see around. ... Copied to Clipboard!
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wwinterj25 02/08/21 10:02:15 PM #27: |
I'm unemployed so a real catch.
--- One who knows nothing can understand nothing. http://psnprofiles.com/wwinterj - https://imgur.com/YvP6isz ... Copied to Clipboard!
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CarefreeDude 02/08/21 10:06:42 PM #28: |
I was for a while but I eventually got a job at amazon. It paid really well and I got lots of amazon stocks. When I left I sold the stocks and got quite a bit of money from that.
--- Switch Code: SW-5421-8761-9807 IGN: Chris Pokemon Home Friend Code: XSNF-XRED-EWDK 3DS:5112-3770-6561 ... Copied to Clipboard!
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Smarkil 02/08/21 10:16:25 PM #29: |
I haven't for a good while. Now I keep about a 6 month runway in case I get shitcanned or something comes up. But it took me a long time before I was able to even get to this point.
--- I promise that if the game stinks I will make a topic about how I hate it and you can all laugh at me - Mead on Fallout 76 ... Copied to Clipboard!
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Xfma100 02/09/21 8:56:24 AM #30: |
faramir77 posted...
And no, fortunately I don't. I'm not swimming in cash but I also don't spend time worrying about finances. I can afford the small luxuries I enjoy like games, restaurant meals, alcohol, and cigars in moderation. My main financial concern is saving up for a down payment on a home. I'm close to being in the same situation. With that said, I do still spend time worrying about finances. Mainly because I want to ensure that I have enough money in the future for kids, vacations, retirement, etc. I don't want to struggle ever again, I've been there and it's awful. ... Copied to Clipboard!
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ParanoidObsessive 02/09/21 9:40:03 AM #31: |
BUMPED2002 posted...
Do you typically live paycheck to paycheck? No, I live my life like there's no tomorrow. All I've got I had to steal, but at least I don't need to beg or borrow. --- "Wall of Text'D!" --- oldskoolplayr76 "POwned again." --- blight family ... Copied to Clipboard!
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TaKun782 02/09/21 9:46:09 AM #32: |
Im disabled due to my crippling depression and suicidal thoughts. That being said though, I do get a decent amount a month on disability so..yes. I do live off of that the best I can while still living with relatives which makes it a bit easier trying to stretch a dollar and it does make me really appreciate the value of a dollar and I try to take whatever I get, split it in half and save the rest into savings.
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KJ StErOiDs 02/09/21 11:35:28 AM #33: |
If you mean barely scraping by then no; I'm able to save a good deal of what I make
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GGuirao13 02/09/21 1:40:41 PM #34: |
In theory, eveyone is. The real issue is the size of those checks.
--- Donald J. Trump--proof against government intelligence. ... Copied to Clipboard!
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BlueOcean 02/09/21 3:23:05 PM #35: |
I feel like I could fall into either category. If I spend casually I will have left over at the end of the month that carries over. But I can easily use my entire check up per month. I dont have a large savings... Im working on that. Debts are cleared though.
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RoboXgp89 02/09/21 4:00:51 PM #36: |
i've been hemoraging money
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mooreandrew58 02/09/21 4:56:39 PM #37: |
I was doing great when I had someone to split the bills with. Still would if I wasnt paying their car bill for them now so they dont lose it and hopefully will start bringing in some incomr again
--- Cid- "looks like that overgrown lobster just got served!" Bartz-"with cheese biscuts AND mashed potatoes!" ... Copied to Clipboard!
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pionear 02/09/21 6:41:15 PM #38: |
Hell, ever since my IC gig went out of biz I've been pretty much living Stimulus To Stimulus...and now they are acting funny with me trying to get a PPP IC loan to tide me over or to help me get some stuff (mainly a Car) to help me get another driving/courier gig...
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