FabSwingers.com > Forums > The Lounge > Are you poor?
Are you poor?
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"Legit, I can pay my rent, bills, food shop... But that's it "
These things are all relative.
Financially, we are not loaded but also don't need to watch the pennies. More importantly though, life is good. Happiness is much more valuable than you can imagine.
Cal |
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Not any more but we both have been and it sucks. People with comfortable incomes who say money doesn't solve all problems are technically correct but they often forget how many of the simple day to day stresses having cash takes away.
Mr |
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"Legit, I can pay my rent, bills, food shop... But that's it
These things are all relative.
Financially, we are not loaded but also don't need to watch the pennies. More importantly though, life is good. Happiness is much more valuable than you can imagine.
Cal"
I feel you missed the point? |
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By (user no longer on site) 31 weeks ago
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"Legit, I can pay my rent, bills, food shop... But that's it
These things are all relative.
Financially, we are not loaded but also don't need to watch the pennies. More importantly though, life is good. Happiness is much more valuable than you can imagine.
Cal"
But if you were struggling to pay the bills and buy food each month and had constant stress would you be happy?
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"Legit, I can pay my rent, bills, food shop... But that's it
These things are all relative.
Financially, we are not loaded but also don't need to watch the pennies. More importantly though, life is good. Happiness is much more valuable than you can imagine.
Cal"
How can I be happy that I have to skip on eating to make sure others are provided for first? |
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I have been skint, really skint, like 40k on debt skint
Thank You only to my Dad and some hard work myself, I got out of that trap
I would describe myself now as 'comfortable' but even still, everything is budgeted for or saved for - other than a mortgage, everything I have is paid for in full rather than on credit
I never, ever, again want to be in the situation of owing lot of money |
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"Legit, I can pay my rent, bills, food shop... But that's it
These things are all relative.
Financially, we are not loaded but also don't need to watch the pennies. More importantly though, life is good. Happiness is much more valuable than you can imagine.
Cal
But if you were struggling to pay the bills and buy food each month and had constant stress would you be happy?
"
Personally, I've been at the point where every penny was accounted for, but never where I couldn't make ends meet. I was still happy then.
I'm sure that it's much harder to be happy there's too much month left at the end of the money.
I've also been in the situation where I have been earning much more money than I needed, but I was driving 1000s of miles a week and spending all my time working... I wasn't at all happy then.
Cal |
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I've worked for minimum wage all my life apart from one year before losing that job to covid.
I'm not poor but I couldn't say I'm comfortable and I don't have very much disposable income and have to save for anything I need or want to buy.
Even a week's holiday needs lots of planning and saving. |
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By *arkus1812Man 31 weeks ago
Lifes departure lounge NN9 Northamptonshire East not West MidlandsMidlands |
I am not poor, neither am I rich.
I have no mortgage and I have no rent to pay so am able to manage my bills.
I have 3 sources of income, State Pension,Private Pensions and a Trust fund.
I pay income tax on the Private pensions and the trust fund.
Yes I had a pension increase this year, but I also had increases in Council Tax, House Insurance, Internet Package,and a 50% increase in car insurance.
At the present time I am running two cars but one is up for sale.
As I get older I am having to employ a Gardener,a Cleaner and a window cleaner all of which I used to do but no longer able.
I try to put some money into a Rainy day fund but that go wiped out last year as I had to spend in excess of £7k on house repairs and maintenance.
Last financial year my income exceeded my my outgoings by £240 (House repairs not included) |
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I have a shit load of debt so I guess yeah I’m sort of poor but I keep on top of payments and manage to run a car and do things with the kids so I’m not totally drowning. I’m really bad with money tbf I spend above my means all the time  |
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Define rich and poor, people have widely different views on that.
I'm far from poor and would not consider myself rich. I can spend pretty much on what I want without any concern which I'm grateful for.
I have been at the other end as well with not enough money to cover bills/food etc. Very much a case of heat or eat. |
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I suppose on paper I am, but I don't feel it because I'm very frugal and never lose track of my finances.
After my divorce from a very comfortably well off ex-husband I quickly learned how to budget more effectively and it became a bit of an autistic special interest. I'm disabled with a limited capacity for work, so working more hours or increasing my earning potential by changing career is never going to happen. I knew that unless I had tight control over any spending then things could quickly become unmanageable.
It's been pretty stressful, sometimes more so than others, but we've always had everything we need. It would be lovely to relax a bit and not feel the need to check my bank balance several times a day, but unless I win the lottery that's not going to happen. And so it goes.... |
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By (user no longer on site) 31 weeks ago
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Yes, and as much as i can budget to the last penny i go without basics like gas for heating. Luxuries to me are having a mobile phone with a very cheap monthly contract, or buying a whole chicken for a roast occasionally or using the washing machine more than twice a month as it's expensive to run |
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It can be hard to define, growing up with a nan we had so little money that the electricity would often be out for a couple days between when she was paid so spent many nights cold and dark and eating food straight out the tin as a kid with little more than my school uniform. Now me and violet own our own home, have enough to cover the bills and food. So we are comfortable, so younger me would say I was rich we gass is always on same as the electric and food always in, but the reality is we live a modest lifestyle.
Jack |
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We're not poor now, no. We have been in the past though.
I like the way everyone goes from "I'm not poor but I'm not rich either", like those are the only two states to be in. We're able to meet our outgoings and have a few quid left for nice things, but not enough to meaningfully save money and we've had to spend a lot on things like my mobility equipment, which we'd otherwise have been able to save. This is to the tune of probably £7000+ since my disability happened.
We have a very decent combined salary but we have had to take on big financial commitments in the past year (my disability again!) We watch our spending, we track things monthly and allow ourselves a budget for non essential stuff.
Because we know I am not going to be able to do all the cool stuff people save their retirement to do, we are choosing to spend some money now, while I'm only somewhat disabled, so that we have good memories and I can be more incapacitated in the future without wishing I'd done XYZ when I was younger.
Working and earning do impact my ability to get any help for my disability though. Simultaneously, The System wants everyone to work, but if you are able to get to work, you can't really be *THAT* disabled and you get mugged off by The System. Schrödinger's System  |
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By (user no longer on site) 31 weeks ago
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I wouldn’t say we were poor, but others could see it that way. We can afford to pay our bills, buy the food shopping and get the things we need for the kids that month, after that there’s not a lot left. We can’t go out and spend whatever we like. If we want something we have to save for it. Days out and holidays have to be planned and budgeted for in advance.
Some months are harder than others. |
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By *reya73Woman 31 weeks ago
Whitley Bay |
Yes and no.
I'm a single mum 95% financially providing for my 11 and 18 year old. Their dad pays for their mobile phones and has the younger of them 50/50. That's it.
The rest is down to me and it's an immense cost woooo!!!
I manage. I just cover everything and am pretty savvy with the times when I can't and I'm only just getting by.
Rich in love, rich in life, rich compared to many. Can I pay off my mortgage? Nope.. Interest only for now. My kids have everything they need and I sometimes go without certain things to make that happen. But that doesnt make me poor. My life is full and rich..
It's very challenging these days for anyone living alone, let alone being the only adult wage in a household with with two kids. I don't know how I do it sometimes
I don't let lack of money stop us..
I managed to go skiing with my daughter.. We borrowed gear, bought second hand gear. We stayed in a youth hostel, waited for a good discount deal..we took a camping stove and made our own hot chocolate in the snow. It might look like you need alot of money to do things but sometimes your will finds a way.
Running water, roof, car, friends, lovers, partner. No, not poor but not loaded either. Money comes in and money goes out... on life. |
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By *ustBoWoman 31 weeks ago
Somewhere in Co. Down |
I can pay my bills every month but I cannot afford to save money most months. I don't have a social life really,I rarely go out I don't drink so if I am out anyhow it doesn't cost a lot. I haven't had a proper holiday in over 30 years as I've never being able to afford it.
I work long hours but the cost of living is gone so high that hoping for anything to change in the future is just wishful thinking. I have worked all my adult life but still find myself loving hand to mouth every month. I wish instead of paying rent I could have my own small house but I can't see that happening either.
But that's life and I do have great friends and am very close to some of my family. I have my animals and a job I don't hate so it's not all bad. |
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"Not any more but we have been in a position where without credit cards and family help we'd have sunk
Was that due to inheritance? "
No 
It was due to hard work, selling our house and buying a cheaper one and retraining. |
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just rejuggled my finances, took a new job with 6k pay cut - so working out what i have and where it needs to go- and what is left - also have a spendaholic teen - who is dying because mummy bank has the shutters up . I always panic as Im a single parent and no one to fall back on. |
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By *unchalMan 31 weeks ago
Dartford |
"I'm not poor but I also have very poor money management.
I should be able to save quite a bit each month but I inevitably spend it on impulse buys.
Evie "
I’m in the same boat. I earn quite a lot but… |
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Ive been on my arse before now but do know how to survive really well.
Ive recently had to use a food bank something ive never had to do.
stewpot is one of those meals that can be cheap thrown with chips its a meal
im on pasties (cornish or cheese and onion 4 for 2.45)at moment with chips with peas or frozen veg.
10.00 for phone allowed me to have 20gb of net and phonecalls for a month
I turned to a rocket stove for heating its powerful enough to heat a 3 bed house.
ive got a boiler rocket stove now as ive turned back to the old method of heating a tank up instead.
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By *ood-guyMan 31 weeks ago
wild, wild west |
"Yes and no.
I'm a single mum 95% financially providing for my 11 and 18 year old. Their dad pays for their mobile phones and has the younger of them 50/50. That's it.
The rest is down to me and it's an immense cost woooo!!!
I manage. I just cover everything and am pretty savvy with the times when I can't and I'm only just getting by.
Rich in love, rich in life, rich compared to many. Can I pay off my mortgage? Nope.. Interest only for now. My kids have everything they need and I sometimes go without certain things to make that happen. But that doesnt make me poor. My life is full and rich..
It's very challenging these days for anyone living alone, let alone being the only adult wage in a household with with two kids. I don't know how I do it sometimes
I don't let lack of money stop us..
I managed to go skiing with my daughter.. We borrowed gear, bought second hand gear. We stayed in a youth hostel, waited for a good discount deal..we took a camping stove and made our own hot chocolate in the snow. It might look like you need alot of money to do things but sometimes your will finds a way.
Running water, roof, car, friends, lovers, partner. No, not poor but not loaded either. Money comes in and money goes out... on life. "
Wise words.
Who knew I’d be envious of a guitar and a racquet |
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"Poor on my opinion is not having enough money to cover basics. So if you can afford to pay all your bills, eat and buy shoes for the kids without too much problem you're not poor.
"
^ this. My parents struggled to buy me and my sister's shoes. They couldn't afford winter coats so they were a Christmas present from my grandad. |
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By (user no longer on site) 31 weeks ago
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Financially I stable. Bills,etc can all be paid and a few little luxuries here and there. Been in debt previously for about 5 years, tough times. I never want to go back to that place again |
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my inheritance is about to cripple me.
my greedy siberling wants all of the money.
whilst i have none the property wont have any water or gas main. no bathroom whilst i will have a bedroom.
we have 2 1/2 deeds to 2 propertys for a 3 bed
whilst the other option is to sell which will make me homeless |
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By (user no longer on site) 31 weeks ago
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I’m not poor however I certainly feel like it at times. I can’t afford to buy my own place as I can’t afford the mortgage payments at current rates despite having a decent down payment saved.
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By *929Man 31 weeks ago
newcastle |
I feel and look it most times haha not rich but not poor. Lucky enough to own my house outright, did have a second one that was rented out till lost it in a break up, make ok money working for myself. Do live like a poor man though have zero desire for luxuries, have even less desire how I appear to others so no fancy car nice clothes flash holidays ect |
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I’m not poor but wouldn’t say I’m well off either. I don’t have any debt, all of my bills are paid and I’m able to pay a little money into my savings (and some for my niece) each month. I don’t live extravagantly. I don’t have a fancy car or expensive clothes. I’d rather spend my money on making memories than on material things. I wouldn’t splurge on big shopping sprees but could stretch to afford 1 or 2 holidays a year. |
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Was brought up poor with free school meals, benefits and hand me downs. Money is no longer an issue but when you’ve been poor you never want to go back there so definitely we don’t squander money. |
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Nope. But that's only because I live with my parents in law and we only pay about 500 for rent. But if we could afford to rent or buy we would be completely fucked and probably struggle to even eat. |
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I have to watch every penny and it's exhausting. I've been a single parent for seven years, and it's a cumulative effect.
What's also exhausting is hearing others so casually ignorant of the fact that other people aren't always comfortable financially. I'm sick of being asked at work where I'm going on holiday (err nowhere, i can't afford passports for the three of us let alone an actual trip!).
I saw a comment on the forum here about sti testing and someone said if you can't afford £50 - £80 for sti test then you shouldn't be going to clubs cos you spend at least that going out to one after outfits, hair, nails, makeup etc. Hilarious!!! I don't spend any of those costs, just my £12 entry, and if it went up much more I'd have to stop going.
I know (hope) that going without all time is only medium term temporary. What I wish was fixed sooner was all the short sighted attitudes and opinions. |
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Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work. |
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"Legit, I can pay my rent, bills, food shop... But that's it "
My credit score is appalling. I had a mortgage of £8,000 back in 1975. Apart from the first rung on the ladder (5 years), I have bought all subsequent properties with cash. I have never had a loan since. Not for property purchase, upgrades, cars etc. I have never had a credit card or overdraft. So, I hardly exist. I am not rich. I am not poor. I live within my means and I sleep at night. My cars are never less than ten years old. |
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"I have to watch every penny and it's exhausting. I've been a single parent for seven years, and it's a cumulative effect.
What's also exhausting is hearing others so casually ignorant of the fact that other people aren't always comfortable financially. I'm sick of being asked at work where I'm going on holiday (err nowhere, i can't afford passports for the three of us let alone an actual trip!).
I saw a comment on the forum here about sti testing and someone said if you can't afford £50 - £80 for sti test then you shouldn't be going to clubs cos you spend at least that going out to one after outfits, hair, nails, makeup etc. Hilarious!!! I don't spend any of those costs, just my £12 entry, and if it went up much more I'd have to stop going.
I know (hope) that going without all time is only medium term temporary. What I wish was fixed sooner was all the short sighted attitudes and opinions. "
Sorry my post may have of been offensive! |
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By (user no longer on site) 31 weeks ago
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work. "
Sorry to hear this man. I was in a similar situation about 10/12 years ago. The majority of my income was going on rent and bills and it just sucked the enjoyment out of life. It’s considerably worse now.
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work.
Sorry to hear this man. I was in a similar situation about 10/12 years ago. The majority of my income was going on rent and bills and it just sucked the enjoyment out of life. It’s considerably worse now.
"
Cheers dude. I’m tryna find the fun where I can. Mostly on 2 wheels. It’s pretty cheap to pedal up hills hahah |
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Poor not so much, I get by but I can feel the squeeze, bills are paid, food is in my belly but that's as far as it goes unfortunately..
I'm always on the look out to make cash and hustle. Does anyone else have side hustles?
I'm a chef, tattooist, cleaner, gardener. I have several interests online to try and help generate income too. Its a tough one, especially when you're on your own with responsibilities. Totally get it ???? |
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We pay our bills, able to pay some of our debts and working towards paying the remaining ones, we can afford a nice holiday once a year and the odd meal out, I wouldn't say we are well off but we manage, we are in a much better position than we was a year ago x |
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work.
Sorry to hear this man. I was in a similar situation about 10/12 years ago. The majority of my income was going on rent and bills and it just sucked the enjoyment out of life. It’s considerably worse now.
Cheers dude. I’m tryna find the fun where I can. Mostly on 2 wheels. It’s pretty cheap to pedal up hills hahah "
We used to find a lot to amuse ourselves with on the cheap/free, when we were city centre dwellers (back in the day). It's not easy though, not at all  |
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I’m not rich, but that’s ok because the divorce lawyer needed that second Ferrari.
I’m sometimes jealous of others who have a newer car or that go on expensive holidays, but I try and make sure that time with people I care about is enjoyable, and often that doesn’t need to be expensive. A good job too, because daily life is insanely expensive here. |
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work. "
Moving out of the city was a big step in helping me turn my financial situation around. There is no way I would even consider living back in a large city now due to costs. |
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I wouldn't class myself as poor but after divorce, paying bills, rent, mortgage, csa etc I'd say I was no where near wealthy.
I got in dept, to keep head a float at start having to start from the beginning again. Needed furniture, kids stuff etc.
Happy in in a house now mortgage free and rent free. After 4 years I'm just getting back on my feet and this year is first time taking kids on a proper holiday instead of camping on a field for a few days here and there. |
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work.
Sorry to hear this man. I was in a similar situation about 10/12 years ago. The majority of my income was going on rent and bills and it just sucked the enjoyment out of life. It’s considerably worse now.
Cheers dude. I’m tryna find the fun where I can. Mostly on 2 wheels. It’s pretty cheap to pedal up hills hahah
We used to find a lot to amuse ourselves with on the cheap/free, when we were city centre dwellers (back in the day). It's not easy though, not at all "
It’s really flippin rough at the minute. I’m exploring all my options :/ |
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work.
Moving out of the city was a big step in helping me turn my financial situation around. There is no way I would even consider living back in a large city now due to costs."
Might have to become one of those commuter people |
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work.
Moving out of the city was a big step in helping me turn my financial situation around. There is no way I would even consider living back in a large city now due to costs.
Might have to become one of those commuter people "
Commuting can make it just as expensive though, the cost of monthly public transport tickets isn't cheap either. You do have your carbon fibre unicycle, I s'pose  |
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By (user no longer on site) 31 weeks ago
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We both combined earn a bit over minimum wage and live a quite luxurious lifestyle animals 3 kids, football 4 days a week ect but pretty much live week to week with mr working some evenings and weekends on the side for treats ect, but havent been on holiday abroad for 7 year now and cant justify the costs to take the kids |
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By (user no longer on site) 31 weeks ago
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Growing up we had zero money, bailiffs always at the door, mum didn't eat, so we could, hand me down clothes from neighbours, council housing, free school meals,we sometimes had sugar sandwiches for tea. Never ate in a cafe, had a snack /meal outside of the house that hadn't been made by my mum at home - in fact i was probably in my 40s before i got used to having a coffee /sandwich out somewhere.
I vowed to pull myself out of that kind of poverty and am very careful with my money as a result. I'll pay off my mortgage this year and am planning to retire in maybe 4 years, so I'd say I'm comfortably well off and have savings in the bank... But that's because I don't have an extravagant lifestyle i guess |
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By (user no longer on site) 31 weeks ago
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Comfortable not mega inszne rich that I can go out and splash the cash on a 300k car and not bat a eye lid
But not poor that I am living month to month bill to bill
I have a anuff that I can pick and choose when to work but that’s not to say I don’t need to all the time
On the other end off things I know what it’s like to be poor and when I say poor I mean completely flat broke
Drowning in debt with no home showing and sleeping in the works toilets or public private toilet that was £1 to access and tie the door shut so it couldn’t open when the time was up
Eating greggs unwanted food ie if you go in just as closeing time they will sell you what’s left on the self at a deep discount
No family to turn to
Eventually lost my job and was completely homeless
If it wasn’t for friends take me in i wouldn’t be here right now
Took me years to gain the family I lost back after take someone’s side that i shouldn’t have as she showed how much she cared later when she left and took everything |
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"Yep. Cost of living and parasites squeezing more rent out of me has left me with hardly any disposable income.
Considering moving out the of the city altogether. Not worth it if I can’t see any rewards for my work.
Moving out of the city was a big step in helping me turn my financial situation around. There is no way I would even consider living back in a large city now due to costs.
Might have to become one of those commuter people
Commuting can make it just as expensive though, the cost of monthly public transport tickets isn't cheap either. You do have your carbon fibre unicycle, I s'pose "
There’s defo days when I can’t pedal my way hahaha.
Might have to be a house share person in pedalling distance. |
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Some heart breaking tales on here
In comparison to many I consider us rich. That is helped by us not having extravagant tastes and no housing costs.
We have been lucky with timings TBH I worked 60+ hours a week for nearly 15 years, one heart attack and a near nervous breakdown later I 'retired' at 54. Took all the lump sums from pensions and ended our mortgage. Once the roof over our head was secure ... that was when I started to feel 'rich'.
Don't get me wrong. We are not at the level where we can just go out and buy a new car or even own a 'luxary' 2nd hand car but ...we don't want to so that is moot point. We only check bank accounts once a month, we run 3 cars (all old, 40, 30 and 10 year olds), and 4-5 weeks of foreign holidays a year.
I draw a private pension and work 15-20 hours a week doing an easy, varied and enjoyable job.
Cath has been self employed for 8 years or so in a trade she enjoys and works when she wants and only takes on jobs she wants to.
We have the time, security, flexibility and finances that we need (rather than want) More money would always be welcome but we don't 'need' it.
So, yes, I consider us 'rich'.
For those that are struggling, all I can say is that, in our experience, it WILL get better. |
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Not poor but not rich either.
We’re comfortable but can’t afford to be frivolous..
this last 12 months we had wedding then honeymoon which stretched us and then needed a new boiler out of the blue.
Rest of the year will be tight and we’ve sacrificed our holiday.
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Yes.
I live from pay day to pay day. and I'm always skint the week before pay day.
Luckily I shop pretty savvy and fill the freezer and cupboard with stuff to see me through that last week.
I rarely spend money on myself and days out with my daughter are mostly places that don't require a lot of money. We'll take a picnic with us or find somewhere that's good value for money.
I am out of work at the minute but I believe I'd be in the same financial situation if I was in work. But I'd be lucky to spend 3 hours a day with my daughter  I'd rather struggle on until she starts school.  |
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By *oozleMan 31 weeks ago
high wycombe |
I don’t consider myself poor, but then I don’t tend to have expensive taste in things, I don’t buy things as a status symbol, as long as they do what is needed and are reliable that takes precedence for me.
Thankfully I have enough to pay my bills and save up for the future. |
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Possibly yes.
We rent, we don't own our home. Our car is 10 years old. We don't have a wardrobe full of expensive designer brands.
Having said that, everything we do own is ours - we don't have anything on finance/buy now pay later or max out credit cards trying to live a champagne lifestyle on a lemonade budget. We know what we've got and we're happy with that. Not going to go crazy just to keep up appearances on insta. |
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I used to be when with a partner who didn't work.
I used to be for years after when she left leaving loads of debts for me.
I'm not anymore but I have a better position in my job, no more debts, except mortgage, and I'm careful with my money. |
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By *laudshaenCouple 31 weeks ago
between sligo and leitrim |
Not enough people recognise or see the value in having fuk all and wanting for nothing! If you want for nothing, you'll always have everything you want..... people are made unhappy, not from what they have or don't have, but by what they want or don't want.... |
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As a kid we where OK. We never went without anything although all our clothes where homemade. We went on a caravan holiday once a year and ate well.
As an adult I've been destitute with absolutely nothing. Then I managed to get out that stage.
I was a single mum and had to count every penny but always saved up to take my son on holiday once a year(in this country).
Now I'm a little better off because of my past I'm good with money. I don't buy things I don't need. I have netflix but no other subscription services. I don't go out much.
I've a bit saved and emergency money like my tumble dryer broke last month I paid for a new one out my emergency.
My biggest expenditure is my son and grandkids but I take great enjoyment out of that. |
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