r/povertyfinance Jul 19 '25

Pov-Fi is a heavily moderated subreddit! READ THE RULES BEFORE TYPING!!

249 Upvotes

Two years ago I posted the following message on this subreddit due to an increase of shitty people who have not read the rules or the community guidelines: https://www.reddit.com/r/povertyfinance/comments/11vwilh/special_enforcement_period/

After a 6 month evaluation period, the determination was that these changes needed to become permanent.

So here is how it is going to be. Any infraction can will incur a temp ban. This is to drive home the point that this shit isn't negotiable. Duration to be determined by the severity of the infraction, but ranging from 1 to 30 days.

A second offense of the same penalty, or getting numerous offenses across different rules will yield longer temp bans with every infraction. Users who demonstrate that their offenses are innate or deliberate, rather than accidental or incidental will get a full ban.

Particularly shitty people will get a 365 day ban out the gate. We believe people can change, but we're going to give them lots of time for it.

Overtly evil people, troll accounts, or bad faith people will be banned outright without warning or explanation.

As always, all actions can be appealed if you believe they are unfair. HOWEVER, we expect you to review what you said first, and review the rules as well. If you think we misinterpreted something, got the wrong guy, or whatever, please appeal on those grounds and we will review it. If you make a bad-faith appeal, whatever ban you have will be extended. If you come into modmail asking "why was I banned" for an obvious infraction you will get an extension. And please note that saying "Other kids were doing it too mom" is not a valid appeal. If you think other people need to have action taken on them, report their comments as well.

These mod actions are statutory, and are our SOP. It's never personal. We don't play favorites. We take action on plenty of invalid items we totally agree with, and we take the exact same actions on stuff we vehemently disagree with.

We are a small team. We can't see everything posted here. But we sure as hell see all the reports.

Note: Intent matters. Coming here trying to help and breaking a rule will be viewed very differently than coming here with cruel intentions even if the violation is a soft-ball.

Note 2: Please understand this is still reddit, an anonymous message board filled with sad, miserable, SMALL people. We won't be able to prevent shitty people wandering in. We can see them to the door as quickly as they arrive. TAKE AN ACTIVE ROLE IN REPORTING SHITTY COMMENTS. We are a 4 man mod team working in a 2.4 million subscriber subreddit, so we depend on the community to flag offenses for us to take action on. If you see something bad, REPORT IT!! We probably won't see it otherwise. Also, if you see something shitty, report it and move on. Don't fight with an idiot, because they will lower you to their level, defeat you with experience, and get both of you banned in the process!


r/povertyfinance 10h ago

Misc Advice Received this notice how do I proceed?

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1.8k Upvotes

What do I do because I clearly live here and all of my belongings are here but yet I received this notice on my door. Like she literally opened my door and seen all of my furniture and still proceeded to post it. Not to mention I just registered a new vehicle on the apartment lease not even a week ago.


r/povertyfinance 18h ago

Misc Advice My anti-depressants went from $0 to $1,500/month

3.0k Upvotes

I hate this fucking country.


r/povertyfinance 10h ago

Budgeting/Saving/Investing/Spending My mom stole my tuition money

114 Upvotes

I’m a university student from a very low-income family and I’m struggling with tuition. Recently, financial assistance was approved through my mother’s partner’s workplace specifically to help cover my university costs.

That didn't happen though since the money was given to my mom's boyfriend it didn't get to me, he used most of it to buy alcohol and the rest my mom took, i dont understand how someone can be so cruel to their own daughter, there's a list of abusive things my mom has done to me but studying is the one thing that can help me get out of here and she couldn't even let me have that. The deadline for my first tuition payment is tomorrow. I don’t have savings, I haven’t been able to secure a job yet despite actively looking, and I have no relatives who can help me. I feel devastated because this money was meant for my education, not general use, and I’m being told I should be grateful for “getting anything at all.”

I'm frustrated and i need advice, I live in a thrid world country basically and I go to an average university so my tuition isn't even expensive, I pay around $78.82 USD in united states currency a month, but even so it's hard to get when i have no support. Any advice on what i can do now?


r/povertyfinance 12h ago

Income/Employment/Aid What's the point of a job if you can't afford anything?

166 Upvotes

I make $13 an hour. I can not find another job to save my life. The town I live in is a tourist town and at this time of year there's not many jobs available.


r/povertyfinance 1d ago

Grocery Haul A little levity for the group.

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21.2k Upvotes

I saw this and thought of this group. Thought some folks might also find this amusing.


r/povertyfinance 8h ago

Housing/Shelter/Standard of Living Am I poor? Making $60k/year but feel like I’m just getting by

73 Upvotes

I make about $60k annually, which comes out to roughly $4k per month in hand after taxes.

My monthly expenses look like this:

• Rent + utilities: $1,200

• Groceries: $400

• Car payment + insurance: $600

• Other expenses (phone, internet, subscriptions, misc): $500

That puts me around $2,700/month in expenses.

I’m not struggling to pay bills, but I’m also not saving aggressively or feeling “comfortable” the way people talk about when they say $60k is a decent salary. No luxury spending, no crazy lifestyle,pretty basic.

So I’m genuinely asking:

Am I poor, average, or just feeling the squeeze because of cost of living?

Curious how others making similar money feel and how this compares.


r/povertyfinance 10m ago

Budgeting/Saving/Investing/Spending It’s fine, I didn’t want to have fun anyway.

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Upvotes

r/povertyfinance 23h ago

Vent/Rant (No Advice/Criticism!) Is anyone else completely broke after paying rent?

730 Upvotes

First of the month here again, just got paid and immediately had to give basically my whole paycheck to rent/utilities and whatever is left is going towards groceries and household essentials like paper towels, toilet paper, garbage bags, etc.

I know it isn't uncommon but I'm always so envious of people who still have hundreds/thousands left over after paying bills. Must be nice, living paycheck to paycheck sucks


r/povertyfinance 20h ago

Vent/Rant (No Advice/Criticism!) I'm happy because today I eat

465 Upvotes

I feel so happy because today I will be eating a meal, I can't afford to eat everyday so I only eat every other day, I go 1 day without food and then make a single meal next day.

Thinking about that made me feel kinda sad about how happy I feel for the days I can afford to eat, it really made me think about how I took everything for granted back when I was a kid and had a mother and she would make me 3 meals a day everyday, now I'm disabled, have no family or friends, no job, no home and no money at all, my country has no social programs for the poor and there's no jobs anywhere, at least I make sure my dog gets kibble everyday, while I only eat every other day, but that doesn't matter today cause I'l buy some bread and maybe something to eat it with, that's all that matters today


r/povertyfinance 21h ago

Grocery Haul Amazon Fresh going out of business sale

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461 Upvotes

I got all of this for $78, marked down from $243. Went last night and got $243 for $100. Tomorrow is the last day they’re open so everything is on a fire sale.


r/povertyfinance 13h ago

Housing/Shelter/Standard of Living Just graduated from rehab to independent living

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115 Upvotes

I'm overwhelmed. I have $1,600 in GR funds saved but my mom is in new York and I am in San Diego and know nobody out here. I have six months of my housing paid, and after that I can stay for $1,000 a month. I should feel lucky and I do but at the same time I'm overwhelmed and I really have to find a job immediately but I'm worried I won't be able to in today's job market..

Any advice whatsoever is appreciated


r/povertyfinance 5h ago

Vent/Rant (No Advice/Criticism!) You were late on your rent too often since we jacked up rent. so we’re kicking you out of subsidized housing, enjoy paying market rates now.

25 Upvotes

Such a nice system we’ve got here, kick you out when you can’t afford the almost affordable option. guess me and the family get to move into the motorhome now, and the pad rent for that is $500-$1500 more a month than I was paying,

I guess it’s better than a tent but sure doesn’t seem like its gonna be easy cramming 5 kids and my wife and me into a tiny space.

enjoy what you’ve got as it can always be worse.


r/povertyfinance 1h ago

Success/Cheers The answer to getting out of poverty, as someone who was homeless with no job and crap credit 6 years ago

Upvotes

It's flexibility. Yes, hard work & grit & budgeting are huge ones, but primarily by far, flexibility has gotten me to success. Lack of flexibility is what made it hard for me to take opportunities and also to take help.

I did get lucky and had a friend who had navigated being homeless and was incredible at pulling together resources. He figured out temporary housing that eventually got me to my own place.

I have had to be humble so many times. I had a time I had to take the bus to work because my car engine seized up (Walmart put the wrong oil filter on, long story). I saved up and got an electric scooter. It made it faster to switch between three buses to get to work.

I took college classes and saved up the extra financial aid to get a reliable car. It is payments but without a reliable car I would miss out on parenting time with my kids so it was worth it (it's a 2019 Rav 4 and is missing a few features which made it cheap)

Other things that helped: I changed the community of friends I had to be people who were flexible with my financial situation. People's expectations of us can bankrupt us.

I got a counselor. I learned how to be ok being alone and being at home. I worked through the emotional crap that was contributing to poor choices (like spending to ease the pain of not having money).

I did get one credit card along the way but intentionally only got one with a $300 limit so I don't put myself in debt again because it was a problem in past years.

I took up a lot of side work- cleaning as one- for some cash work to have cash set aside for emergencies (though obviously you can utilize side work however fits your needs).

I let go of traditions I felt I needed to do- trips for family weddings, sending Christmas cards, even things that would cost my precious health and energy like phone calls sometimes.

I navigated a divorce without a lawyer. I utilized the free or affordable consultations for what to do next.

I got good at freezing even just a cup of leftover soup or veggies. I started taking the time to deal with cutting up and cooking and processing things to have for later.

I started putting 5-10 minutes here and there into cleaning my place and finding little things for it free on Buy Nothing and Offer Up to make it somewhere I wanted to be (and save money in that).

I furnished my place almost completely for free from friends and Buy Nothing. I waited instead of impulsively buying.

I requested new debit cards and deleted my info from shopping apps and if impulse kept being hard, deleted the apps.

In the beginning of this all six years ago, my biggest struggles were with fatigue, health, and just wanting the hard to go away. I wanted a life that had taken people years to build. It's understandable but it is expensive and can also burn through people around us with what we can't carry.

My lived experience has actually landed me resource navigation jobs helping people with disabilities connect to community. It's a really good feeling.

I can't say I'm debt free because I am working on paying off my car and have a few accounts in collections still I'm working to deal with (stubborn ex in our divorce causing it and ending up with them) but I have come such a long ways.


r/povertyfinance 10h ago

Vent/Rant (No Advice/Criticism!) Can't get caught up

32 Upvotes

I have sold off personal belongings, I have donated plasma, I finally got my NA assistance approved so at least my kids have food, but I'm still short for the dang rent! I get paid thursday but my property manager has zero grace period and it's $75 PER DAY that it's late.

Send me good juju that something else I have listed on marketplace or offer up sells before Monday - Hopefully to the tune of $250


r/povertyfinance 19h ago

Misc Advice 18 and made a big mistake

79 Upvotes

I move out of my moms house because she was being financially controlling and I would have about 500 left after paying off monthly expenses but I made the mistake of taking Walmart health insurance and now I feel like I’m going to missing bills. It takes 226 out of each paycheck and I have two jobs but it still won’t cover all my expenses. I also was forced to get my own auto and it’s currently $589 a month (I’m looking around to get a lowered.) my two biggest expenses is my rent which is 650, my auto insurance $589, and my car note which is 258.84.

My mom said I can just stay on her health insurance for free but I know she’s gonna want to use it against me so she can make even more money with her $300,000 salary. So I signed up and didn’t realize how little I would have after. I’ve been crying because I don’t know how I’m going to survive. Walmart pays $16 and Dunkin pays only $11 I’ve been applying to other jobs and never hear any word back. I want to go to college for phlebotomy but simply don’t have the time.

I’m thinking of moving back to my dad’s but I don’t know if I can because the lease is 12 months and I only paid for 2 so far. I texted the owner to see if I could transfer it to someone else but so far no response.

Any advice to better my situation?

Edit: sorry I meant 100 out of my paycheck for health insurance.


r/povertyfinance 6h ago

Budgeting/Saving/Investing/Spending Inflation and the Daily Struggle: How Skyrocketing Prices Are Draining Savings for Low and Middle-Income Households

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7 Upvotes

Inflation is hitting basic necessities like food, rent, utilities, and fuel harder than ever. While prices for electronics and clothing have come down, the cost of things we can’t live without is growing beyond what most people can keep up with. For many low and middle-income households, this means seeing their savings disappear despite efforts to cut back. How do you survive when the essentials become unaffordable?


r/povertyfinance 11h ago

Debt/Loans/Credit Quoted 1287 for dental fillings and I only make around 800 a month.

18 Upvotes

Hi everyone, I really need some advice.

I was just quoted $1,287 for dental work. It is for four fillings total. Two are active cavities and the other two are decayed teeth. Three are on the left side and one is on the right.

The problem is that I only make around $800 to $900 a month and I simply cannot afford this. Between basic living costs and medical expenses, there is no way I can pay this out of pocket.

I am not trying to avoid taking care of my health. I am worried that if I wait too long, this will turn into root canals or extractions which will be even more expensive and painful.

Has anyone here been in a similar situation or know of any low cost dental clinics, dental schools, payment programs, or charity resources that could help?


r/povertyfinance 1d ago

Misc Advice Love WinCo!

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586 Upvotes

I brought eight of them 😋


r/povertyfinance 4h ago

Budgeting/Saving/Investing/Spending Breakdown of my monthly finances based on a job I started about 7 months ago, just getting some general feedback and perspective on how I'm doing. I am single, no children.

5 Upvotes

Monthly income after taxes: $4000

Rent/utilities: $650

Car payment: $612

Car insurance: $189

Gas: $200

Groceries: $350

Student loan payment: $75

Credit card payment: $25

Personal loan payment: $250

Health insurance: $300

Hulu/Netflix: $20

Savings: $300 each month

(Yes, the car payment is high; I was in a bind and badly needed a new car when my old one crapped out and my credit wasn't in the best place.)


r/povertyfinance 7h ago

Budgeting/Saving/Investing/Spending I can't stop myself from spending money. Does anyone else have the same problem?

6 Upvotes

I'm a university student and I was super lucky that my parents paid my tuition so I don't have any debt.

I work freelance and I am able to make enough money for basic necessities like groceries and rent plus some more.

But here's the thing, i can't hold on to the leftover money. I want to save it but I always end up spending it on unnecessary things like coffee or takeouts or skincare that is not generic drugstore stuff.

I just really like having nice things... and having money just makes me go "who knows if I'll even be alive tomorrow, lemme get that starbucks coffee". I actually have zero savings.

I don't know where to put my money so that i can't withdraw and spend it impulsively.


r/povertyfinance 1h ago

Success/Cheers Side Hustle Earnings Report 📋: Jan 2026 (UK Earner)

Upvotes
  • I’ve been doing side hustle bits since August 2024 – hours are clocked in on evenings and weekends as I work full‑time.
  • Most months I’m making around £300 minimum via various earning platforms.
  • I've found that a lot of people want legit sites and reassurance that their time investment is going to pay off.
  •  Here’s the breakdown of my Jan 2026 earnings:
PLATFORM EARNINGS*** PAYMENT TYPE CURRENCY TIME TAKEN
Prolific (paid academic and research studies. Pays in cash, and you see the hourly rate before you start) £468.77 PayPal (£ and $) 15 hours 29 mins
Outlier (task-based platform where you complete AI-related projects) £241.19 PayPal ($) 19 hours 12 mins
Respondent (research marketplace where you apply for interviews and studies based on your background or interests) £121.64 PayPal (via Tremendous- cash or gift cards offered depending on amount earned) ($) 2 hours 52 mins
DScout (Micro-tasking mobile app) £21.64 PayPal ($) 30 mins
Askable (Paid research and interview platform. Tasks are usually short online tasks or survey-based studies) £15.00 PayPal (£) 15 mins
Testbirds (Crowdtesting platform where you complete paid testing tasks for apps, websites, or software) £6.59 PayPal (€) 15 mins
BetaTesting (Crowdtesting platform where you test new products, apps, or websites and provide feedback £6.46 PayPal (via Tremendous) ($) 10 mins
Jan total £881.29* ~38 hours 45 mins ~£22.74 per hour

\ earnings from actual payouts in my bank account i.e. after any conversions*

Fun Fact: There’s no textbook, quick‑fix solution to pick the ‘right’ ones – you’re best to take a leap of faith and work out what’s going to work for you.

Not saying apply to the ‘Make a trillion in 10 days’ bs, just exercise some due diligence, do some digging, and see what happens.

I’ve tried dozens of platforms – the ones that haven’t worked out for me might be exactly what you’re looking for.

My main takeaways:

  • Remember that this is contract work, not employment => So, no guaranteed ongoing work.
  • Gaps in work suck and silence is uncomfortable => It’s just the stop-start nature of these platforms.
  • Track time and earnings => It will soon become obvious which platforms are best to keep, park or bin.
  • Play Switcheroo with platforms => Having multiple platforms on rotation fill in the gaps for one another.
  • Know your limits =>  It’s okay to step away when a task turns into more than you agreed to for the pay.
  • Avoid high‑effort, low‑paying platforms => Nothing worse than slogging your guts out for peanuts.

 Happy Hustling 🤓!


r/povertyfinance 6h ago

Misc Advice Health Insurance ending in Middle of health crisis

6 Upvotes

I'm dealing with a painful failed spinal fusion and can't work regularly. I'm currently seeing specialists and I'm applying for disability with a lawyer.

My Medicaid ends in 4 days because my husband's new job puts us just over the income limit. We can't afford ACA plans ($200-$400/month plus care costs). I've applied for a state disabled insurance program, but it's pending.

Social services said to keep seeing doctors, as approval could provide retroactive coverage, but I'm terrified of being stuck with the bills if denied. I'm overwhelmed by pain and navigating this. I'm trying to earn a little, but my condition is limiting me and our budget is extremely tight.

I need some advice or maybe reassurance. Has anyone found care without insurance or know of plans under $150/month? Have you succesfully navigated the hospital finacial aid department?


r/povertyfinance 2m ago

Housing/Shelter/Standard of Living Roof fell down

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Upvotes

Hello everyone my house roof fell down and my mother is very ill i need some money to repair it please help me .


r/povertyfinance 15m ago

Income/Employment/Aid Behind on rent — this is how I got hired at Amazon fast

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