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It's expensive to be poor


I expected all the comments to be "you deserved it, you shithead," but only the first one was like that. The rest of the first page of comments were pretty sympathetic. I didn't continue past the first page.

ETA: Warning for rape jokes

ETA2: The gist of the 5 things:

5. You Get Charged for Using Your Own Money
(you need a banking account to function, and banks charge fees, especially if you overdraw your account, and it's easy to overdraw your account because you never know when charges are going to be taken out)

4. There is an Industry That Profits by Keeping You Poor
(you might have no choice but to use a payday loan business, which charges usurious interest rates)

3. No Credit Can be Just as Damaging as Bad Credit
(if you have no credit record, you are at risk of being turned down for rental housing, you might need to put down deposits for utilities, you might pay higher interest rates on auto loans or be turned down for auto loans)

2. Your Next Expensive Disaster is Always Around the Corner
(it's hard to save money because "bad shit happens like clockwork. Not because God hates you, but because you're poor and you're using cheap shit that breaks.")

1. You're Always in Survival Mode
(service jobs pay badly and don't offer benefits. it's difficult to make ends meet when you work service jobs)

This entry was originally posted at http://firecat.dreamwidth.org/725176.html, where there are comments.


( 7 comments — Leave a comment )
Jun. 6th, 2011 07:40 pm (UTC)
Having had to miss my not-quite-4-year-old niece's dance recital this past weekend because we couldn't afford the $5 tickets, I think I need to not read this right now.
Jun. 6th, 2011 10:31 pm (UTC)
Jun. 6th, 2011 10:32 pm (UTC)
Jun. 6th, 2011 07:49 pm (UTC)
I have a friend who has become very close since DWH died and watching his life has been a real eye-opener for me for exactly the five reasons above.
Jun. 7th, 2011 11:59 pm (UTC)
Thank you for including the summary. The original, while compelling, is decidedly not worksafe due to language.
Jun. 13th, 2011 12:27 am (UTC)
There were a few more stupid comments, but not bad considering.

(And the piece doesn't even get into the non-disaster corrollaries to #2)
Jun. 18th, 2011 10:33 pm (UTC)
I experienced a tiny bit of that when I was unemployed. The default way to get your payments in Illinois is via a debit card. You get charged a fee for checking the balance on the thing, and have to jump through hoops to establish direct deposit to your checking account instead.

I had to drag in my State Representative to get direct deposit, and I wrote angry letters to the governor and attorney general.

Barbara Ehrenreich talks a lot about this in Nickel and Dimed. Poor folks pay a lot more renting "cheap" hotel rooms instead of apartments because they can't afford a down payment. (And down payments are higher because they don't have credit, and so on.)
( 7 comments — Leave a comment )

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