posted on Jul, 15 2009 @ 10:53 PM
No offense to the original poster, or anyone else for that matter, as this is not to be directed at anyone (just a general ranting) but...
My wife and I get a kick when we watch the news, and we see people complain about how they are only bringing in $90,000 a year now, oh how will
Move to NE Wisconsin for a while... or Upper Michigan. Between my VA comp, my wife's child support, and both of our incomes, we barely get over
$35,000 a year. She's salary, and I work in the armed security field. We have had several major employers shut down in the past five years... I
myself have been a victim of three plant closings and two restructurings.
Our household is below the supposed poverty level, but we somehow find ways to get by.
We bought a nice house a couple years back that we could afford. Nothing extravagant, nothing fancy. Both of our vehicles aren't new, were not
purchased new. Anything we could put on a charge card we pay cash for... or we will do our best to make double payments.
The only thing we have that is state funded is our insurance, which is mainly for our two boys anyway (if your work insurance does NOT cover 75% of
costs, you are eligible)... if I could drop myself from that program, I would, as I can go to the VA.
About our bills...
1. In the summer, our electric is around $200; in winter, it goes up an extra $150 or so (and that's with using the Sun Heat heaters, which work
rather well, I might add)... and every couple months, WPS raises something. We are on the budget payment plan, were paying $320 a month, put was
just raised to $390 a month. What the heck is that? WPS is the main reason why I'm looking into personal use wind turbines.
2. Our phone bill is about $120 a month, but includes internet and Dish Network. Once our current month is payed off, I'm planning on getting the
wireless internet system from Cellcom, saves around $30... and if things ever get tight, drop Dish and save another $45. My wife and I have cell
phones at $70 a month, which we can drop as well... no big lose there.
3. House payment? With my VA comp at 30%, it's covered, no worries. Car payments? None... paid for with tax returns, I fix my own.
4. Food shopping... the local store, Witt's Piggly Wiggly, sucks chunks for pricing. I go to an ALDI's 30 miles away; dollar for dollar, I'll
come back with 3x the amount of food. Garden is being planted next year, a small green house for herbs and medicinals might follow.
5. Let's not forget house and auto insurance. Can't remove or reduce those.
What's the point in all this? My wife and I started WITHOUT. We never sought loans, never borrowed from family or friends. Anything we did, we did
on our own. Anything we gained was just material... we did without it before, and we can do so again.
The downfall of the economy won't affect us, or people like us. Why? We've been there. We are there. The people who are going to be hurt the
worst are those who have no idea how to make cuts or adjustments... the same people who buy outside their means, who never once took into
consideration what might happen if one lost a job, if the monthly income was cut in half (or more).
I'm not trying to be insulting, really I'm not... it's just sad and funny at the same time. In the county that I live in, there are more fancy
five bedroom houses with three car attached garage for sale than basic ranch style homes. The Lower Class aren't going to suffer one bit, because
nothing will change for us. We'll come out ahead because we have things we can get rid of.
Now, for a bit of support for those who feel that the financial noose is tightening around their necks...
You know what? I'm sorry, but I can't think of anything. Buying big houses, brand new over-sized SUVs, name brand clothing for your children,
(hell, buying anything name brand and "in" for kids is plain stupid), the newest Ipods or blackberries or technologies in general... that will hit
you eventually. Even if the economy didn't turn for the worse, what would have happened if you or your spouse (or significant other) got into an
accident or died? What if your place of business relocated? Just because it is there now, and everything is fine now, doesn't mean it'll be the
No, I don't feel sorry for the people who cry out "I'm only making $90,000 a year now".
Again, this is not directed to anyone, just a general ranting.