this post was submitted on 27 Apr 2025
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A Boring Dystopia
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If you're living paycheck to paycheck, it takes one unexpected expense and suddenly you're hustling to get food on the table. The cycle then repeats itself.
I've been there. It's expensive to be poor with little to no way out.
You need a car to work. Cars are expensive. You get a old clunker.
You work and live check to check. Maybe $50 or $100 left over after taxes and expenses. Not really possible to have an emergency fund.
A single injury or car breaking down and you need to borrow money. From family, friends or some shitty company.
Oh and then your yearly raise comes around at $1/hr that barely covers your rent increasing let alone inflation.
Whoops some bill auto-drafted unexpectedly
Your account is negative now, oh and throw a $25 fee on top.
Looks like you're scrounging for dinner tonight. And the rest of the week. Maybe skip some meals because you have no choice.
Shit sucks ass.
Once I bounced a check to our water company and they refused to take checks or credit cards from me for a YEAR as a punishment. It was a one-time accident after paying on time for around seven years. I literally had to drive my ass down there with cash. It's a small rural water service, not a big corporation - they chose to be complete assholes even after I explained the situation (we had a baby that month and forgot a monthly $ transfer in the chaos).
Same mistake probably cost us $120 in overdraft fees. Society financially punishes people who need money the most and rewards the people who have plenty. It's ridiculous.
I once had my electricity bill bounce, and they forced me to pay a deposit of $250. So the amount I owed went from $100 to $350. Plus a late fee. And they never return the deposit until I had paid on time for 2 years.
That was a bad time.