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Too Much Bread...

Darkkin

Well-Known Member
V.I.P Member
I need to figure out how to pay for a new pair of tires...One has a slow leak and I just pulled this out of the passenger tire on my driver's side. Gah!

I already cook once per week, use up my leftovers, pack my lunch, ration my medications, buy cereal on sale, milk from Kwik Trip, and seldom travel further than 10 miles from home. Walking the dog serves as a form of entertainment, and I'm currently rereading my way through my library. I keep dog food in the freezer in case of an emergency...and still it isn't enough.

I work five, sometimes six days a week, never ask for time off, and seldom call in sick. Yet I cannot afford something as simple as a new pair of tires.

Society would tell me I am not working hard enough, that I am too extravagant with my spending ($7.50 on chicken for a week's worth of meals at the grocery store. Less than a $1.50 per serving.)

When they talk of the invisible population, we're standing right next to you. Friends, family...we are struggling, but we don't say anything because if we ask for help, it indicates we have failed at life because who can't pay for something as common as a pair of tires? Me. At least I can't if I want to pay my rent and keep my health insurance that is pretty critical to my continued existence on this planet.

This is what paycheck to paycheck looks like. It is a prepaid cellphone bought on clearance, it is a five year old tablet and no computer. It is rent and insurance always paid on time and seeing how far one can stretch a can of tuna or box of macaroni and cheese.

As Bilbo once observed, 'I feel thin, stretched...like butter scraped over too much bread.' Except you can't afford bread, let alone butter.

20221111_122410.jpg
 
Look up community nonprofits in your area for food boxes, rental assistance, utility assistance, free clothes, etc.

In my area you can go to 211info.org, or dial 211. You should try to see if your area has a 211 service. Wouldn't hurt to just dial the number to find out.
 
As far as things like food, clothes, and utilities go I can get by on what I have for a significant period of time, thusly I don't want to divert resources from those in acute need.

Because I am single, full cognizant, and capable of working 40 hours a week, (technically speaking I'm not supposed to work more than 30 hours because of the stress it puts in my compromised cardiac system, but I cannot live on 30 hours a week), I don't qualify for any assistance programs.
 
My friend in LA just broke down last nite about this very subject. She said l work and work and l feel l am still struggling to pay all my bills and put something aside. It's created a lot of stress in her life for her. I know her apartment is ridiculous but now the rents where l live are the same price. Food is ridiculously high there and so on.

Maybe go online and look for remote online work? There are customer service opportunities where you just client calls. Good luck with this.
 
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My rent is not horrendous, but my health insurance is a monthly ouch, eating up a good chunk of my income, but I need the coverage. Upwards of $35,000 in invasive procedure costs if I didn't have it. (In this case, the removal of two vegetative growths on two different heart valves.)
 
If it's a slow leak, it could be a damaged valve and those are easy to replace and not expensive. The easiest way to test it is to dip your finger in water with soap in it, rub your finger on the top of the valve and see if a bubble forms. Spit also works but it sounds more disgusting so I'm going with soap. There is also something called liquid tire sealant, that is cheap and easy to use. But I don't know if it's the right thing for your situation.
 
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I am reminded of my undergrad days when I'd visit the grocery store during closing hour since that's when the $6 rotisserie chicken (as it was then), if there were any left, would get a half price sticker slapped on, and how I often liked visiting various campus events for the free food (and sometimes other stuff).

***

Since writing is an area you excel at, and you have experience with academia, some ideas for freelance online work might include:

1. Reviewing/proofing/critiquing essays
2. Tutoring

I've known a grad student who did okay with reviewing undergrad papers (he was registered with an agency where they took a cut, but it made things easy since the agency would send him work), and I've also known someone who was a online language tutor for overseas students, and made enough from it that it was his "day job."

***

If you have a good credit score, something you may wish to consider is signing up for credit cards with attractive welcome bonuses. (note: I am not affiliated with or have an interest in any of the below products)

Looking at the first link below, the Chase Freedom Flex Visa is a no-fee cash-back card that offers a welcome bonus of $200 if you spend $500 on it within three months of opening, in addition to at least 1% in general, making it an excellent all-around card for day-to-day purchases.

And looking at the second link, there's several other financial institutions with similar offerings.

The challenge is that some credit cards have minimum income requirements, and that opening too many credit cards in a short period of time will result in adverse impacts to one's credit score, so I would advise against opening more than 2 or 3 cards in a given year.

https://www.cnbc.com/select/best-credit-card-sign-up-bonuses/
https://www.forbes.com/advisor/credit-cards/best/cash-back/
 
I was surprised to find out that you can have a tire place patch your tires for 25 dollars, though that may have gone up.
 
I am reminded of my undergrad days when I'd visit the grocery store during closing hour since that's when the $6 rotisserie chicken (as it was then), if there were any left, would get a half price sticker slapped on, and how I often liked visiting various campus events for the free food (and sometimes other stuff).

***

Since writing is an area you excel at, and you have experience with academia, some ideas for freelance online work might include:

1. Reviewing/proofing/critiquing essays
2. Tutoring

I've known a grad student who did okay with reviewing undergrad papers (he was registered with an agency where they took a cut, but it made things easy since the agency would send him work), and I've also known someone who was a online language tutor for overseas students, and made enough from it that it was his "day job."

***

If you have a good credit score, something you may wish to consider is signing up for credit cards with attractive welcome bonuses. (note: I am not affiliated with or have an interest in any of the below products)

Looking at the first link below, the Chase Freedom Flex Visa is a no-fee cash-back card that offers a welcome bonus of $200 if you spend $500 on it within three months of opening, in addition to at least 1% in general, making it an excellent all-around card for day-to-day purchases.

And looking at the second link, there's several other financial institutions with similar offerings.

The challenge is that some credit cards have minimum income requirements, and that opening too many credit cards in a short period of time will result in adverse impacts to one's credit score, so I would advise against opening more than 2 or 3 cards in a given year.

https://www.cnbc.com/select/best-credit-card-sign-up-bonuses/
https://www.forbes.com/advisor/credit-cards/best/cash-back/
Great advice here.

Some cards will give you zero interest for 6 months. But you should cancel the card after you pay it off. I have one card l need to wipe out. But l am proud to say, l wiped out a huge credit card debit, eating ramen alot. And my used car finally is paid off. But l lived frugally. I have been a little irresponsible but it has been a tough 5 years where every cent l made was to pay off something. I now have determined that working and taxes isn't worth the gas, car wear, and mental challenge for me. So that was discontinued. But l live with people who tell me to work. Excuse you, bottom feeders don't make enough to show up. That's the new economy now. I look at the blue collar workers and try to be polite because their take home pay is being decimated by inflation.

Another option? Is protein powder. My favorite offers 89 servings for 90 dollars. It's 18 grams of protein, zero sugar, 5 mg of iron, 2 grams of fat called SunWarrior Protein Blend made from pea powder and organic hemp seed, and gogi berry. It has a almost 2 year shelf life. This is a good savings for me as the store prices are getting higher and higher.
 
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I should clarify that I'm an advocate of using credit cards for the rewards, but only as long as one is paying off the balance each month, since the interest rates are usually rather punitive. If emergency monies are needed, a line of credit, if you have or can get one, is usually much more reasonable.
 
Ouch! I hear ya! I have been working with community organizations and am cognisant of the United Way ALICE Studies (Asset Limited, Income Constrained, Employed) aka, the working poor, invisibles. In my county, this is a full 30% of households! It makes me feel horrible towards my country. This is deliberate and systemic. Healthcare is worse, where The good ole USA spends the most on any nation for third-world outcomes. I have been agitating for single payer, Medicare for all, for decades
 
Part of the point here, I think, is that many people, not just Darkkin, work full time, live frugally and can’t get their basic needs met.

(Gerald just posted as I was writing this, so I don’t have to repeat what he said.)

I have been pleasantly surprised at how cheap it is to get a plug put in a tire. If your tires are otherwise in good condition, getting a plug put in would be a good fix.

If your tires are not in good shape, ie., the treads are worn, you might as well get new tires. I realize that doesn’t solve the problem.
Some of the other suggestions might.
 
Are you sure you don't qualify for any other assistance? There are a lot of programs out there, some not well known. Can you look into switching to a job with medical benefits. Are there less expensive health plans available? Is federal healthcare an option. Does your condition trigger qualifying for assistance? You have already probably thought thru all this but it may help to get an advisors advice, something like what Yeshuasdottir suggested.
 
I need to figure out how to pay for a new pair of tires...One has a slow leak and I just pulled this out of the passenger tire on my driver's side. Gah!

I already cook once per week, use up my leftovers, pack my lunch, ration my medications, buy cereal on sale, milk from Kwik Trip, and seldom travel further than 10 miles from home. Walking the dog serves as a form of entertainment, and I'm currently rereading my way through my library. I keep dog food in the freezer in case of an emergency...and still it isn't enough.

I work five, sometimes six days a week, never ask for time off, and seldom call in sick. Yet I cannot afford something as simple as a new pair of tires.

Society would tell me I am not working hard enough, that I am too extravagant with my spending ($7.50 on chicken for a week's worth of meals at the grocery store. Less than a $1.50 per serving.)

When they talk of the invisible population, we're standing right next to you. Friends, family...we are struggling, but we don't say anything because if we ask for help, it indicates we have failed at life because who can't pay for something as common as a pair of tires? Me. At least I can't if I want to pay my rent and keep my health insurance that is pretty critical to my continued existence on this planet.

This is what paycheck to paycheck looks like. It is a prepaid cellphone bought on clearance, it is a five year old tablet and no computer. It is rent and insurance always paid on time and seeing how far one can stretch a can of tuna or box of macaroni and cheese.

As Bilbo once observed, 'I feel thin, stretched...like butter scraped over too much bread.' Except you can't afford bread, let alone butter.

View attachment 88696
Foodbank! tell them how much you're eating, if you need other help,many people in the uk and usa eat from foodbanks and just pay for utlities,taxes.
Bizarrely:nomouth: a company in England provided a foodbank for its employees but didn't increase their earnings
 
Update:

My mom drove down this morning and we got the tire situation squared away. (I am one of the lucky ones, who has always had a great mom in my corner.) A full new set (4 tires), and this needed to happen because the current tires I have were definitely not going to get me through another winter.

It will be a couple of days before the tires come in and can be installed, and my current ones will muddle through until then. (Add air as needed...).

This situation also made me assess a few things like the fact that is okay to honestly say you are not okay. I've never actually been able to say that until now. And setting down that particular mask was something I needed to do for a very long time.

I was so afraid of being viewed as a failure or a disappointment because I couldn't meet a pretty routine challenge simply because I wasn't doing enough. I was honest with my Mom about this fact, that I was worried I had disappointed her, but I didn't. There was no judgment, no resentment. Just my mom and it was one of those moments that really reminds you of how truly good people can be, whether they are family, friends, or members of one's (RL or online) community.

Such folks are a privilege to know and not everyone is lucky enough to encounter such people. Just let me say that you folks here on this forum are among those who are a privilege to know and interact with.

Compassion, kindness, wisdom, and a wealth of resources flowed into this thread and its impact has been huge. You folks matter, you make a difference, and knowing you are here makes the world a brighter place.

Thank you for all you do.

- D.
 
Well, I missed the chance to offer you support before you had this productive day, but I am here to celebrate your successful day. This is so great that you were able to trust your mom and to have that feeling of being a failure start to melt away.

Of course, in your original post, I saw the exact opposite of failure – someone who is tackling an impossible problem with logic, determination, honesty, and a beautiful way of articulating.

All the dogs will be howling with happiness for Darkkin tonight because of a good day. Today, perhaps you are the hero and the day is yours.
 
I was so afraid of being viewed as a failure or a disappointment because I couldn't meet a pretty routine challenge simply because I wasn't doing enough. I was honest with my Mom about this fact, that I was worried I had disappointed her, but I didn't. There was no judgment, no resentment. Just my mom and it was one of those moments that really reminds you of how truly good people can be,
When I was first out on my own, I did not know how to accomplish a lot, some very common difficulties. I was, and am, fortunate to have family and friends who are supportive. As I heal, I am amazed by the good people caring for me.
 
I have never had to buy new tires. I get them at wrecking yards or used tire dealers very cheap. Just look for obvious problems like cuts, tread squiggles, flat spots, or bulges. Replacing the works inside a tire valve is really easy - you just need a common two-prong tool, sometimes found on a valve cap, and a replacement, which can be salvaged. Nail holes are also easy enough to plug with a rubberized cord you stick in the hole with a tool included in the kit. I use a round file to clean and size the hole. It works on most small punctures.
I had always dreaded having a front tire blow, and it happened to me on the highway last year when the valve stem somehow broke. There was no drama at all. I just pulled over and changed it. To change a valve stem without removing the tire and needing to re-balance it is not easy or tool-free, but it can be done. See YouTube.
 
P.S. - at the wreckers, you can get a whole wheel with the tire, which saves on mounting and balancing. Just make sure to get the same bolt pattern by number and diameter, the same tire size, and the same rim offset. I made a stick that can check the wheel specs at a glance.
 

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