I saw a thing on TikTok that they felt we are living in “The Silent Depression” and i havent been able to get it out of my head since I saw it . 😢😢 Silent because we are all feeling it but no one’s talking about it.
I feel like it’s because we live in a very superficial society and there are people who don’t want to admit theyre going broke….they just bury their heads in the sand, pay, and continue to try to “keep up with the Jones’”…..
Now a year later - we aren’t making it. Choose food or meds. Rent is high. Energy has doubled. I’m 68 and have to go back to work. Finding work as a senior is quite challenging.
I found a 20 dollar bill a while ago. It was just lying there on the ground; it’s been a long time since that has happened to me but I said thank you and went on my way!
😢 I feel bad for the person who lost it. I have had this happen, but I have always turned it in. I don't want my "good luck" to be because of someone else's bad luck.
It’s times like this that I’m thankful for being almost debt free. Just my car left (besides the house) and we are on track to pay it off by the end of the year. Sometimes we can’t put as much in savings as we would like due to the rising cost of food and everything else but am grateful that’s our biggest problem. I feel bad for those struggling to keep their four walls right now.
For sure! I’m cutting back on the extra savings stuff, but all our needs are covered and I’m really grateful to be debt free. When I got my catch up utility bill I knew I could pull from savings to pay it but I also know a lot of people can’t do that and it’s another struggle to add to everything else. 😥
Omg I feel you we are debt-free other than our mortgage.. and still not saving nearly as much as we would like to.. and our electric bill just went up another $40 and it just keeps going up and our food bill just keep going up.. gas prices keep going up I don't understand how we can keep this up
I don’t really feel inflation at all. I think a big part of the reason for that is because I have stuck with the principal to never go into debt, and rather pay for everything upfront with my own money. Cash is king. And pay ahead if you can for a good deal, such as with insurance, just pay the full 6 months at once, and I’m a relatively new driver so car insurance is significantly more expensive for me than most adults. When you do these things you just have less monthly bills to worry about, lots of peace of mind, and it’s almost always mathematically cheaper in the long run. I’m also not obsessed with homeownership like everyone else is, there’s nothing wrong with renting for as long as you need to, even for buying a home cash is still king. When you factor in interest, property taxes, insurance, etc. you save little to nothing by signing a mortgage rather renting and saving to buy a home with cash. While renting you can always hunt for the best deals, I stay in a three bedroom house by myself, imagine if I had someone to split the rent and other bills with, that would make it that much easier. And I’m just a warehouse worker making less than $20 per hour in Durham, North Carolina. So you guys have it better than me in a lot of ways, at least you should. I just spent a ton of money I shouldn’t have on a long vacation across the country, I kinda regret it, but that was just a fraction of my savings so I’ll be alright. As for groceries, I haven’t noticed any significant price changes there either, except in restaurants, maybe it’s because I eat a special diet, mainly carbs and no animal products. If this is a real problem then you guys could change your diets a little to help your budgets, maybe not stop eating meat completely but eat less, don’t make it the center of the meal but rather just a side or a topping. I myself could change some things to save on groceries, and I would if I needed to, such as I would buy dry beans rather than the canned stuff I buy now, and I too should eat out less often. Anyways, yeah not depending on debt helps a lot,and overall just be smarter with your money.
I’m in Canada 🇨🇦, and it’s the same everywhere.. it’s so overwhelming over the last few years. 😢 I have to say your video was *exactly* what i needed to hear today.. thank-you for being so open & honest! ❤ I’ve had to pull a couple grand out of our savings (which isn’t that high to begin with!) for things we needed and I feel so guilty that I haven’t been able to replace of of that. I’m working long hours, wearing myself out and we’re just making it… it’s depressing & so stressful. 😣 I’m going to follow suit and for now simply aim to stay “stable” and be grateful if we’re able to do that. God bless!
I totally understand this! Pulling from savings can feel bad but I keep reminding myself that it’s there for that exact reason! We save when we can when things are good so we can maintain during times like this. Stability and gratitude are definitely good goals! Canada housing and rent prices blow my mind whenever I see anything about your housing markets. It definitely feels like it’s hard everywhere these days!
Saaaaame! Last year we felt like we were doing so well and this year it feels like every month is a struggle. The big goals I set for us last year just don’t feel possible right now.
I really appreciate you talking about this in an honest way. I've decided to put off buying a house for now because of the high interest rates, low inventory, and crazy prices. Despite how much I've saved for a down payment, it's just not realistic right now. I've decided that I'm just going to continue trying my best with the things I can control, so that when the opportunity comes I'll be ready. Small progress is still progress.
I was just talking about this in therapy this week. Groceries are through the roof. I finally hit 6 figures and while it does sound like a lot and I guess technically it is, 6 figures isn't 6 figuring like it used to 🤦♀️
Right? It really hurts to finally make so much money yet realize it’s not hitting the way it used to. Did your therapist share any wisdom? I probably will bring this up with my therapist soon honestly!
This video was one of my favorites. So relatable. I have been really leaning into gratitude lately, and I often reflect to to when we were dirt poor about a decade ago. The fact that I’m able to help others now, gives me a lot of peace with the economic downfall. Im just so grateful that I’m in a place where I can be “mediocre” because that’s better than when I was paycheck to paycheck. My heart goes to everyone who are barely staying afloat.
I love that! Gratitude is really helpful. I am in such a better place than I was years ago and so lucky and grateful for it. I am accepting always striving for bigger/better isn’t necessary or possible at times. I also worry about everyone staying afloat or in debt or with fixed incomes. The comments I get sometimes really do worry me for people when it’s so bleak.
As a single truck driver, it's pretty easy. Live in the truck, no bills, no debt, save money, and take frequent breaks (1-2 weeks) overseas or abroad. There's a solution to this screwery.
The funny thing this is not a USA problem. Its a global issue. Im paying 5x more for Tomatos. Inflation has hit lots of things but food and gas hits the hardest. But thank you Mary, some of the things you said really hit a sensitive corner. I deleted Facebook not because of envy, i wish my friends n co workers well but being 25 now whenever i used to open facbook, every one is either getting married or promoted or making babies and even though im saving a decent chunk of my paycheck, i still think im far behind on my goals and travel seems so easy to others. For my mental peace ive stopped comparing and looking.
Remember lots of your peers lifestyles are being funded at least in part by their parents. 25 is a hard age Keep going, simplify, be true to yourself, and smell the roses along the way.
Before pandemic my bills came to £850, they’re now at £1200 that is a lot of money to lose out on. I’m also unwell at the moment therefore can’t shop at in person supermarkets like aldi, and now having to pay the high prices of those which can deliver. It’s all so insane.
One thing I feel blessed about is that my grandmother taught me a lot about how to cook creatively from scratch. Pasta, dumpings and bread, yogurt, nut milks and other things. I bought myself a Dash Mini which takes little hydro and can make so much in it as well without turning on a stove. It takes more time to cook my meals but since I'm spending less going out, cooking something new has become part of my own entertainment and having potluck meals with friends is fun too. I also discovered food savings apps like FlashFood, TooGoodToGo and produce clearout carts where I cook what I pick up on the same day. I started taking up hobbies more like puzzles, going on hikes, camping. it's been a lifestyle change but I am enjoying it. One thing I'd recommend is learn how to enjoy all things beans. There is so much variety and dried beans are extraordinarily low cost and don't have to be boring. Instead of having a grocery list you stick to, go for what is on sale/loss leader and build your menu around it.
As long as I can save a $1. I feel blessed. We all are doing our very best. I am happy to see the eggs now cost lower. My daughter likes her eggs sometimes lol.
Thank you for letting the rest of us feel like we are not alone in this struggle. It does help to know we all wish each other better days ahead and that other people understand the hardship we are struggling with. You can feel the love and caring coming through in these comments. I will say a special prayer for all of us watching this video if that is OK. It can not hurt to try. May all of us someday have easier days ahead.
I was just talking to my husband about this earlier today. It’s not easy but we need to trust the process. We all need to make adjustments and try to remain sane. We make descent money but our expenses keep getting out of control and everything is going up in price except salaries 😫
I'm very low income and I often do feel like a failure my job isn't given raises and I haven't had one in 3 years. I am currently looking for flexible part time work to supplement income but I feel the weight of the world. Some months I can barely save and at my age feel like I should be so far from where I am. I needed to hear it's ok.
You’re definitely not the only one that hasn’t gotten a raise. I hope the part time work helps. I wish it wasn’t necessary. I’m proud of you for doing so much.
It's definitely not fair to not get a raise for 3 years. If possible look for a new job the current one doesn't deserve you. I'm sure you are doing the best you can with what you have. I wish you luck with finding a job.
This is such a breath of fresh air! I say all the time that we shouldn’t be struggling as much as we are with the money that we bring. I guess I shouldn’t say struggling because I know a lot of people have it so much worse, but I would have thought we’d be thriving and debt free by now 😫 like you said, hopefully it is just a season and won’t last forever. Thanks for sharing! ❤
We have had to stop being gazelle intense on our debt journey to recover from a couple of unexpected expenses and I am ok with it. We continue to pay the minimum payments but at the same time we are reinforcing or sinking funds and doing our best to survive and adapt to this new cost of living. I know we will pay off all the debt at some point, but for now this is not the no1 priority anymore and that is ok ❤
I keep asking my wife this, I am a financial analyst and she is an accountant and while we are not rich we do alright but we just saw a house sell for 850k down the road, they have two new cars and it’s just like how?! Must be inheritance or something because the costs are just mind boggling
We have been debt free, except for our mortgage with only a couple years left, so that has saved us going through the last year and going forward. We have had to eat out less or not at all to allow enough to pay for groceries, and we go to the food shelf once a month too. Ive gotten a part time job that starts next week to help, as well, despite having retired early last year. We are VERY cognitive about turning out the lights when we leave a room, doing laundry and running the dishwasher before bed rather than during the day. I do all of my shopping in one trip per week if possible and we are staying home more or choosing free or cheap fun things over fun things that cost money. I coupon for all of our household, personal, paper, cleaning and laundry supplies, so we pay little to nothing for them, when we combine them with store loyalty programs and rebate apps. We use 4 apps that give rebates on shopping and one is for gas rebates. All of them pay out either to paypal and/or for gift cards. Every penny helps, and it adds up quick. This is our "fun" and "walking" money for the month. It takes time and organization but affords us a cheap date or two a month and money for Christmas gifts.
A lot of wisdom and encouragement in your video. I’m 53 and the memories of the energy crisis and the Carter years I observed, even as a child are still imprinted on me. I am grateful to remember my Dad being laid off and all the “side hustles” my parents had to keep us afloat. Dad mowed and did oil changes for neighbors, mom cooked for others and sewed/mended clothes for people. I remember Beans and rice before Dave Ramsey made it cool. Thankful I also remember when those times passed and things got better. I learned lessons that I carry with me today. I offer encouragement to my adult children that this economic situation/bubble will collapse eventually. Study enough history and it’s all cyclical. Loved your words that these circumstances don’t define us! No one is a loser or a failure because of this. It CAN refine us and teach us a few things about ourselves and our habits. We can take the opportunity to pause, learn and change once the crisis passes. Thanks for all you shared. ❤
Yessss! I was a history major and even just in my own adult life I’ve seen how cyclical things are. Now is not the best period but we went through good periods with amazing opportunities previously. I believe they will come again. Thank you for your comment and wisdom!
Some great points, I'm 64 and I remember the Carter years well with high inflation. Say what you want about Reagan as President, but he did bring us out of that economic crisis. We are in a very similar situation now in my humble opinion having a socialist/communist ideology in charge of our government. For some reason young people support Socialism and it has been tried throughout modern history and never works!! It only brings misery and tyranny to the people. Venezuela is a good case study! The US is heading in that direction! Vote wisely this November!
Companies say supply chain issues, rising wages and expensive fuel have forced them to push prices up at the fastest rate in decades. But a lot of these same companies are reporting record profits, and that has many wondering if corporate greed is actually the driving force behind inflation right now.
But some of these things like fuel prices are self inflicted. We don’t need to be paying 4$ a gallon. When we are energy independent like during the Trump administration the prices can be cut in half. We need to produce our own energy again stop depending on other countries.
If only workers collectively push their asking price up at the fastest rate in decades. Seriously, if we keep accepting stagnant wages, nothing will change, We need to make employers desperate for workers if we are to reverse the reality of workers being desperate for low-paying jobs.
Ty sooo much for caring enough to make this video. Unfortunately, we’re stuck for some time now with No ending in sight to this inflation crisis. The powers that be have a plan for us and it’s not good. This is only the beginning. Your positive attitude resonates with me.. Thank you again for your display of compassion..God Bless❤
Everything is expensive, I've had to back up a little bit on some of my investing goals. I think one nice thing is, if we hadn't been focused on improving our finances up until now, things could be so much worse (if we still had to pay the debts we paid off or didn't have sinking funds or emergency funds)
My family is struggling since we bought a house a couple years ago. Just a humble old manufactured home but it’s insanely expensive to make the payments. The awful thing is our family of four would probably be paying almost just as much to just rent a 3 bedroom 2 bath house. Groceries, gas, utilities, and insurance on top of it makes me feel like I’m drowning. We never ever buy Starbucks or fast food or clothing or go on vacation so I’m not even sure what else I can cut to make things better. I’ve been making extreme budget meals and we do have Netflix which might have to go eventually. Our money troubles have been the top cause of every fight I’ve had with my husband. It’s hard to get along when things are so tight. Sometimes it keeps me up at night with anxiety. It’s actually nice to hear you talk about this because it makes me see I’m not the only one.
Pay check to pay check for me rn. I make $24 an hour at the age of 21. When I was a kid, I thought this would set me up for success but yet I’m literally just BARLEY surviving.
Going into my second year at university. I absolutely feel you. I chose environmental science as my major because I hope to do conservation or similar work post graduation, but the future has been looking more and more bleak to be honest. You're not alone.
I'm worried about the same things for my daughter who is in 9th. But the same thing happened to me when I prayed about it. God reminded me that many things that are important to us now, won't even matter anymore.
I’m active duty military living in San Diego, CA. Rent is impossible alone and you are financially forced to have a roommate. It’s terrible! Choosing to go without something so you can put gas in the car to go to work is something that’s real for a lot of military here! Sad!
I work from 3:45 pm - 1:00 am at the GM plant then I work from 4:00 am - 8:00 am at UPS Monday-Saturday. Sundays I do Lyft for 8-9 hours. I thought I was going to catch a break and then I get hit with a $1000 car maintenance bill. Life is getting really too difficult.
I was just having a conversation about this with a friend last night. It's exhausting and expensive just to even exist! If I can get some debt paid off by the end of the year, at least that is some progress.
I think we need to look at how bad it is for other countries outside the US. Things maybe getting tight, but it's still okay. Other countries where inflation is now over 100%, is absolutely ridiculous. So grateful I have been on top of my finances these last few years and remained living below my means as saving for a house deposit. As cost of living as a single person has sure gone up in London, I just cut out the unnecessary spending on clutter and stick to my end goal.
Be careful to buy into the lie that things are worse in other countries. For an American, your money would go much further in other countries if you moved there!
This is nothing new. It has been happening since the dawn of time. This is why families used to all live together, to save money on bills and have more hands to help with cooking, kids and raising gardens and animals. The #1 easiest way to reduce amount spent on groceries is to make a garden. This can be done even if you live in an apartment or dorm room.
This is one of my fav videos. I like what you said about "maintaining" during these harder times - the important thing is NOT to go backwards and fall back into debt. Lots of folks are right at "maxing out" their various credit lines and will be in a really bad place. 😢 I am so thankful to be 100% debt free. I do still have to save up and pay my homeowners insurance and city/county property taxes and have had less for retirement savings due to variable income. My mentality is STILL every dollar saved counts!
Sometimes listening to Dave Ramsey can make you feel irresponsible and bad about yourself when you are trying so hard. Do not let these type of shows make you feel like a loser
yep, kids and house have been postponed. im working extra hours as much as possible, becoming known as the OT girl at work. and even after moving away from our ideal city to live in, we're still not able to afford a basic house in an outskirt town of a city we dont even like (45+ min commute to work). tbh, ive given up and we're stashing cash so we can be in a better spot next year (and the years forward). we're focusing on leveling up our careers and have given up on stability and are applying to positions literally anywhere for a higher income ceiling (which will probably require us living separately temporarily and moving cities or states). what you spoke about taking it personally, i totally do. but giving up stability is the only thing we've found that helps us cope and just push us to be moving forward. thanks for this video, wishing you and your family the best! 🙏🙏🙏
Being flexible is where your careers take you should help a lot… I hope something comes through soon for you! I can’t remember what city you’re in now but it’s tough in most of the major cities. It’s super hard not to take it personally but you’re doing a lot of the right things. I’m proud of you!
Truth is I am ashamed of it. But I can't even afford food anymore. Literally skip every meal. No more working on opening a small business. No credit, no resources. At this point it can all burn or not. I have no dog in the fight anymore.
I’m so sorry to hear this! Have you checked out food pantries near you? My city has several ongoing ones and they are there for times like this! Don’t be ashamed to use resources that exist when things are hard!
I went to Jewel Osco here in Illinois in which is a major grocery store and I sw a non store brand pack of eggs for 8.25 for a dozen of eggs. that is insane and I am kinda old school but I am a Millennial generation and it is getting very challenging to keep up with basic things.
It’s never going to change, the next gen are too concerned about social media and shallow crap. Meanwhile corporations and governments are wringing out every last drop from us. Don’t expect change, it’ll never come, this is the new normal.
Speaking as a college-age person in the US, we do care. I know plenty of people who care, and are willing to (and do!) organize. Some of us are quiet but not all of us. There is so little we can do though. It feels so completely overwhelming to be coming of age in a late-stage capitalist society. Despite it, I have to hope things will change. I don't think it's naive to be hopeful.
Even after I bought a house back in 2013, I never really felt like I owned it. I sold it and moved back in with my mom. Life is so much easier. Not alone anymore.
Inflation along with price gouging is being super disrespectful right now. I’ve have to increase my baseline budget and adjust my savings goal accordingly. It’s sucks because it’s like even if you do the right things, the finish line gets pushed farther. Persistence along with knowing when and how to pivot is essential right now for sure.
I’m 18 years old and I’m living in a 1 bedroom apartment with my mom, dad, and my older brother and sister, and we don’t have enough money to move out in a better home and I feel like I have to give up on the dream of having my own private and personal space, and going deeper in some of my hobbies that require some space :/ there is barely any space in this apartment to get more stuff I like
I often go on my knees to Jesus Christ of Nazareth and tell him everything that im going through financially and I ask God for supernatural favors and miracles and God always provides and even though im sometimes scared i try to listen to God when he says Do Not Worry - “Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than these things. We are living in a Corrupt satanic system. Cry out to Jesus day and night for Mercy 🙏 God bless you love
I'm so saddened to see the mess we are all in now from the over the top unnecessary covid lockdowns and restrictions. These economic problems affect everything from being able to buy healthy fresh food, paying for medical, working too much, bad or insecure housing, debt, declining mental health problems from poverty etc All the covid measures achieved nothing in the end, the virus certainly never got eliminated!
This is honestly so hard it makes me want to cry sometimes bc idk how I’m gonna keep going. This is the most money I’ve ever made, I have a cheap car, a cheap house, and I am still paycheck to paycheck. It’s so frustrating.
I am without job and the jobs that getting back to me are recruiters with jobs offers that don't pay enough and getting food stamp but still not😊 enough as food price are constantly going up.
Loved the video Mary. I just made a video talking about inflation (& the rising cost of car issues) is causing us to cut back on investing. Understanding the economy and listening closely to Jerome Powell made me realize we need to focus on saving more so we can maintain our current state of life. With more rising rates coming, things will hurt a bit more for Americans but like you said...adjusting our expectations is a great step in the right direction though it may not feel like it! Like in football, offence (investing) and defense (saving/paying off debt) combined with great coaching (us😊) is what WINS THE GAME!! We can get through this together with open dialog so we know we arent alone. Everyone is feeling touched by inflation! Sry for the long comment but I am a chatty lady! 😂 17:00
Ohhh yes I need to go watch that! Sounds like we are having similar thoughts… I’d rather cut back on the bigger goals like our house plans than cut our current lifestyle, which is not extravagant but is more expensive now than it was before with rising inflation costs. Loved this comment and I’m adding your video to my watch list now!
@@PenniesNotPerfection Yep! I just had to replace the alternator on our van for $1,489!!! That's absolutely insane 😳. Price rose almost 30% in 2 years. Inflation is horrible.
Wow that’s crazy! We were worried my last car issue would require a new alternator but luckily it didn’t. But it still cost hundreds to fix on our own last month. It’s all just so much!
I'm sorry it's not a cycle - the US is bankrupt. The US government has printed so much currency without adequate production on the other end that now there is a national debt of more than 33 Trillion USD. Per inhabitant - if you believe the official numbers - that's almost 100 Million USD in debt per person. Not counting private household debt or liabilities like social security. How long do you think that they can continue with this game. And do you think your USD will be worth something by the time you want to retire? Also other countries are playing the same game simultaneously. Devaluating their currencies. But in some countries they are used to living simple lives and not really having enough money - like Italy. In Italy for example take out coffee has never even been a thing. In the US it's going to be hard for people to give up the lifestyles they were used to from decades before. In my opinion the future is that we need to do everything ourselves again. Because we will not be able to afford to pay someone else to do things for us. Anything . Only upper class will be able to get take out coffee for example. I think we have no choice but to buckle down for a bumpy road ahead.
This is one tip i tell my kids to help live mindful. When shopping think...do i want it or do i need it. Of course once in while u can spoil yourself but make wise choices too.
I am single and 61. I am grateful that I am able to live on my own but I do get a bit frustrated when going to the supermarket. I find myself shopping a 3-4 different stores. You don’t always get a break on cost when you buy less. Most of the time it’s much more. Many blessings to everyone and I feel your advice is good. Take some pressure off of ourselves. When we do that, times start feeling a bit better because we get inspired 💕
Cost of living is effecting everyone seniors can't hardly eat ,family are struggling harder than ever before .you have got to be strong putting god first in your struggle to servive.God bless.
Every third month wife and i drive to the big city 2 hours away and really stock up on supplies. For a saturday the parking lots of places like target and walmart were fairly empty, but every grocery store was packed with people. I remember when wife and i started out 20 some years ago she bagged groceries and she always came home depressed and dumbfounded. Depressed because she was bagging all this food she wished we could buy, we barely had any food then, and dumbfounded by amount of the country club crowd that paid with food stamps and driving $60k plus automobiles
I am in a somewhat similar situation. My husband is out of the country taking care of his mom with her medical issues which will require surgery and recovery time. And I am here paying all the bills for the household on my own and will be for the forseeable future. So to stay within budget, I am eating what we have and not going to the grocery. I will do this until every crumb is gone or he comes home, whichever comes first.
Most of the things people say are necessary, most certainly are not. I look at the grocery carts of the people around me, and it's ridiculous. People are just overspending, and want far too much.
We are not surviving I've been spending savings the last almost 3 years . I'm working 65 plus hours a week and feel like im throwing my life away because i can't even enjoy nothing. Can't even buy my first house next year and I'm 45 . I will never be able to retire. Just tired of it .
We need to vote wisely. There is no denying that under Trump we were much better off. Gas was 2.20$ a gallon no inflation because we were energy independent.
HOW To Survive: 1. Family members who have great career pay for expenses of broke family member 2. Apply for free $6,400/Month stimulus package 3. Try to hold down a part time job that has crappy pay. 4. Prep to save money to buy raw land and place tiny shed home on it that is self sufficient 5. Live in car ( nomadic homeless) or be street homeless and rely on food pantries and Government agencies to keep you alive.
23 here. I work 43 hours/week as a sales professional and 20 hours part time at a grocery store while living with my parents. My only hope is to try to save up until I can begin to enjoy life as it doesn’t make sense to move out or try to make friends if I’m just gonna end up working 60 hour weeks anyway to pay the bills.
Somewhat feeling the squeeze. I’m focused on paying off debt right now and thankfully I haven’t had any issues paying my bills every month. Because of the increase in costs, I’ve had to cut back on certain splurges: No more ClassPass, no more random movie nights, impromptu dinners, etc. “Fun” is a little more planned and thought through.
That’s only because they are able to deduct the biggest stressor which is affording living. Just knowing that you can afford anything you want really diminishes the need.
I'm 30, working myself sick 70+ hours a week, but I'm still unable to afford kids and a home... so I guess I'm just "lazy and entitled" according to older peoples' standards 🙄
Currently, I know my son & I are living with my mother because of her heart condition. My sister also still lives at home. Currently, we just work together the best we can to tackle each project one at a time all while trying to fix up my mothers home to sell it when the time is right to get into a bigger house in the country. My first step is trying to get each of my cards that I used during school paid off, so that there is less to worry about. But definitely between normal bills, groceries, house repairs, car repairs, etc...there isnt much wiggle room for anything extra. We are trying to downsize and cut back on a bunch and I am trying to supplement where we can to help with daily costs. Just have to try to stay optimistic.🙏🏻
Great video! And your handling this so well! The grocery giants understand that everyone needs to eat, so they encourage consuming less processed and manufactured foods. Making small changes like reducing impulse buying can lead to significant savings. Personally, I've adjusted my diet to include more staple foods and steamed veggies, consuming smaller portions overall. In addition to cutting processed foods and driving slower, deferring maintenance and selling personal belongings can help save money. However, there's still a basic human requirement for survival that must be met. While costs are rising, especially in Vancouver and Toronto, the situation isn't as dire in Alberta. Regarding taxes, it's frustrating that they're deducted before we even receive our income (for basic necessities like food), making it difficult to cover basic necessities. Corporate greed exacerbates the problem, with some companies making huge profits while laying off employees. It feels like hardworking individuals striving for a better life are being left behind, and there's little we can do to counteract this trend. Question is: You've mentioned the solutiosn really realy well, being able to absorb financial damage. THe real perpetraitors are the corporations. Where did that statement come from: "you will own nothing and be happy....."
American culture often places the blame on individuals for their economic status and conditions, failing to recognize the underlying structural and systemic factors at play. This tendency to attribute financial struggles solely to personal failures overlooks larger issues such as income inequality, stagnant wages, and systemic barriers to economic mobility. Politicians and those in positions of power may benefit from perpetuating this narrative, as it serves to maintain the status quo and prevent critical examination of societal inequalities. By keeping the masses focused on individual responsibility, power structures remain intact, and the influence of the marginalized is diminished. This perpetuation of blame on the individual serves to obscure the larger systemic issues at play, effectively keeping the masses "stuck" in a cycle of economic hardship. It's a mechanism that stifles critical thinking and perpetuates the existing power dynamics, ultimately benefiting those in positions of authority while further marginalizing the most vulnerable members of society.
From the transcript, several systemic issues contributing to the financial struggles experienced by individuals can be identified: 1. **Inflation Outpacing Wage Growth**: The speaker notes that prices for essential goods such as groceries and gas are increasing rapidly while wages remain stagnant. This highlights a systemic issue where inflation is outpacing income growth, making it increasingly difficult for individuals to afford basic necessities despite working more or earning higher salaries. 2. **Housing Affordability Crisis**: The speaker mentions the challenges of buying a house due to soaring housing prices and high interest rates. This reflects a systemic issue of housing unaffordability, exacerbated by factors such as speculative real estate practices, insufficient housing supply, and limited access to affordable housing options, particularly in urban areas. 3. **Income Inequality**: Despite making more money, the speaker acknowledges ongoing financial struggles, indicating a disconnect between income levels and financial security. This points to a systemic issue of income inequality, where a significant portion of wealth is concentrated among a small percentage of the population, leaving many others struggling to make ends meet despite working hard. 4. **Limited Economic Mobility**: The speaker discusses the need to prioritize stability over aggressive wealth-building goals, suggesting that economic mobility is limited during this period. This suggests a systemic issue where upward mobility is hindered by structural barriers such as unequal access to education, limited job opportunities, and systemic discrimination based on factors such as race, gender, and socioeconomic status. 5. **Corporate Greed and Market Forces**: The speaker acknowledges the role of corporate greed in driving up prices and exacerbating financial challenges. This points to systemic issues within capitalist economies, where profit motives often prioritize shareholder returns over the well-being of workers and consumers, leading to price inflation and income disparities. Overall, the transcript highlights systemic issues such as inflation, housing unaffordability, income inequality, limited economic mobility, and corporate greed as key factors contributing to the financial struggles faced by individuals. Addressing these systemic issues requires structural reforms aimed at promoting equitable economic growth, improving access to affordable housing and education, and ensuring fair wages and working conditions for all.
The speaker expresses a sense of resignation about the current economic situation, acknowledging that certain goals, such as buying a house or aggressively saving for the future, may not be feasible at the moment. However, while they may feel constrained by the existing economic circumstances, there are several reasons why they, or anyone else in a similar position, might believe that the situation could change in the future: 1. **Economic Cycles**: Economic conditions are cyclical, with periods of expansion followed by contraction. While the speaker may be experiencing financial difficulties during a downturn, they may anticipate that economic conditions will eventually improve as the economy enters a new phase of growth. 2. **Policy Changes**: Changes in government policies, such as fiscal stimulus measures, monetary policy adjustments, or regulatory reforms, can have significant impacts on economic conditions. The speaker may believe that future policy interventions could help alleviate the current economic challenges and create opportunities for financial improvement. 3. **Technological Advances**: Technological innovation and advancements can drive economic growth and create new opportunities for prosperity. The speaker may anticipate that future technological developments could lead to job creation, increased productivity, and improved living standards, ultimately enabling them to achieve their financial goals. 4. **Personal and Professional Growth**: The speaker may believe that with continued personal and professional development, they can enhance their skills, increase their earning potential, and position themselves for better financial prospects in the future. This could involve pursuing education or training, gaining relevant work experience, or exploring new career opportunities. 5. **Social and Economic Progress**: Societal changes, such as shifts in attitudes towards income inequality, housing affordability, or labor rights, could lead to policy reforms and structural changes that promote greater economic equity and opportunity. The speaker may hope for progress in these areas that could positively impact their financial situation in the future. While the speaker may feel discouraged by the current economic challenges, they may maintain hope and optimism for the future based on the potential for change and improvement in economic conditions, policy environments, technological advancements, personal growth, and societal progress.
The concern that economic conditions may remain stagnant or worsen due to a lack of incentive for those in power to create change is a valid one. There are several reasons why someone might hold this belief: 1. **Entrenched Interests**: Those in positions of power may benefit from the status quo and therefore have little motivation to enact policies that promote economic equity or address systemic issues such as income inequality or housing affordability. Corporate interests, for example, may prioritize maximizing profits over addressing societal needs. 2. **Political Gridlock**: Political polarization and gridlock can hinder efforts to enact meaningful policy changes. If there is widespread disagreement or partisan divide on economic issues, it can be challenging to pass legislation that addresses the root causes of economic challenges. 3. **Capture by Special Interests**: Political decision-making processes may be influenced by special interest groups or lobbyists representing wealthy individuals or corporations. This "capture" of the political system by powerful interests can result in policies that prioritize their interests over the broader public good. 4. **Short-Termism**: Politicians and policymakers may prioritize short-term gains or electoral considerations over long-term economic sustainability. This can lead to policies that provide temporary relief but fail to address underlying structural issues or create lasting positive change. 5. **Lack of Accountability**: In some cases, there may be insufficient mechanisms of accountability to hold policymakers accountable for their actions or inaction on economic issues. Without pressure from constituents or consequences for failing to address economic challenges, there may be little incentive for change. Given these factors, it's understandable that some may be skeptical about the possibility of meaningful change. However, it's essential to recognize that change is still possible through collective action, advocacy, and political engagement. By raising awareness, mobilizing communities, and holding elected officials accountable, individuals can push for policies that promote economic justice and create a more equitable society. While the road to change may be challenging, history has shown that progress is possible when people come together to demand it.
My wife and I make $180k and own a house in northern Santa Barbara county at 6% interest $550k mini dream home. Things were fine up until 3ish months ago and the squeeze became more and more noticeable. Now all luxuries other than one wine membership is gone including even eating out at wingstop (not luxury but here we are). We cut all eating out other than McDonald value menu in a pinch which we have done maybe 8 times in the past 3 months and those meals were total $15 or cheaper. It’s wild think I make $111k and it’s been a dream since high school to make 6 figures and now it’s not much at all. We own used corollas as well that we make payments on mine was $20k so not like I have a $45k lifted truck etc. not sure how people are making it.
Same timeline! It really feels like in the past three months exactly things have been much higher and even with good incomes things are tighter. The jump has felt drastic.
Before Covid hit my husband took a lower paying job because that company was a less stressful environment and had better work hours. In order for us to maintain we stopped contributing to his 401K which only had a few thousand in it anyway. We are treading water now and if I am honest we have been doing that for most of our 15 year marriage. Now the water in up to our noses and student loans are back!😅 So I have been combing over our money even more now and doing all the editing I can. The plus for us is we moved into a larger house in an affordable (at the time) part of Georgia and we refinanced our mortgage in 2020 to a lower rate so housing is not a very high concern. I am going to get a work form home job to help us through this season. Another blessing is that we have one child (15).
20 yrs ago, i lived in an apartment, and l absolutely loved it, but my father kept telling me to buy a house. When I finally did for a few yrs i absolutely hated it, but I was able to pay it off a few yrs ago - now I'm glad i did....
Funny thing, my family is barely surviving. No eating out, no Christmas or birthday presents. Turning off all lights, 5 minute showers. Working 6 days a week. 1 vehicle that we share and it's 10 yrs old. Still not saving anything. Wish you the best. Thanks for the video.
The current situation is making me make the biggest move of my life to a new country. A country with a more affordable income to cost of living ratio with universal healthcare included. I have so many friends in other countries and have felt very jealous of them due to a variety of reasons such as seeking medical care and housing.
I saw a thing on TikTok that they felt we are living in “The Silent Depression” and i havent been able to get it out of my head since I saw it . 😢😢 Silent because we are all feeling it but no one’s talking about it.
Ooohhhh yesss that is interesting
I feel like it’s because we live in a very superficial society and there are people who don’t want to admit theyre going broke….they just bury their heads in the sand, pay, and continue to try to “keep up with the Jones’”…..
It almost feels like we are paying for the air we breathe because this is suffocating!!!
All I need is the air that I breathe... :)
Co2 tax
Agree. It just feels overwhelming. Do you have kids?
Now a year later - we aren’t making it. Choose food or meds. Rent is high. Energy has doubled. I’m 68 and have to go back to work. Finding work as a senior is quite challenging.
Easy solution. Start "Dancing"...
I was walking to work today and I found $40.00 dollars in the grass. I picked it up and said thank you God. And put it in my pocket.
Luckyy!
Very nice! So happy for you.
I found a 20 dollar bill a while ago. It was just lying there on the ground; it’s been a long time since that has happened to me but I said thank you and went on my way!
😢 I feel bad for the person who lost it. I have had this happen, but I have always turned it in. I don't want my "good luck" to be because of someone else's bad luck.
It’s times like this that I’m thankful for being almost debt free. Just my car left (besides the house) and we are on track to pay it off by the end of the year. Sometimes we can’t put as much in savings as we would like due to the rising cost of food and everything else but am grateful that’s our biggest problem. I feel bad for those struggling to keep their four walls right now.
For sure! I’m cutting back on the extra savings stuff, but all our needs are covered and I’m really grateful to be debt free. When I got my catch up utility bill I knew I could pull from savings to pay it but I also know a lot of people can’t do that and it’s another struggle to add to everything else. 😥
I'm proud of you
How much is your property tax and time owners insurance and what state? Thank you
Omg I feel you we are debt-free other than our mortgage.. and still not saving nearly as much as we would like to.. and our electric bill just went up another $40 and it just keeps going up and our food bill just keep going up.. gas prices keep going up I don't understand how we can keep this up
I don’t really feel inflation at all. I think a big part of the reason for that is because I have stuck with the principal to never go into debt, and rather pay for everything upfront with my own money. Cash is king. And pay ahead if you can for a good deal, such as with insurance, just pay the full 6 months at once, and I’m a relatively new driver so car insurance is significantly more expensive for me than most adults. When you do these things you just have less monthly bills to worry about, lots of peace of mind, and it’s almost always mathematically cheaper in the long run. I’m also not obsessed with homeownership like everyone else is, there’s nothing wrong with renting for as long as you need to, even for buying a home cash is still king. When you factor in interest, property taxes, insurance, etc. you save little to nothing by signing a mortgage rather renting and saving to buy a home with cash. While renting you can always hunt for the best deals, I stay in a three bedroom house by myself, imagine if I had someone to split the rent and other bills with, that would make it that much easier. And I’m just a warehouse worker making less than $20 per hour in Durham, North Carolina. So you guys have it better than me in a lot of ways, at least you should. I just spent a ton of money I shouldn’t have on a long vacation across the country, I kinda regret it, but that was just a fraction of my savings so I’ll be alright. As for groceries, I haven’t noticed any significant price changes there either, except in restaurants, maybe it’s because I eat a special diet, mainly carbs and no animal products. If this is a real problem then you guys could change your diets a little to help your budgets, maybe not stop eating meat completely but eat less, don’t make it the center of the meal but rather just a side or a topping. I myself could change some things to save on groceries, and I would if I needed to, such as I would buy dry beans rather than the canned stuff I buy now, and I too should eat out less often. Anyways, yeah not depending on debt helps a lot,and overall just be smarter with your money.
I’m in Canada 🇨🇦, and it’s the same everywhere.. it’s so overwhelming over the last few years. 😢 I have to say your video was *exactly* what i needed to hear today.. thank-you for being so open & honest! ❤ I’ve had to pull a couple grand out of our savings (which isn’t that high to begin with!) for things we needed and I feel so guilty that I haven’t been able to replace of of that. I’m working long hours, wearing myself out and we’re just making it… it’s depressing & so stressful. 😣 I’m going to follow suit and for now simply aim to stay “stable” and be grateful if we’re able to do that. God bless!
I totally understand this! Pulling from savings can feel bad but I keep reminding myself that it’s there for that exact reason! We save when we can when things are good so we can maintain during times like this. Stability and gratitude are definitely good goals!
Canada housing and rent prices blow my mind whenever I see anything about your housing markets. It definitely feels like it’s hard everywhere these days!
I couldn’t afford to rent. My mortgage is lower than what rent for a 2 bedroom apartment
We aren't. We're just surviving.
Definitely. That’s what I’m feeling and seeing.
I mentioned the same on Dayana's video. I felt comfortable last year and this year I'm barely making it.
Saaaaame! Last year we felt like we were doing so well and this year it feels like every month is a struggle. The big goals I set for us last year just don’t feel possible right now.
Exactly, and surviving is a battle too, especially mentally.
💯
I really appreciate you talking about this in an honest way. I've decided to put off buying a house for now because of the high interest rates, low inventory, and crazy prices. Despite how much I've saved for a down payment, it's just not realistic right now. I've decided that I'm just going to continue trying my best with the things I can control, so that when the opportunity comes I'll be ready. Small progress is still progress.
Small progress is progress!
The house things was hard to let go of for me but I’m right there with you.
Jeff Bezos just nuked the market even harder with his new “fractional real estate investment company”…. 🤬
I was just talking about this in therapy this week. Groceries are through the roof. I finally hit 6 figures and while it does sound like a lot and I guess technically it is, 6 figures isn't 6 figuring like it used to 🤦♀️
Right? It really hurts to finally make so much money yet realize it’s not hitting the way it used to.
Did your therapist share any wisdom? I probably will bring this up with my therapist soon honestly!
No truer words were said!!! ... 100k salary is now the new $70k. .. thanks to inflation. Smh
@@PenniesNotPerfection honestly no, we both kind of just bonded over the crappy fact 🫠
100k is loads
You can afford therapy?
This video was one of my favorites. So relatable. I have been really leaning into gratitude lately, and I often reflect to to when we were dirt poor about a decade ago. The fact that I’m able to help others now, gives me a lot of peace with the economic downfall. Im just so grateful that I’m in a place where I can be “mediocre” because that’s better than when I was paycheck to paycheck. My heart goes to everyone who are barely staying afloat.
I love that! Gratitude is really helpful. I am in such a better place than I was years ago and so lucky and grateful for it. I am accepting always striving for bigger/better isn’t necessary or possible at times.
I also worry about everyone staying afloat or in debt or with fixed incomes. The comments I get sometimes really do worry me for people when it’s so bleak.
I’m in a similar situation & just wondering how to help others.
As a single truck driver, it's pretty easy. Live in the truck, no bills, no debt, save money, and take frequent breaks (1-2 weeks) overseas or abroad. There's a solution to this screwery.
Not feasable.
"Become a truck driver" is not a solution to a cost of living crisis for the general population.
Good for you..be safe
Your truck strategy to living well makes sense financially but what about quality of life?
I hope you didn’t work for Yellow
The funny thing this is not a USA problem. Its a global issue. Im paying 5x more for Tomatos. Inflation has hit lots of things but food and gas hits the hardest.
But thank you Mary, some of the things you said really hit a sensitive corner. I deleted Facebook not because of envy, i wish my friends n co workers well but being 25 now whenever i used to open facbook, every one is either getting married or promoted or making babies and even though im saving a decent chunk of my paycheck, i still think im far behind on my goals and travel seems so easy to others. For my mental peace ive stopped comparing and looking.
I didn’t think it was but I just don’t have as much info on other countries anymore. Food has been a huge one for us.
A global reset for the upper 1%
Youve done the right thing. Facebook is just a highlight reel of people's lives and people do not often share their experiences honestly.
Remember lots of your peers lifestyles are being funded at least in part by their parents. 25 is a hard age Keep going, simplify, be true to yourself, and smell the roses along the way.
Before pandemic my bills came to £850, they’re now at £1200 that is a lot of money to lose out on. I’m also unwell at the moment therefore can’t shop at in person supermarkets like aldi, and now having to pay the high prices of those which can deliver. It’s all so insane.
I'm so sorry being unwell is adding additional burden! Could you do pickup orders and save the delivery fee?
One thing I feel blessed about is that my grandmother taught me a lot about how to cook creatively from scratch. Pasta, dumpings and bread, yogurt, nut milks and other things. I bought myself a Dash Mini which takes little hydro and can make so much in it as well without turning on a stove. It takes more time to cook my meals but since I'm spending less going out, cooking something new has become part of my own entertainment and having potluck meals with friends is fun too. I also discovered food savings apps like FlashFood, TooGoodToGo and produce clearout carts where I cook what I pick up on the same day. I started taking up hobbies more like puzzles, going on hikes, camping. it's been a lifestyle change but I am enjoying it. One thing I'd recommend is learn how to enjoy all things beans. There is so much variety and dried beans are extraordinarily low cost and don't have to be boring. Instead of having a grocery list you stick to, go for what is on sale/loss leader and build your menu around it.
You hit the nail on the head about cooking for entertainment. This has been my strategy forever!
As long as I can save a $1. I feel blessed. We all are doing our very best. I am happy to see the eggs now cost lower. My daughter likes her eggs sometimes lol.
We love eggs her too! I stopped buying them for a while when the price shots up but bought them last month again and my little boy was very happy.
Thank you for letting the rest of us feel like we are not alone in this struggle. It does help to know we all wish each other better days ahead and that other people understand the hardship we are struggling with. You can feel the love and caring coming through in these comments. I will say a special prayer for all of us watching this video if that is OK. It can not hurt to try. May all of us someday have easier days ahead.
I was just talking to my husband about this earlier today. It’s not easy but we need to trust the process. We all need to make adjustments and try to remain sane. We make descent money but our expenses keep getting out of control and everything is going up in price except salaries 😫
I'm very low income and I often do feel like a failure my job isn't given raises and I haven't had one in 3 years. I am currently looking for flexible part time work to supplement income but I feel the weight of the world. Some months I can barely save and at my age feel like I should be so far from where I am. I needed to hear it's ok.
You’re definitely not the only one that hasn’t gotten a raise. I hope the part time work helps. I wish it wasn’t necessary. I’m proud of you for doing so much.
It's definitely not fair to not get a raise for 3 years. If possible look for a new job the current one doesn't deserve you. I'm sure you are doing the best you can with what you have. I wish you luck with finding a job.
This is such a breath of fresh air! I say all the time that we shouldn’t be struggling as much as we are with the money that we bring. I guess I shouldn’t say struggling because I know a lot of people have it so much worse, but I would have thought we’d be thriving and debt free by now 😫 like you said, hopefully it is just a season and won’t last forever. Thanks for sharing! ❤
We have had to stop being gazelle intense on our debt journey to recover from a couple of unexpected expenses and I am ok with it. We continue to pay the minimum payments but at the same time we are reinforcing or sinking funds and doing our best to survive and adapt to this new cost of living. I know we will pay off all the debt at some point, but for now this is not the no1 priority anymore and that is ok ❤
Gazelle intensity is hard to sustain in good times too! You will pay it off but it’s not a race and you’re doing fine!
I keep asking my wife this, I am a financial analyst and she is an accountant and while we are not rich we do alright but we just saw a house sell for 850k down the road, they have two new cars and it’s just like how?! Must be inheritance or something because the costs are just mind boggling
We have been debt free, except for our mortgage with only a couple years left, so that has saved us going through the last year and going forward. We have had to eat out less or not at all to allow enough to pay for groceries, and we go to the food shelf once a month too. Ive gotten a part time job that starts next week to help, as well, despite having retired early last year. We are VERY cognitive about turning out the lights when we leave a room, doing laundry and running the dishwasher before bed rather than during the day. I do all of my shopping in one trip per week if possible and we are staying home more or choosing free or cheap fun things over fun things that cost money. I coupon for all of our household, personal, paper, cleaning and laundry supplies, so we pay little to nothing for them, when we combine them with store loyalty programs and rebate apps. We use 4 apps that give rebates on shopping and one is for gas rebates. All of them pay out either to paypal and/or for gift cards. Every penny helps, and it adds up quick. This is our "fun" and "walking" money for the month. It takes time and organization but affords us a cheap date or two a month and money for Christmas gifts.
Eating out is a luxury that has been unaffordable for years!
Its hard. Not impossible, but its a struggle and doesn’t seem like it will end
Hard not impossible is a great way to explain it.
I know its fucking BS
A lot of wisdom and encouragement in your video. I’m 53 and the memories of the energy crisis and the Carter years I observed, even as a child are still imprinted on me. I am grateful to remember my Dad being laid off and all the “side hustles” my parents had to keep us afloat. Dad mowed and did oil changes for neighbors, mom cooked for others and sewed/mended clothes for people. I remember Beans and rice before Dave Ramsey made it cool. Thankful I also remember when those times passed and things got better. I learned lessons that I carry with me today. I offer encouragement to my adult children that this economic situation/bubble will collapse eventually. Study enough history and it’s all cyclical.
Loved your words that these circumstances don’t define us! No one is a loser or a failure because of this. It CAN refine us and teach us a few things about ourselves and our habits. We can take the opportunity to pause, learn and change once the crisis passes.
Thanks for all you shared. ❤
Yessss! I was a history major and even just in my own adult life I’ve seen how cyclical things are. Now is not the best period but we went through good periods with amazing opportunities previously. I believe they will come again.
Thank you for your comment and wisdom!
I remember when the peanut farmer blew up the economy too.
He’s the reason we have a thing called the misery index.
Some great points, I'm 64 and I remember the Carter years well with high inflation. Say what you want about Reagan as President, but he did bring us out of that economic crisis. We are in a very similar situation now in my humble opinion having a socialist/communist ideology in charge of our government. For some reason young people support Socialism and it has been tried throughout modern history and never works!! It only brings misery and tyranny to the people. Venezuela is a good case study! The US is heading in that direction! Vote wisely this November!
Companies say supply chain issues, rising wages and expensive fuel have forced them to push prices up at the fastest rate in decades. But a lot of these same companies are reporting record profits, and that has many wondering if corporate greed is actually the driving force behind inflation right now.
But some of these things like fuel prices are self inflicted. We don’t need to be paying 4$ a gallon. When we are energy independent like during the Trump administration the prices can be cut in half. We need to produce our own energy again stop depending on other countries.
If only workers collectively push their asking price up at the fastest rate in decades. Seriously, if we keep accepting stagnant wages, nothing will change, We need to make employers desperate for workers if we are to reverse the reality of workers being desperate for low-paying jobs.
Ty sooo much for caring enough to make this video. Unfortunately, we’re stuck for some time now with No ending in sight to this inflation crisis. The powers that be have a plan for us and it’s not good. This is only the beginning. Your positive attitude resonates with me.. Thank you again for your display of compassion..God Bless❤
Everything is expensive, I've had to back up a little bit on some of my investing goals. I think one nice thing is, if we hadn't been focused on improving our finances up until now, things could be so much worse (if we still had to pay the debts we paid off or didn't have sinking funds or emergency funds)
So true!
My family is struggling since we bought a house a couple years ago. Just a humble old manufactured home but it’s insanely expensive to make the payments. The awful thing is our family of four would probably be paying almost just as much to just rent a 3 bedroom 2 bath house. Groceries, gas, utilities, and insurance on top of it makes me feel like I’m drowning. We never ever buy Starbucks or fast food or clothing or go on vacation so I’m not even sure what else I can cut to make things better. I’ve been making extreme budget meals and we do have Netflix which might have to go eventually. Our money troubles have been the top cause of every fight I’ve had with my husband. It’s hard to get along when things are so tight. Sometimes it keeps me up at night with anxiety. It’s actually nice to hear you talk about this because it makes me see I’m not the only one.
Pay check to pay check for me rn. I make $24 an hour at the age of 21. When I was a kid, I thought this would set me up for success but yet I’m literally just BARLEY surviving.
Totally understand. I thought $20-$25 was sooo much but times have changed and now it’s barely enough to survive.
As a highschool student going into community college and prob college, i am absolutely terrified for what happens after graduation.
College is a scam. Don’t waste your time or money.
Learn a trade.
It won't matter. Jesus is coming soon anyway.
Going into my second year at university. I absolutely feel you. I chose environmental science as my major because I hope to do conservation or similar work post graduation, but the future has been looking more and more bleak to be honest. You're not alone.
I'm worried about the same things for my daughter who is in 9th.
But the same thing happened to me when I prayed about it. God reminded me that many things that are important to us now, won't even matter anymore.
@@AmyMichelleMosierAMEN TO THAT! He needs to hurry up!
I’m active duty military living in San Diego, CA. Rent is impossible alone and you are financially forced to have a roommate. It’s terrible! Choosing to go without something so you can put gas in the car to go to work is something that’s real for a lot of military here! Sad!
I work from 3:45 pm - 1:00 am at the GM plant then I work from 4:00 am - 8:00 am at UPS Monday-Saturday. Sundays I do Lyft for 8-9 hours. I thought I was going to catch a break and then I get hit with a $1000 car maintenance bill. Life is getting really too difficult.
I was just having a conversation about this with a friend last night. It's exhausting and expensive just to even exist! If I can get some debt paid off by the end of the year, at least that is some progress.
Being debt free does help. I feel like we’d be way worse off if we had lots of debt still. But it’s exhausting for sure!
I think we need to look at how bad it is for other countries outside the US. Things maybe getting tight, but it's still okay. Other countries where inflation is now over 100%, is absolutely ridiculous. So grateful I have been on top of my finances these last few years and remained living below my means as saving for a house deposit.
As cost of living as a single person has sure gone up in London, I just cut out the unnecessary spending on clutter and stick to my end goal.
Great point!
Be careful to buy into the lie that things are worse in other countries. For an American, your money would go much further in other countries if you moved there!
This is nothing new. It has been happening since the dawn of time. This is why families used to all live together, to save money on bills and have more hands to help with cooking, kids and raising gardens and animals. The #1 easiest way to reduce amount spent on groceries is to make a garden. This can be done even if you live in an apartment or dorm room.
People use to live in caves. So what is your point?
This is one of my fav videos. I like what you said about "maintaining" during these harder times - the important thing is NOT to go backwards and fall back into debt. Lots of folks are right at "maxing out" their various credit lines and will be in a really bad place. 😢 I am so thankful to be 100% debt free. I do still have to save up and pay my homeowners insurance and city/county property taxes and have had less for retirement savings due to variable income. My mentality is STILL every dollar saved counts!
Yesss!
Sometimes listening to Dave Ramsey can make you feel irresponsible and bad about yourself when you are trying so hard. Do not let these type of shows make you feel like a loser
I agree! Those shows work for certain people but many feel worse after and the shame and guilt doesn’t really change anything financially.
Yeh, I listen to him sometimes but I find him a bit much, easy to talk when you have a lot of money!
yep, kids and house have been postponed. im working extra hours as much as possible, becoming known as the OT girl at work. and even after moving away from our ideal city to live in, we're still not able to afford a basic house in an outskirt town of a city we dont even like (45+ min commute to work).
tbh, ive given up and we're stashing cash so we can be in a better spot next year (and the years forward). we're focusing on leveling up our careers and have given up on stability and are applying to positions literally anywhere for a higher income ceiling (which will probably require us living separately temporarily and moving cities or states).
what you spoke about taking it personally, i totally do. but giving up stability is the only thing we've found that helps us cope and just push us to be moving forward.
thanks for this video, wishing you and your family the best! 🙏🙏🙏
Being flexible is where your careers take you should help a lot… I hope something comes through soon for you! I can’t remember what city you’re in now but it’s tough in most of the major cities.
It’s super hard not to take it personally but you’re doing a lot of the right things. I’m proud of you!
kidfree, pet free, kar free, -ouses paid off. I redu-ed e=penses and I am -appy
Truth is I am ashamed of it. But I can't even afford food anymore. Literally skip every meal. No more working on opening a small business. No credit, no resources. At this point it can all burn or not. I have no dog in the fight anymore.
I’m so sorry to hear this! Have you checked out food pantries near you? My city has several ongoing ones and they are there for times like this! Don’t be ashamed to use resources that exist when things are hard!
Same.
I’m the same way. I’ve also started skipping two out of three meals a day to save on food
We’re in the same boat! Our grocery budget is up by 30%
Sounds about right 😥
Not being able to enjoy the salaries we’ve all worked hard for hits home . Currently spending $1700 on groceries for a family of 4 .
Groceries are CRAZY
I went to Jewel Osco here in Illinois in which is a major grocery store and I sw a non store brand pack of eggs for 8.25 for a dozen of eggs. that is insane and I am kinda old school but I am a Millennial generation and it is getting very challenging to keep up with basic things.
thank you for this, my mom has been hounding me and shaming me for not being better. low key saving money to move out.
Thank you for this. I needed to hear it. 💛
❤️❤️
Whoever is charging $2500 for a studio apartment really needs to be jailed 😊
It’s never going to change, the next gen are too concerned about social media and shallow crap. Meanwhile corporations and governments are wringing out every last drop from us. Don’t expect change, it’ll never come, this is the new normal.
Hoping that's not the case!
@@PenniesNotPerfection so do I.
Speaking as a college-age person in the US, we do care. I know plenty of people who care, and are willing to (and do!) organize. Some of us are quiet but not all of us.
There is so little we can do though. It feels so completely overwhelming to be coming of age in a late-stage capitalist society.
Despite it, I have to hope things will change. I don't think it's naive to be hopeful.
Even after I bought a house back in 2013, I never really felt like I owned it. I sold it and moved back in with my mom. Life is so much easier. Not alone anymore.
Great video, new subscriber here! I lost my job in 2023 it’s so scary out there! No job prospects and the monthly expenses are high.
Welcome!!
So sorry to hear that! I hope things turn around soon!
@@PenniesNotPerfection Thank you so much for this message. I am remaining hopeful.
Inflation along with price gouging is being super disrespectful right now. I’ve have to increase my baseline budget and adjust my savings goal accordingly.
It’s sucks because it’s like even if you do the right things, the finish line gets pushed farther. Persistence along with knowing when and how to pivot is essential right now for sure.
Great comment! Persistence and pivoting are key!
I’m 18 years old and I’m living in a 1 bedroom apartment with my mom, dad, and my older brother and sister, and we don’t have enough money to move out in a better home and I feel like I have to give up on the dream of having my own private and personal space, and going deeper in some of my hobbies that require some space :/ there is barely any space in this apartment to get more stuff I like
I often go on my knees to Jesus Christ of Nazareth and tell him everything that im going through financially and I ask God for supernatural favors and miracles and God always provides and even though im sometimes scared i try to listen to God when he says Do Not Worry - “Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than these things. We are living in a Corrupt satanic system. Cry out to Jesus day and night for Mercy 🙏 God bless you love
I'm so saddened to see the mess we are all in now from the over the top unnecessary covid lockdowns and restrictions. These economic problems affect everything from being able to buy healthy fresh food, paying for medical, working too much, bad or insecure housing, debt, declining mental health problems from poverty etc All the covid measures achieved nothing in the end, the virus certainly never got eliminated!
Thank you for the video. I’m sure a lot of us needed to hear this.
This is honestly so hard it makes me want to cry sometimes bc idk how I’m gonna keep going. This is the most money I’ve ever made, I have a cheap car, a cheap house, and I am still paycheck to paycheck. It’s so frustrating.
A lot of us are there too
I am without job and the jobs that getting back to me are recruiters with jobs offers that don't pay enough and getting food stamp but still not😊 enough as food price are constantly going up.
“It won’t last forever.” Love that ❤
Loved the video Mary. I just made a video talking about inflation (& the rising cost of car issues) is causing us to cut back on investing. Understanding the economy and listening closely to Jerome Powell made me realize we need to focus on saving more so we can maintain our current state of life. With more rising rates coming, things will hurt a bit more for Americans but like you said...adjusting our expectations is a great step in the right direction though it may not feel like it! Like in football, offence (investing) and defense (saving/paying off debt) combined with great coaching (us😊) is what WINS THE GAME!! We can get through this together with open dialog so we know we arent alone. Everyone is feeling touched by inflation! Sry for the long comment but I am a chatty lady! 😂 17:00
Ohhh yes I need to go watch that! Sounds like we are having similar thoughts… I’d rather cut back on the bigger goals like our house plans than cut our current lifestyle, which is not extravagant but is more expensive now than it was before with rising inflation costs.
Loved this comment and I’m adding your video to my watch list now!
@@PenniesNotPerfection Yep! I just had to replace the alternator on our van for $1,489!!! That's absolutely insane 😳. Price rose almost 30% in 2 years. Inflation is horrible.
Wow that’s crazy! We were worried my last car issue would require a new alternator but luckily it didn’t. But it still cost hundreds to fix on our own last month. It’s all just so much!
30% in 2 years is just 🤯
Same here in the UK,everything so expensive now and wages are low!
I'm sorry it's not a cycle - the US is bankrupt. The US government has printed so much currency without adequate production on the other end that now there is a national debt of more than 33 Trillion USD. Per inhabitant - if you believe the official numbers - that's almost 100 Million USD in debt per person. Not counting private household debt or liabilities like social security. How long do you think that they can continue with this game. And do you think your USD will be worth something by the time you want to retire? Also other countries are playing the same game simultaneously. Devaluating their currencies. But in some countries they are used to living simple lives and not really having enough money - like Italy. In Italy for example take out coffee has never even been a thing. In the US it's going to be hard for people to give up the lifestyles they were used to from decades before. In my opinion the future is that we need to do everything ourselves again. Because we will not be able to afford to pay someone else to do things for us. Anything . Only upper class will be able to get take out coffee for example. I think we have no choice but to buckle down for a bumpy road ahead.
This is one tip i tell my kids to help live mindful. When shopping think...do i want it or do i need it.
Of course once in while u can spoil yourself but make wise choices too.
It’s the food cost. It s getting scary.
I hate how much more the same food items cost now. It’s insane!
I am single and 61. I am grateful that I am able to live on my own but I do get a bit frustrated when going to the supermarket. I find myself shopping a 3-4 different stores. You don’t always get a break on cost when you buy less. Most of the time it’s much more. Many blessings to everyone and I feel your advice is good. Take some pressure off of ourselves. When we do that, times start feeling a bit better because we get inspired 💕
It is the same in other countries, I buy very little in supermarkets and buy most in local smaller stores! 🇨🇦
Cost of living is effecting everyone seniors can't hardly eat ,family are struggling harder than ever before .you have got to be strong putting god first in your struggle to servive.God bless.
Every third month wife and i drive to the big city 2 hours away and really stock up on supplies. For a saturday the parking lots of places like target and walmart were fairly empty, but every grocery store was packed with people. I remember when wife and i started out 20 some years ago she bagged groceries and she always came home depressed and dumbfounded. Depressed because she was bagging all this food she wished we could buy, we barely had any food then, and dumbfounded by amount of the country club crowd that paid with food stamps and driving $60k plus automobiles
I have been on just survival mold hoping someday this will end! Thk u I really needed to hear this.
Thank you for this. It's comforting and inspiring.
After rent, groceries, and bills, today was the WORST day for my truck to start acting up. I genuinely don't know what to do anymore
I’m so sorry that is happening to you!
I am in a somewhat similar situation. My husband is out of the country taking care of his mom with her medical issues which will require surgery and recovery time. And I am here paying all the bills for the household on my own and will be for the forseeable future. So to stay within budget, I am eating what we have and not going to the grocery. I will do this until every crumb is gone or he comes home, whichever comes first.
Most of the things people say are necessary, most certainly are not. I look at the grocery carts of the people around me, and it's ridiculous. People are just overspending, and want far too much.
We are not surviving I've been spending savings the last almost 3 years . I'm working 65 plus hours a week and feel like im throwing my life away because i can't even enjoy nothing. Can't even buy my first house next year and I'm 45 . I will never be able to retire. Just tired of it .
Move to Cuba.
We need to vote wisely. There is no denying that under Trump we were much better off. Gas was 2.20$ a gallon no inflation because we were energy independent.
The lowest has price I found if you use cash only was $2.94 out in the country. In the cities the lowest I found was $3.08 and it rarely holds.
His tarriffs will increase prices unfortunately.
HOW To Survive:
1. Family members who have great career pay for expenses of broke family member
2. Apply for free $6,400/Month stimulus package
3. Try to hold down a part time job that has crappy pay.
4. Prep to save money to buy raw land and place tiny shed home on it that is self sufficient
5. Live in car ( nomadic homeless) or be street homeless and rely on food pantries and Government agencies to keep you alive.
Currently on step 1 and 5 😆. Curious about step 2, what stimulus package precisely?
Looks like I'm moving into my car. Rent is just outrageous.
Hey I did it for a year straight and saved money. Very hard and scary, but worth it, to me.
23 here. I work 43 hours/week as a sales professional and 20 hours part time at a grocery store while living with my parents. My only hope is to try to save up until I can begin to enjoy life as it doesn’t make sense to move out or try to make friends if I’m just gonna end up working 60 hour weeks anyway to pay the bills.
Start "Dancing" on the weekends.
Somewhat feeling the squeeze. I’m focused on paying off debt right now and thankfully I haven’t had any issues paying my bills every month.
Because of the increase in costs, I’ve had to cut back on certain splurges: No more ClassPass, no more random movie nights, impromptu dinners, etc. “Fun” is a little more planned and thought through.
Definitely cutting back on splurges here too!
You cant be stupid, not frugal and not smart with your day to day financial and family related decisions in life nowadays just to survive.
The richest person in the world is the one that needs the least to be happy 😊.
FACTS 💯
That’s only because they are able to deduct the biggest stressor which is affording living. Just knowing that you can afford anything you want really diminishes the need.
Wants and Needs are not the same thing. You need food, water, shelter and warmth. You also have to consider minimal limits in society.
You said it. And nobody I know isnt making it ! Real talk.
Thank you 🙏 I needed to hear this
❤️❤️
I'm 30, working myself sick 70+ hours a week, but I'm still unable to afford kids and a home... so I guess I'm just "lazy and entitled" according to older peoples' standards 🙄
70 hours ??? Wow I'm at 60 hours. Good luck 👍
Currently, I know my son & I are living with my mother because of her heart condition. My sister also still lives at home. Currently, we just work together the best we can to tackle each project one at a time all while trying to fix up my mothers home to sell it when the time is right to get into a bigger house in the country. My first step is trying to get each of my cards that I used during school paid off, so that there is less to worry about. But definitely between normal bills, groceries, house repairs, car repairs, etc...there isnt much wiggle room for anything extra. We are trying to downsize and cut back on a bunch and I am trying to supplement where we can to help with daily costs. Just have to try to stay optimistic.🙏🏻
Great video! And your handling this so well!
The grocery giants understand that everyone needs to eat, so they encourage consuming less processed and manufactured foods. Making small changes like reducing impulse buying can lead to significant savings. Personally, I've adjusted my diet to include more staple foods and steamed veggies, consuming smaller portions overall.
In addition to cutting processed foods and driving slower, deferring maintenance and selling personal belongings can help save money. However, there's still a basic human requirement for survival that must be met. While costs are rising, especially in Vancouver and Toronto, the situation isn't as dire in Alberta.
Regarding taxes, it's frustrating that they're deducted before we even receive our income (for basic necessities like food), making it difficult to cover basic necessities. Corporate greed exacerbates the problem, with some companies making huge profits while laying off employees. It feels like hardworking individuals striving for a better life are being left behind, and there's little we can do to counteract this trend.
Question is: You've mentioned the solutiosn really realy well, being able to absorb financial damage. THe real perpetraitors are the corporations.
Where did that statement come from: "you will own nothing and be happy....."
Thank you. I needed to hear this ✌🏻
American culture often places the blame on individuals for their economic status and conditions, failing to recognize the underlying structural and systemic factors at play. This tendency to attribute financial struggles solely to personal failures overlooks larger issues such as income inequality, stagnant wages, and systemic barriers to economic mobility.
Politicians and those in positions of power may benefit from perpetuating this narrative, as it serves to maintain the status quo and prevent critical examination of societal inequalities. By keeping the masses focused on individual responsibility, power structures remain intact, and the influence of the marginalized is diminished.
This perpetuation of blame on the individual serves to obscure the larger systemic issues at play, effectively keeping the masses "stuck" in a cycle of economic hardship. It's a mechanism that stifles critical thinking and perpetuates the existing power dynamics, ultimately benefiting those in positions of authority while further marginalizing the most vulnerable members of society.
From the transcript, several systemic issues contributing to the financial struggles experienced by individuals can be identified:
1. **Inflation Outpacing Wage Growth**: The speaker notes that prices for essential goods such as groceries and gas are increasing rapidly while wages remain stagnant. This highlights a systemic issue where inflation is outpacing income growth, making it increasingly difficult for individuals to afford basic necessities despite working more or earning higher salaries.
2. **Housing Affordability Crisis**: The speaker mentions the challenges of buying a house due to soaring housing prices and high interest rates. This reflects a systemic issue of housing unaffordability, exacerbated by factors such as speculative real estate practices, insufficient housing supply, and limited access to affordable housing options, particularly in urban areas.
3. **Income Inequality**: Despite making more money, the speaker acknowledges ongoing financial struggles, indicating a disconnect between income levels and financial security. This points to a systemic issue of income inequality, where a significant portion of wealth is concentrated among a small percentage of the population, leaving many others struggling to make ends meet despite working hard.
4. **Limited Economic Mobility**: The speaker discusses the need to prioritize stability over aggressive wealth-building goals, suggesting that economic mobility is limited during this period. This suggests a systemic issue where upward mobility is hindered by structural barriers such as unequal access to education, limited job opportunities, and systemic discrimination based on factors such as race, gender, and socioeconomic status.
5. **Corporate Greed and Market Forces**: The speaker acknowledges the role of corporate greed in driving up prices and exacerbating financial challenges. This points to systemic issues within capitalist economies, where profit motives often prioritize shareholder returns over the well-being of workers and consumers, leading to price inflation and income disparities.
Overall, the transcript highlights systemic issues such as inflation, housing unaffordability, income inequality, limited economic mobility, and corporate greed as key factors contributing to the financial struggles faced by individuals. Addressing these systemic issues requires structural reforms aimed at promoting equitable economic growth, improving access to affordable housing and education, and ensuring fair wages and working conditions for all.
The speaker expresses a sense of resignation about the current economic situation, acknowledging that certain goals, such as buying a house or aggressively saving for the future, may not be feasible at the moment. However, while they may feel constrained by the existing economic circumstances, there are several reasons why they, or anyone else in a similar position, might believe that the situation could change in the future:
1. **Economic Cycles**: Economic conditions are cyclical, with periods of expansion followed by contraction. While the speaker may be experiencing financial difficulties during a downturn, they may anticipate that economic conditions will eventually improve as the economy enters a new phase of growth.
2. **Policy Changes**: Changes in government policies, such as fiscal stimulus measures, monetary policy adjustments, or regulatory reforms, can have significant impacts on economic conditions. The speaker may believe that future policy interventions could help alleviate the current economic challenges and create opportunities for financial improvement.
3. **Technological Advances**: Technological innovation and advancements can drive economic growth and create new opportunities for prosperity. The speaker may anticipate that future technological developments could lead to job creation, increased productivity, and improved living standards, ultimately enabling them to achieve their financial goals.
4. **Personal and Professional Growth**: The speaker may believe that with continued personal and professional development, they can enhance their skills, increase their earning potential, and position themselves for better financial prospects in the future. This could involve pursuing education or training, gaining relevant work experience, or exploring new career opportunities.
5. **Social and Economic Progress**: Societal changes, such as shifts in attitudes towards income inequality, housing affordability, or labor rights, could lead to policy reforms and structural changes that promote greater economic equity and opportunity. The speaker may hope for progress in these areas that could positively impact their financial situation in the future.
While the speaker may feel discouraged by the current economic challenges, they may maintain hope and optimism for the future based on the potential for change and improvement in economic conditions, policy environments, technological advancements, personal growth, and societal progress.
The concern that economic conditions may remain stagnant or worsen due to a lack of incentive for those in power to create change is a valid one. There are several reasons why someone might hold this belief:
1. **Entrenched Interests**: Those in positions of power may benefit from the status quo and therefore have little motivation to enact policies that promote economic equity or address systemic issues such as income inequality or housing affordability. Corporate interests, for example, may prioritize maximizing profits over addressing societal needs.
2. **Political Gridlock**: Political polarization and gridlock can hinder efforts to enact meaningful policy changes. If there is widespread disagreement or partisan divide on economic issues, it can be challenging to pass legislation that addresses the root causes of economic challenges.
3. **Capture by Special Interests**: Political decision-making processes may be influenced by special interest groups or lobbyists representing wealthy individuals or corporations. This "capture" of the political system by powerful interests can result in policies that prioritize their interests over the broader public good.
4. **Short-Termism**: Politicians and policymakers may prioritize short-term gains or electoral considerations over long-term economic sustainability. This can lead to policies that provide temporary relief but fail to address underlying structural issues or create lasting positive change.
5. **Lack of Accountability**: In some cases, there may be insufficient mechanisms of accountability to hold policymakers accountable for their actions or inaction on economic issues. Without pressure from constituents or consequences for failing to address economic challenges, there may be little incentive for change.
Given these factors, it's understandable that some may be skeptical about the possibility of meaningful change. However, it's essential to recognize that change is still possible through collective action, advocacy, and political engagement. By raising awareness, mobilizing communities, and holding elected officials accountable, individuals can push for policies that promote economic justice and create a more equitable society. While the road to change may be challenging, history has shown that progress is possible when people come together to demand it.
My wife and I make $180k and own a house in northern Santa Barbara county at 6% interest $550k mini dream home. Things were fine up until 3ish months ago and the squeeze became more and more noticeable. Now all luxuries other than one wine membership is gone including even eating out at wingstop (not luxury but here we are). We cut all eating out other than McDonald value menu in a pinch which we have done maybe 8 times in the past 3 months and those meals were total $15 or cheaper. It’s wild think I make $111k and it’s been a dream since high school to make 6 figures and now it’s not much at all. We own used corollas as well that we make payments on mine was $20k so not like I have a $45k lifted truck etc. not sure how people are making it.
Same timeline! It really feels like in the past three months exactly things have been much higher and even with good incomes things are tighter. The jump has felt drastic.
Before Covid hit my husband took a lower paying job because that company was a less stressful environment and had better work hours. In order for us to maintain we stopped contributing to his 401K which only had a few thousand in it anyway. We are treading water now and if I am honest we have been doing that for most of our 15 year marriage. Now the water in up to our noses and student loans are back!😅
So I have been combing over our money even more now and doing all the editing I can. The plus for us is we moved into a larger house in an affordable (at the time) part of Georgia and we refinanced our mortgage in 2020 to a lower rate so housing is not a very high concern. I am going to get a work form home job to help us through this season. Another blessing is that we have one child (15).
I like how she says for now like things are going to go down and wages will go up sorry not going to happen any time soon or ever
Probably not but I like to stay optimistic. 🤷🏻♀️
Good advice I agree with what you say. My property tax is going up $100 a month now every month I’m in the hole by $100. I don’t know what to do.
20 yrs ago, i lived in an apartment, and l absolutely loved it, but my father kept telling me to buy a house. When I finally did for a few yrs i absolutely hated it, but I was able to pay it off a few yrs ago - now I'm glad i did....
It took 25 years from the great depression to get to a point of recovery so this could last for a very long time .
Funny thing, my family is barely surviving. No eating out, no Christmas or birthday presents. Turning off all lights, 5 minute showers.
Working 6 days a week. 1 vehicle that we share and it's 10 yrs old.
Still not saving anything. Wish you the best. Thanks for the video.
It's tough and I know a lot of people in your position right now. Fingers crossed for things to change for you guys!
I hear that but i also see people buying cars with 700 dollar payments and vacations every few months.
Some people CAN afford that! Good for them! And others do it without being able to afford it and take on debt. Hard to know who is doing what.
Thanks for sharing. I’m not alone
Not at all
My rent increased $550, I walked away and now I live in my camper and pay $0
Remember when the economy and life was booming under the president with the mean tweets? You get what you vote for
To add to that "lowering expectations" the old folks told me to live below my means 😂
The current situation is making me make the biggest move of my life to a new country. A country with a more affordable income to cost of living ratio with universal healthcare included. I have so many friends in other countries and have felt very jealous of them due to a variety of reasons such as seeking medical care and housing.
I hope the move works out for you! It is very nice to live in a country with universal healthcare.
im barely making it, your NOT alone! i barely have 100 bucks left over at end of month
Hoping that changes for you soon!
I agree this is how I feel it's very stressful. Right now we r just getting by