Do You Have Extra Money That You Have Saved...

Wicked Wahine Wicked Wahine
Or Do You Live Check To Check?

I receive SSI and it is too little to save any money. (Besides, requirements are that I can't save more than a low amount, even if I could, or I would lose the benefits.)
06/25/2013
  • Weekly BOGO: Accessorize for Pleasure! Buy 1 Vibrator And Ge
  • Try a luxury harness with a dildo and save 45% on a kit!
  • Get a FREE Pleasure Balm when buying OhLaLa Lingerie
  • Better Price - Save 40%
  • Better Price Sale - Save 50%
  • 1
  • 2
  • 3
  • 4
  • 5
All promotions
Ansley Ansley
I didn't know those restrictions were in place. That's odd...

We don't really save much, but there's not a lot extra either and we live rather modestly (but we have a car note, so that eats up fun money).
06/25/2013
No-nita No-nita
Quote:
Originally posted by Wicked Wahine
Or Do You Live Check To Check?

I receive SSI and it is too little to save any money. (Besides, requirements are that I can't save more than a low amount, even if I could, or I would lose the benefits.)
SSI is weird like that. They barely give you enough to live on, but if you save over a certain amount, they decide you must not need benefits anymore and yank the rug out from under you. I know there's that problem of potential "gaming the system" but really, if someone is saving up $10 here and there for a year and can finally afford to replace their broken TV or whatever, that doesn't mean they're swimming in cash and don't need their benefits... it just means they managed to scrounge up enough fun money to finally get something nice for themselves.

We live paycheck to paycheck, and I'm in the process of filing for temporary benefits (temporarily unable to work) and for a while my partner's hours were cut at work, but they recently restored them so it's not so tight financially anymore.
06/25/2013
Wicked Wahine Wicked Wahine
Quote:
Originally posted by No-nita
SSI is weird like that. They barely give you enough to live on, but if you save over a certain amount, they decide you must not need benefits anymore and yank the rug out from under you. I know there's that problem of potential "gaming the ... More
Yeah, they watch me very closely, too because I must appear guilty. When you first get your money there is often a lump of it because it is retroactive to when you applied. So, I had to use the "excess" money before the next month, I already had credit card debt, so I used it for that. They demanded all the info, I had to show that I spent it that way - I was required to give them the credit card account info & a receipt proving I spent it there & didn't just withdraw it & sit on it. Well, the person also demanded I empty my wallet to prove what cash I had on hand. I know now that this is illegal, but at the time I didn't & was afraid, so I hope she had fun seeing the 56 cents in pennies I had, the nasty bully. I should say I know others who receive different types of aid, SSI included and none of them get "harassed" like I do. Problem is, I cannot afford to rock the boat because I have to have the medical aid I receive and complaining in the past has caused retaliation, so I try to stay under the radar.
06/25/2013
Fluke Fluke
Yes, I keep savings and rarely use credit or take out a loan. I don't understand how people rack up massive credit card debts when knowing they don't earn enough to make the payments. Too easy to swipe your card or hit buy on the internet I guess.
06/25/2013
Taylor Taylor
I save about 15% of my paycheck, so I have a decent amount in savings. I'm trying to get enough saved to where if I couldn't work for a few months I would be okay. I'm also working hard to pay down my student loans, so I've been a lot tighter with my money lately and only make a couple of splurges each month.

If I need extra money to cover something or just want to splurge I try and work extra hours at my massage job instead of pulling from my savings or adding to my credit card. Having 2 jobs has really helped stabilize the amount of money I make. When I only did massage some months I would have a lot of money and some I would be really struggling, now that I have my physical therapy job that has really helped even things out and I don't need to pull from savings as often.
06/25/2013
Wicked Wahine Wicked Wahine
Quote:
Originally posted by Fluke
Yes, I keep savings and rarely use credit or take out a loan. I don't understand how people rack up massive credit card debts when knowing they don't earn enough to make the payments. Too easy to swipe your card or hit buy on the internet I guess.
Unfortunately, too many people run up credit card debt, get all the stuff they want, then go the bankruptcy or write-off route. It seems many don't bother to sacrifice and save, but instead get whatever they want right away on credit. If you don't look at it as actually spending your money, sure you're going to get in trouble.

The nice thing about credit for me is that I have been able to get interest free payment plans so I could get stuff such as some furniture. All I do is pay the specified amount each month & I am fine. Credit cards are great, but I think a lot of people have no intention on paying it off. I doubt I could get by without them, but I also don't run up debt without a care.
06/25/2013
gsfanatic gsfanatic
I've been saving up over time. Hasn't been easy of late due to unexpected expenses, but I'm slowly coming back
06/25/2013
Woman China Woman China
I have no debt, no credit cards and I put money aside each monthnand ive saving for when I need it. I just bought an oven yesterday as a present for myself, and plan to hopefully send the summer having some fun and doing some odd job teaching here and there around China.

I live comfortably, I don't deny myself from having a 'nice' life because I know from experience no matter how much you plan for a rainy day... All lets just say, that rainy days don't really come.
06/25/2013
Chelynn67 Chelynn67
Quote:
Originally posted by Wicked Wahine
Or Do You Live Check To Check?

I receive SSI and it is too little to save any money. (Besides, requirements are that I can't save more than a low amount, even if I could, or I would lose the benefits.)
I used too but things have happened and I have none
06/26/2013
Woman China Woman China
I hate this Internet by iPad thing. Sorry. Double post.
06/26/2013
novanilla novanilla
It depends on the time in my life. I try to save things, but I was in college until last month, so I had to pay very large bills. So when I did save thousands of dollars, a couple months later, it was gone to my tuition and dining bills, and most recently, a car. Now I have some saved, but it's for moving and getting settled before my first paycheck. Soon I hope to be able to begin putting some away for grad school, my next car, or emergencies.
06/26/2013
funluvinmama funluvinmama
We mostly live check to check.

I would love to have extra money to save up.
06/26/2013
TJax TJax
I have a little saved. Though not nearly enough. And now I have enough debt that I'm not really building any savings right now
06/30/2013
lana'sart lana'sart
Quote:
Originally posted by Wicked Wahine
Or Do You Live Check To Check?

I receive SSI and it is too little to save any money. (Besides, requirements are that I can't save more than a low amount, even if I could, or I would lose the benefits.)
I save very little
07/04/2013
MrWishyWashy MrWishyWashy
I try to save as much as I can although it is not usually a ton of money.
07/05/2013
Total posts: 16
Unique posters: 13