How to thrive with low income in a humble area - page 5.

AmoreJaz

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Quote from: Davidvictorson on February 01, 2023, 06:16:57 PM

To thrive with a low income, the individual must have a monthly budget and stick to it strictly. Failure to do this would result in the individual falling into debt, and this can spiral into an unending hardship. Also, always go back to your budget and have an emergency fund set aside to take care of any unforeseen situations that may come up later.

simply put it, don't live beyond your means. if you know you are in tight budget, just make your own coffee rather than buy in starbucks or other coffee shop. just a simple example that will give you idea how you need to act in your situation. have a monthly budget of your necessary needs. as much as possible pay your bills on time. piling up would not do good in your budget as it may incur penalties.

Davidvictorson

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To thrive with a low income, the individual must have a monthly budget and stick to it strictly. Failure to do this would result in the individual falling into debt, and this can spiral into an unending hardship. Also, always go back to your budget and have an emergency fund set aside to take care of any unforeseen situations that may come up later.

fadhilz123

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Quote from: Wong Gendheng on February 01, 2023, 09:52:48 AM

Successful people will make anything potential, many successful people in areas who have low income, I see the things they do is dare to provide convenience and capital loans so that they can get big profits, for example agricultural areas and there are people who dare to finance farmers from processing Land to harvest and he gets very good profit sharing.

It only takes advantage of existing opportunities to earn income because those who have capital also see who still needs capital to carry out their work by applying loan regulations to the agricultural sector and also other sectors besides agriculture. Because the target of the capital provider is to get profit through this in order to continue to rotate their capital so that the income is always there and does not make them too tired in managing it.

Smartvirus

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Quote from: mk4 on January 30, 2023, 09:55:58 PM

* Don't forget to spend only a teeny tiny of money on wants, and only buy wants when you have a budget oversupply. Needs first — always.

* Increase your income. Saving can do so much.

Does it ever gets surplus @Budget? Mine often ends in deficit no matter how hard i try but somehow, I get to archive most of what I've got palnned out.

I really do think how to survive is not something you really get to teach someone. Most persons have got the know how to this tricks but somehow, perhaps due to societal influence, peer pressure and low self esteem, one tends to go out of his or or way to measure up in status. That's such a sad way to live really. You'll just find yourself living another man's life while yours stay inhibited andost times, your left thinking just how to make your shoes fit.

Just know your income range and when it comes periodically, the better. You scale your needs and wants to what is commensurate as per funds and spread it through when your sure to get the next pay. Also, learn to keep something aside for emergencies and some investment. Cool!

stompix

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Quote from: uneng on January 31, 2023, 05:46:18 PM

Quote from: stompix on January 31, 2023, 04:39:11 PM

~

I'm not a smoker, so I did an average calculation considering a cigarette pack costs about 1$, as I found prices varying from 1$-1,60$ and I know people usually smoke a pack a day (20 cigarettes).

Hmm, how do we call this thing, being lucky or truly unlucky that a pack is so cheap? It's usually around 5-7 for a pack here depending on the blend. I'm usually against taxation but making things like alcohol and tobacco cheap for countries with low income shouldn't be a thing, normally one should think of making them even more prohibitive than in rich countries where they can afford this, but it seems like every politician wants to keep those cheap
Panem et circenses to keep the masses happy.

Quote from: uneng on January 31, 2023, 05:46:18 PM

But I have to say the shipping system is getting better each new year. Delivery is getting faster and costs remain acceptable, as the state's courier/post office's service lost protagonism and private companies and individuals are taking its place (example of delivery fee: a bit less than 1$, just now for a smartphone purchase).

Yeah, you have low costs with gas and probably bike transport, low wages, if that is applied to a high-density populated area you can bring those fees down, anyhow I have zero delivery fees here for some only shops but it still can't beat in store prices, at most it'ss the same prices but you will never get a better deal online alone for groceries, most real good deals are of limited availability and not even feature in the app as they are sold out in hours.
Second, most of the chain stores have a 20-50% discount on products near the expiring date, those are only for in person so somebody in desperate need of savings will still go to a physical store.

I still think that the best way to save is by what you buy not really what method of shopping you use.

Jody.Drummer

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Quote from: jaberwock on February 01, 2023, 02:26:23 PM

Quote from: Jody.Drummer on February 01, 2023, 11:48:14 AM

Yes, it's actually much better to live normally without thinking about what other people might think, it will make our lives calmer in the face of the harshness of life. Even if you think about it, why do you want to be seen by other people, if in reality the life you live is fake (because you want to be seen by other people). It makes us uneasy, because we don't want other people to know what we are going through. It is possible that other people will respect, but respect can not only be obtained with that alone, with more respect for others, it will also provide good feedback for us.

I think humble is the right word there because most of us are already living normally, it's just that some of us are not humble but they want to be showy. I don't know why they are doing this but maybe this makes them feel good when they think they are more superior than the others. It's also hard for them to accept the fact that there are better people than them so they even try harder as well.

I don't think those type of people can earn a respect but we humans are smart and we know if who deserves our respect. They are the people who are not too cocky. They are the people who are just humble because they also have a good heart.

Actually, in this case, I don't think it's showing off either, because regardless of anything, not seeing or not getting too involved in other people's business is really not something that can be shown off, but I quite agree with what you said because everything depends on us in our true attitude as long as we are we don't do anything that is out of bounds and our attitude towards other people is of course knowing the limits then other people will also treat the same thing and vice versa because I still believe that what we plant is what we will reap and of course when well then the feedback will also be good.

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Quote from: erep on February 01, 2023, 04:48:56 PM

I don't understand why active smokers say they can rely on it to clear their heads, I define that you just need time alone to think but not because of the influence with cigarettes, but the cost of cigarettes is increasing because the government increases cigarette taxes because they think that smokers will still buy them regardless price. But it's hard to stop smoking addiction and you can reduce the addiction to 10 cigarettes per day so that it will slowly make you quit smoking. Consider your economic problems and it is better to meet basic needs and savings than smoking has been spent and only leaves disease in the body.

I have been trying to reduce it recently, but I have OCD, I overthink a lot, Migraine, all of that. So even if I try, in the end I end up doing it again. I know that it's not good. I know very well what it's doing to my body. But now it has become an addiction. I will try to control it, and it has been affecting my life so much.
Thanks for the advice.

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Quote from: mk4 on January 30, 2023, 09:55:58 PM

* Don't forget to spend only a teeny tiny of money on wants, and only buy wants when you have a budget oversupply. Needs first — always.

* Increase your income. Saving can do so much.

Focus on your needs. That’s the most important so you sustain living your life without getting into debt. Buy only your wants if you think you already can afford it, as you have spare money to spend for it. And for you not to suffer with the increasing prices brought by inflation, then manage your free time and get some extra sources of income that will make use your own talents and skills. I guess that’s not hard to realize as long as you have goals to achieve, and you have set the plans on how to achieve them.

erep

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Quote from: tjtonmoy on February 01, 2023, 12:39:16 PM

I live alone and have few friends. I never try to show off my living life. So I am doing good on that part. But the habit of smoking is getting bad day by day. I need at least 20–25 cigarettes a day. It does not come cheap. I am trying to get rid of it, but situations are sometime so bad that I have to rely on it to get my head clear.
Without this, I have no problem living with a low income. But still struggling a little. Hopefully it will be over soon.

I don't understand why active smokers say they can rely on it to clear their heads, I define that you just need time alone to think but not because of the influence with cigarettes, but the cost of cigarettes is increasing because the government increases cigarette taxes because they think that smokers will still buy them regardless price. But it's hard to stop smoking addiction and you can reduce the addiction to 10 cigarettes per day so that it will slowly make you quit smoking. Consider your economic problems and it is better to meet basic needs and savings than smoking has been spent and only leaves disease in the body.

Sanitough

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Quote from: Hispo on January 30, 2023, 08:38:37 PM

Quote from: uneng on January 30, 2023, 08:11:37 PM

Get rid of addictions/habits: addictions or habits (in mild cases) are harmful not only for your health, but also for your finances. Cigarettes and alcohol are responsible for consuming a large portion of the income from individuals living on minimum wage. It's not that unsual to find people spending at least 1$ on cigarettes daily, what after 1 month will result in 30$ expenses, which could be going into bitcoin investment, for an example.

As someone who has seen people living on the line of poverty before, I can tell you that this step is extremely tricky.
I am talking about people whose one of the few escapes from reality they had was smoking, drinking or gambling, most of the time as a social activity to relieve their struggles. They do not even bother to count how much money they spend on beer or cigarettes, by the way.

I recall certain case of this man who used to smoke so much that if he stopped smoking for a day he started to feel sick, flu-like symptoms.

I guess that’s because that man is simply closed minded. Although I have often hear same instances like that, but to put it in general, those kind of people are just afraid to change because they think they would still fall on their vices again later on. And as what I have often observed, those who fall for different vices are usually those who have no permanent jobs, as they have more time for their vices than to look for a stable source of income that will make them busy with and that will give them a good income.

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Quote from: Jody.Drummer on February 01, 2023, 11:48:14 AM

Quote from: jossiel on February 01, 2023, 09:29:05 AM

As for me, it's better to look too low in the sight of the others but they don't know the actual situation that I've got, whether it's tough or not.

The problem with those people that are only living but to brag with what they've got and only want to be praised by other people, they'll have hard time dealing with changes regards to that thought they have.

Through the side hustles, whichever is comfortable to you, they're really great ways to have another source of income and you can allocate the profit there to any of your bills or desires.

Yes, it's actually much better to live normally without thinking about what other people might think, it will make our lives calmer in the face of the harshness of life. Even if you think about it, why do you want to be seen by other people, if in reality the life you live is fake (because you want to be seen by other people). It makes us uneasy, because we don't want other people to know what we are going through. It is possible that other people will respect, but respect can not only be obtained with that alone, with more respect for others, it will also provide good feedback for us.

I think humble is the right word there because most of us are already living normally, it's just that some of us are not humble but they want to be showy. I don't know why they are doing this but maybe this makes them feel good when they think they are more superior than the others. It's also hard for them to accept the fact that there are better people than them so they even try harder as well.

I don't think those type of people can earn a respect but we humans are smart and we know if who deserves our respect. They are the people who are not too cocky. They are the people who are just humble because they also have a good heart.

Hamphser

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Doesn't matter how depressing is your day, never give up:

Live must go on and it doesnt matter whether you are living on a hard situation because everything could changed up if you do really make yourself that eager on trying to enhance your lifestyle and status.
You wont really be able to achieve that if you arent really that doing your best and hard work for you to achieve such condition.If you do have that low income then try out to do your best on finding another source and dont easily get discourage if ever you would be facing up some challenges along the way.Live by your means and not on wants and trying out to enhance if you do have the opportunity that you do able
to see along the way.It is really just a matter on how someone would be handling out their lives.

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Quote from: Bitcoin Smith on February 01, 2023, 10:53:52 AM

Quote from: xSkylarx on January 31, 2023, 09:48:01 AM

Quote from: Findingnemo on January 31, 2023, 05:19:01 AM

There is no point in beating a dead horse that is how when you feel there isn't enough income in your locality then move to a place where the wages are better not even too far just to the nearer city where you can have better salary but comes with more hard work then only you can bring the real change in your financial status.

It would be easy to say but difficult to do because if you move near a city, the expenses are also so high that it is just enough for you to survive, like paying rent because your home is far away and the food is more expensive than in your area. Though the opportunity in the city is endless, it would be great if you could cut your expenses like you have relatives to stay with or it is just really near your home. Then getting hired by those companies where you will start with a high salary is difficult; you still need more experience or time to render in a company before getting an increase.

Nothing comes easy in this competitive world so if we don't want to be in the trap then we have to get out of our comfort zone to make any real changes.

Well the rent can be bit expensive but food will not be a big problem because all we need to do is to cook on our own to save big chunk or else better find a job which provides accomodation at first then we can climb further based on our working skill.

You can really find cheap foods or cook meals that last you a day, but finding a job is really difficult. Most people right now are taking jobs that they are not experts in because of the competition right now, as a lot of applicants would apply for a certain position. The only solution really is to find a job first before moving to a city and compute if it is sufficient or not, because if you are struggling, then it is okay to stay even you struggle at your current job but at the same time apply for another job.

tjtonmoy

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I live alone and have few friends. I never try to show off my living life. So I am doing good on that part. But the habit of smoking is getting bad day by day. I need at least 20–25 cigarettes a day. It does not come cheap. I am trying to get rid of it, but situations are sometime so bad that I have to rely on it to get my head clear.
Without this, I have no problem living with a low income. But still struggling a little. Hopefully it will be over soon.

Jody.Drummer

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Quote from: jossiel on February 01, 2023, 09:29:05 AM

Quote from: Jody.Drummer on January 31, 2023, 01:01:01 PM

Yes, people who live by wanting to be looked at by others is a lifestyle that is not good. There is a difference between being someone you look up to and someone you want to look up to. Usually they hold whatever they don't have as long as they get more views from other people. And what they do is excess, and excess is not good.
A side job is an option for everyone who wants to develop. Surely it will take up a lot of time and energy because we have to work extra in addition to the main job. But if we do it sincerely and with joy, it will be easy to do, moreover, a side job is something we like.

As for me, it's better to look too low in the sight of the others but they don't know the actual situation that I've got, whether it's tough or not.

The problem with those people that are only living but to brag with what they've got and only want to be praised by other people, they'll have hard time dealing with changes regards to that thought they have.

Through the side hustles, whichever is comfortable to you, they're really great ways to have another source of income and you can allocate the profit there to any of your bills or desires.

Yes, it's actually much better to live normally without thinking about what other people might think, it will make our lives calmer in the face of the harshness of life. Even if you think about it, why do you want to be seen by other people, if in reality the life you live is fake (because you want to be seen by other people). It makes us uneasy, because we don't want other people to know what we are going through. It is possible that other people will respect, but respect can not only be obtained with that alone, with more respect for others, it will also provide good feedback for us.

bittraffic

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Quote from: rby on February 01, 2023, 10:45:08 AM

Quote from: Xampeuu on January 31, 2023, 11:51:49 PM

Quote from: Darker45 on January 31, 2023, 07:51:58 PM

Where I come from, the problem most of the time is that many want to impress others. Many live their lives trying to be pleasing to the eyes of other people. So they want to have branded clothes, branded shoes, branded everything. They want to have an expensive phone even if it means taking a loan to buy it.

With a low income, I'd rather live in the most practical and simplest way possible. My friends used to make fun of my keypad phone because everyone else was already using smart phones.

The main factor in destroying a person is lifestyle. so that many people are destroyed because they follow the trend while their income does not support it, so that in the end it makes it difficult for themselves because of an inappropriate lifestyle. indeed it would be better even though we are rich, but still have a simple lifestyle, so that our assets will continue to increase, and guarantee our old age life, when we are unable to work. because nowadays many people prioritize prestige rather than function of an item

I don't actually know what people get by showing off. If you are worth $10k and you pose yourself to worth $500k, you only putting yourself under pressure and also then people will only be surprised at you when you cannot live upto the expectations for people who worth $500k.
But when you are worth $2M but appear to worth $10. Everyone will be surprised when they know your actual worth

Social media makes people show what kind of people are on thier platform. It's how they show social status and I can see some friends showing those pictures they just arrived from a vacation which they visit abroad and visited a prestigious beach hotel with pictures on Facebook. It's not bad going having a vacation but if you spend more than you can afford, that would be a problem.

True. People will appreciate when you get rich, they'd be happy for you. Even if it's true, it's better to not show it to the public. Keep it to selves.

YOSHIE

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Quote from: uneng on January 30, 2023, 08:11:37 PM

One of the biggest difficults in life is to manage growing your patrimony and income, when earning minimum wage and living in poor areas where opportunities are scarce, as is the money circulating in the local economy. Some hints that could be useful:

No objections, for suggestions, directions, steps that you said exactly 100% reasonable idea, for people who think about it, I'm sure all of us know that, cigarettes, alcohol, shopping, luxury lifestyle all that is a real waste for the economy and human life.

• The problem here is that many people can't afford to throw away and do all that, especially cigarettes & alcohol.

I once met a person, by chance that person lived close to me, he told me, smoking can kill you, smoking can make you poor, so give up smoking from now on, what he said is still stuck in my brain.
Before he spent on cigarettes one day $ 3 a month $ 90, that's just for cigarettes, nothing else, 5 years he has thrown away cigarettes, the money he piggy bank every day now the cigarette money he has collected is $ 5,400, just imagine the money we spend on cigarettes, let's try to invest in Bitcoin as you said, it's unimaginable in the next 5 years, if Bitcoin breaks to the level of $ 100k, the economy will automatically change drastically.

I trust your suggestion.

Quote from: uneng on January 30, 2023, 08:11:37 PM

Step by step you are going to improve your financial status, be patient and determined. Good luck!

If, cigarette & alcohol money is invested for Bitcoin, in the future their economy will change drastically.

Bitcoin Smith

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Quote from: xSkylarx on January 31, 2023, 09:48:01 AM

Quote from: Findingnemo on January 31, 2023, 05:19:01 AM

There is no point in beating a dead horse that is how when you feel there isn't enough income in your locality then move to a place where the wages are better not even too far just to the nearer city where you can have better salary but comes with more hard work then only you can bring the real change in your financial status.

It would be easy to say but difficult to do because if you move near a city, the expenses are also so high that it is just enough for you to survive, like paying rent because your home is far away and the food is more expensive than in your area. Though the opportunity in the city is endless, it would be great if you could cut your expenses like you have relatives to stay with or it is just really near your home. Then getting hired by those companies where you will start with a high salary is difficult; you still need more experience or time to render in a company before getting an increase.

Nothing comes easy in this competitive world so if we don't want to be in the trap then we have to get out of our comfort zone to make any real changes.

Well the rent can be bit expensive but food will not be a big problem because all we need to do is to cook on our own to save big chunk or else better find a job which provides accomodation at first then we can climb further based on our working skill.

rby

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Brotherhood is love

Quote from: Xampeuu on January 31, 2023, 11:51:49 PM

Quote from: Darker45 on January 31, 2023, 07:51:58 PM

Where I come from, the problem most of the time is that many want to impress others. Many live their lives trying to be pleasing to the eyes of other people. So they want to have branded clothes, branded shoes, branded everything. They want to have an expensive phone even if it means taking a loan to buy it.

With a low income, I'd rather live in the most practical and simplest way possible. My friends used to make fun of my keypad phone because everyone else was already using smart phones.

The main factor in destroying a person is lifestyle. so that many people are destroyed because they follow the trend while their income does not support it, so that in the end it makes it difficult for themselves because of an inappropriate lifestyle. indeed it would be better even though we are rich, but still have a simple lifestyle, so that our assets will continue to increase, and guarantee our old age life, when we are unable to work. because nowadays many people prioritize prestige rather than function of an item

I don't actually know what people get by showing off. If you are worth $10k and you pose yourself to worth $500k, you only putting yourself under pressure and also then people will only be surprised at you when you cannot live upto the expectations for people who worth $500k.
But when you are worth $2M but appear to worth $10. Everyone will be surprised when they know your actual worth

Wong Gendheng

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Successful people will make anything potential, many successful people in areas who have low income, I see the things they do is dare to provide convenience and capital loans so that they can get big profits, for example agricultural areas and there are people who dare to finance farmers from processing Land to harvest and he gets very good profit sharing.

Topic: How to thrive with low income in a humble area - page 5. (Read 1147 times)