Is anyone struggling financially?

[8.1HD/ALLISON]

Glad to hear shes ok. I feel ya. This sprung I ended up in the hospital getting my appendix removed. $13,000 later I was thankful for insurance. Never know what tomorrow will bring.

 

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[Archaic2021]

I'm only 25 and I haven't had it rough yet! I work in the Coal industry and as everyone knows right now is under attack. I work hard for what I have 60-70 hour weeks. It's not fun, but I'm trying to make something for myself.

 

Who knows..one day I may walk in and we shut down (God forbid). I might have to quick sell my truck and toys who knows they may get repoed BUT my place for now is payed for and I have 25 acres paid for to myself!

 

Had a friend live with me for a few months after going threw bankruptcy. At first what he went threw seemed pretty bad, but at the end he sais he is better off. Pays with everything in Cash now. Which I try to do but..then again gonna enjoy life while I can lol.

[RyanbabZ71]

Glad to hear shes ok. I feel ya. This sprung I ended up in the hospital getting my appendix removed. $13,000 later I was thankful for insurance. Never know what tomorrow will bring.

 

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I hear ya 2 yrs ago ACL surgery $15 K bill luckily insurance covered most. That year I hit my max out of pocket $6k die to my sons ear surgery, my knee, and out daughters birth. Planned that year well

 

 

Ryan

[KARNUT]

If I had all the money I paid in health insurance I could retire in two years easy. All of us in my family co. has paid a few million in the last 40 years, used around 100k. Now its 2k a month for me and the wife, thank you Mr.O sure am enjoying the savings. Give me a high deductible for emergency or surgeries Ill pay the rest. Im sure next year it will be both high payments and high deductible.

[Daryl Z71]

Glad to hear shes ok. I feel ya. This sprung I ended up in the hospital getting my appendix removed. $13,000 later I was thankful for insurance. Never know what tomorrow will bring.

 

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Thanks, and wow that's crazy!

[SnakeEyeSS]

My Wife and I were getting ahead pretty good recently until Friday. We took a two day and one night trip only to come back home to one of the dogs sick.

 

We took her to the vet the next day, and wasted $58 on a visit that accomplished nothing. Thursday night she was still sick so first thing Friday we took her to the animal hospital. Turned out she got into rat poison. No idea how or where? We couldn't find any anywhere.

 

After blood work, an overnight stay, and a plasma transfusion she's okay, but our wallets aren't. Were just glad she's okay. It's always something though it never gets better.

One of the neighbors not like your dog? Any sociopathic tendencies exhibited by neighbor kids?

[Daryl Z71]

One of the neighbors not like your dog? Any sociopathic tendencies exhibited by neighbor kids?

Actually yea. We got into it a few months back about the 16yr old riding his fourwheeler up and down the driveway at 1am, and to top it all off it has no baffle in the pipe. Now I don't mind him riding, but not at 1am that's just ridiculous.

 

Anyhow our one dog ran over there one day (she's probably 10lbs and friendly), and he was complaining about that, and I reminded him that his dogs have done the same, and we've never complained.

 

Needless to say I checked all over the yard to make sure they didn't throw anything into the yard, but I didn't find anything.

[LaserBlueZ71]

I guess I can be thankful for being Canadian. Our healthcare is rolled into our income tax. People say it is "free" but it isn't. Your paying for it, you just don't notice it. Still, what we pay in comparison to you guys south of the border is a lot less. The downside here is that you have to be in pretty bad shape to get treatment. They won't do elective surgery just because you want it.

 

I hope next year will be a better year. Just last week, me and my fiance struck a deal with her parents (they own the property we currently live on) for cheaper rent in exchange for doing a lot of the yard work around here. It's 7 acres, so it is no suburban lot. The funny thing is, I have been doing all of this stuff the entire time we lived here, but never thought to bring up the $ issue. They agreed to give us cheaper rent in exchange for my labor looking after a property I do not own, so that will give us some money to finally start paying down our debts!

[idnative1948]

Struggling? No, but I will turn 66 on Saturday and am from a different generation. Both wife and I grew up knowing the difference between needs and wants. Neither of us ever had a car payment in our life. Did without a helluva lot raising the kids and helping them out in college. By helping I mean just helping, was not a free ride for them as they worked while going to school. House is paid for and have our *toys*, a little shack in OR, older snowmobiles, older travel trailer, ATV. Wife will not give up her 96 Tahoe, but we did splurge on the '05 HD (paid cash) to pull the trailer. 'Bamer care for my wife is kind of painful at $584/mo, but that is what she gets for being younger than me. We have no iPhone, no cable/dish, go out to dinner once a month, no fast food, but these are decisions we made a long time ago. Screw the Jones' we don't have to live like them.

[KARNUT]

Most every one that pays their own way will get a big hit in the next few months, and so will the economy when disposable income goes way down. The real healthcare bill will come due and watch out. It really burns my ass that my wife and I were allways frugal and saved, now have to pay 2k a month for health care. So far we as a family owned co. been able to provide insurance with a little co. pay for our guys. That could end, all the while every where we go our Doctors have posted Obama care not taken here, what a mess. I guess with the frequent postings on this thread people are going to think Im nuts, no just very worried.

[BlackZ71Silverado]

Fortunately, we are not struggling at all. I guess I can say that we are very fortunate when it comes to income and keeping our finances in line. I am lucky to have a very good paying job and my other half being an attorney for the agency I work for does very well also. Her parents also have their own high power law firm and always seem to be buying things for us and we really appreciate it. It all comes down to living within what your pay check allows. It's hard to do at times but it's what we all have to do if we want to survive. When you live paycheck to paycheck there are things you need to sacrifice.

The way it looks on this forum, NOBODY here appears to really be struggling or we would not be able to afford the vehicles we drive.

[Spurshot]

From my little knothole, there seems to be several ways to make it to the big time. One way, more prevalent than you'd guess, is just dumb luck. Standing the right place at the right time seems to be a common thread among some wealthy people I've met. Hard work alone seems to be way down the list, if not coupled with some other key factor (see previous way). The other is working very smartly, (couple that with the first way and you have something).

 

For working stiffs that work for someone else, like most of us here, our incomes are based on education and how smart we work. The biggest mistake I made was delaying my formal education until I was older. It cost me hundreds of thousands if not more. I'm doing extremely well now, but I'm also near retirement. It could have come so much sooner and easier had I gone to college right away.

 

Work smart, not hard.

[j-ten-ner]

...

Work smart, not hard.

...

 

May I add: The easiest way is most likely the most efficient way. But not necessarily the safest.

 

so long

j-ten-ner

[Spurshot]

All this talk of only buying what you need instead of what you want is just contrary to everything I strive for. It's un-American. The goal, as I understand it, is to make as much as you can so you can have what you want. That's what my goal has been, anyway.

 

Being satisfied living in a trailer, driving a POS, eating hamburger helper, but free of debt, has never been a goal of mine. Go for the brass ring! Why the hell else did our country's fore-fathers and our military die fighting? It was so we're all free to aspire to live the life we want, not "need".

 

"Apply yourself. Get all the education you can, but then, by God, do something. Don't just stand there, make it happen." Lee Iacocca

[KARNUT]

Believe in your self, start you own company, work hard weather the storms. You may not get rich, but its sure is nice being your own boss and making your own way. I always went the extra mile even when I worked for some one else, made it so I made their life easier, than it mine easier too.