this post was submitted on 27 Apr 2025
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A Boring Dystopia

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[–] MissJinx@lemmy.world 81 points 2 days ago* (last edited 2 days ago) (7 children)

never understood this. If you can't buy it now will you be able to.pay later?! You need groceries every month

[–] deceased@lemmy.ml 83 points 2 days ago (2 children)

If you're living paycheck to paycheck, it takes one unexpected expense and suddenly you're hustling to get food on the table. The cycle then repeats itself.

[–] Landless2029@lemmy.world 54 points 2 days ago* (last edited 2 days ago) (2 children)

I've been there. It's expensive to be poor with little to no way out.

You need a car to work. Cars are expensive. You get a old clunker.
You work and live check to check. Maybe $50 or $100 left over after taxes and expenses. Not really possible to have an emergency fund.
A single injury or car breaking down and you need to borrow money. From family, friends or some shitty company.

Oh and then your yearly raise comes around at $1/hr that barely covers your rent increasing let alone inflation.

[–] veroxii@aussie.zone 21 points 2 days ago (2 children)

The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. ... A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. ... But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes 'Boots' theory of socio-economic unfairness.

[–] Landless2029@lemmy.world 13 points 2 days ago

Yep. This tracks.

My issue now with products is planned obsolescence. Any things aren't made to last like they used to. They also have extra technology in them making them harder to repair. Appliances, cars and more.

[–] bdonvr@thelemmy.club 25 points 2 days ago (4 children)

Whoops some bill auto-drafted unexpectedly

Your account is negative now, oh and throw a $25 fee on top.

Looks like you're scrounging for dinner tonight. And the rest of the week. Maybe skip some meals because you have no choice.

Shit sucks ass.

[–] JustOneMoreCat@lemmy.blahaj.zone 7 points 2 days ago (1 children)

Once I bounced a check to our water company and they refused to take checks or credit cards from me for a YEAR as a punishment. It was a one-time accident after paying on time for around seven years. I literally had to drive my ass down there with cash. It's a small rural water service, not a big corporation - they chose to be complete assholes even after I explained the situation (we had a baby that month and forgot a monthly $ transfer in the chaos).

Same mistake probably cost us $120 in overdraft fees. Society financially punishes people who need money the most and rewards the people who have plenty. It's ridiculous.

[–] bdonvr@thelemmy.club 4 points 2 days ago* (last edited 2 days ago)

I once had my electricity bill bounce, and they forced me to pay a deposit of $250. So the amount I owed went from $100 to $350. Plus a late fee. And they never return the deposit until I had paid on time for 2 years.

That was a bad time.

[–] MangoPenguin@lemmy.blahaj.zone 10 points 2 days ago (1 children)

Getting a checking account with no overdraft fees is definitely a plus in those situations

[–] Confused_Emus@lemmy.dbzer0.com 4 points 2 days ago (1 children)

Recurring charges like utility bills are often processed regardless of overdraft protection status - ultimately at the bank’s discretion, and you can be sure they’ll pick the option that gets them the most fees. Overdraft protection only seems to stop you from using your card for a new transaction with insufficient funds.

[–] MangoPenguin@lemmy.blahaj.zone 2 points 1 day ago* (last edited 1 day ago)

Yeah I meant banks that allow overdraft but charge no fees, Ally for example.

Using a credit card is also a good option, just as long as the budget is managed correctly to avoid running up more and more debt.

[–] Landless2029@lemmy.world 6 points 2 days ago (1 children)

Peanut butter and bread it is!

Food banks are a godsend in these situations. Don't donate money. Find a local community center that offers assistance and donate foodstuffs. Things like rice, canned beans and mixed veggies are always welcome.

[–] fluffykittycat@slrpnk.net 16 points 2 days ago (1 children)

From what I understand food banks would rather your money than those nasty old cans in the back of the pantry

[–] Mirshe@lemmy.world 17 points 2 days ago (1 children)

Actually, yes. Donate what food you can, but I promise they have enough cans of beans, bags of rice, etc to last until Jesus comes. Especially because different areas have different people - one local pantry might just need a little bit of everything, while another one on the north side of your city needs a lot of vegetarian and halal options because of the people it serves in that area. Especially, donating money lets that food bank get things that aren't strictly necessary, but can make life that much more bearable - pastries, cookies, candy, snack foods, etc. Sure, it's not healthy and I can hear you all sighing from here, but imagine this is your sole source of food for the month. Having a package of shelf-stable Little Debbies or whatever can seriously make your day just a little more bearable, instead of going "oh boy beans and rice for the 23rd time this month."

[–] Regrettable_incident@lemmy.world 5 points 2 days ago (1 children)

Dog and cat foods are good things to donate, also sanitary items.

[–] andros_rex@lemmy.world 4 points 2 days ago (1 children)

Pads and tampons are always needed.

[–] FordBeeblebrox@lemmy.world 3 points 2 days ago

Socks, razors and soap too.

[–] gingernate@sopuli.xyz 0 points 2 days ago

Get a less shitty bank

[–] MissJinx@lemmy.world 3 points 2 days ago

I understand the need but you just push the snowball hoping for a miracle.

[–] chilicheeselies@lemmy.world 29 points 2 days ago

If you are at the point where you are buying grocoeries in installments, who cares about paying it back. What good is a good credit score if you cant afford to buy anything anyways. Just survive any way you can at that point

[–] sp3ctr4l@lemmy.dbzer0.com 30 points 2 days ago* (last edited 2 days ago) (2 children)

Cost of living is too high, put it on credit.

Your alternative is starve now.

Either way, this is about to get a lot more bonkers in roughly the next 30 to 60 days as Just In Time delivery... kinda just, stops working, and grocery stores will have to both raise prices and ration items per customer per week to deal with shortages and try to minimize in-store injuries and deaths.

Go look up a compilations of black friday shopping stampedes.

Imagine that, but for groceries, every time a grocery store restocks.... for the forseeable future.

[–] SpaceShort@feddit.uk 11 points 2 days ago* (last edited 2 days ago) (1 children)

That's probably part of why the capital class want fascism. Because if that happens in a democracy, they would have their capital expropriated.

[–] sp3ctr4l@lemmy.dbzer0.com 13 points 2 days ago* (last edited 2 days ago) (1 children)

Historically speaking, basically, yes, the capitalist class essentially always sides with a nascent fascist movement as it is opposed to making any truly meaningful concessions to workers.

But it is important to note that fascism is, or arises from... an ostensible capitalist democracy ... in decay.

It arises as a reaction to the over exploitation of the capitalists.

The fascists are always incompetent idiots at actually running anything, actual policy... beyond being brutally indimidating and violent bullies.

But! They promise growth and stability.

Morons believe them. Many of these morons... are the capitalists.

This works well for a while, but eventually, fascist mismanagement leads to the capitalists actually having a whole bunch of their businesses collapse, as the economy broadly suffers, or maybe its war time babyyyy and oh well turns out that its also bad to fund endless foreign invasions and/or be invaded yourself.

But, by then, its too late.

The capitalists sided with the fascists initially, to avoid structural concessions to workers... but now that everything is fucked, and/or dear leader / the party has some incomprehensible zany nonsense plan... well now the capitalists mostly get either outright or functionally nationalized, and lose even more than if they had just gone with the comparatively more minor concessions to workers.

Poison chalice.

Prisoner's Dilemma, game theoretic suboptimal outcome, that humanity just keeps replicating with minor variations and new flavors.

... Same as it ever was. Same as it ever was...

[–] SpaceShort@feddit.uk 3 points 2 days ago (1 children)

Thank you for the explanation. I hope it doesn't turn into nuclear war. What's happening in India and Pakistan doesn't look good.

[–] sp3ctr4l@lemmy.dbzer0.com 3 points 2 days ago

Yeah... fingers crossed, I guess.

[–] dubyakay@lemmy.ca 8 points 2 days ago* (last edited 2 days ago) (1 children)

Can you elaborate on this? Just In Time delivery? Is this a US thing?

Edit: okay, I looked it up and I understand it now. The ripple effect already happened though when big box stores told Trump to fuck off with the tariffs, because their shelves are empty.

[–] sp3ctr4l@lemmy.dbzer0.com 16 points 2 days ago* (last edited 2 days ago) (1 children)

Yeah, put super simply:

Minimize needed actual storage space and time a thing spends in storage... by relying on very frequent and consistent logistics.

Its very efficient in the sense of minimizing operating costs...

But it is also extremely fragile, a minor perturbation can fuck shit up for weeks or months.

... And we are getting... well basically the most major disruption in the history of JIT as a logistics paradigm.

[–] hazeydreams@lemmy.ca 11 points 2 days ago (1 children)

Really thought we would have learned that JIT is a horrible strategy after covid... That was only a few years ago...

[–] sp3ctr4l@lemmy.dbzer0.com 8 points 2 days ago* (last edited 2 days ago)

America follows Seinfeld rules:

No hugging.

No learning.

... Larry David is even writing poignant political satire pieces just right in the New York Times now!

There was an episode of Comedians in Cars like a decade ago now, Jerry just muses something like... God, is NYC just gonna be nothing but corporate coffee shops and banks?

Yes. Yep. That is what happened.

[–] bobs_monkey@lemm.ee 27 points 2 days ago

Some people don't have the option, and end up relying on these services. It's similar to the payday loan trap. Being poor is expensive.

[–] inclementimmigrant@lemmy.world 17 points 2 days ago* (last edited 2 days ago) (1 children)

Then you've never been poor and living paycheck to paycheck.

There are times when it's either find a loan from someone or not eat for two weeks because something in your house broke and that's unfortunately a reality for many Americans including myself at one time.

[–] MissJinx@lemmy.world -1 points 2 days ago* (last edited 11 hours ago) (2 children)

I understnd financing. The problem is financing groceries. So you cover the unexpected and finance groceries. what about next month?! Unless you get a way to make more money to cover the difference you going ro have to finance again plus interests

edit: I'm sorry, I'm not american and I was trying to understand some decision. I get it

[–] Evkob@lemmy.ca 11 points 2 days ago

Girl, if they don't eat they won't make it to next month! This isn't a financial decision, it's a survival decision.

Welcome to the Sam Vimes Theory of Socioeconomic Unfairness.

That's the kind of choice of surviving that comes with living while poor in America that happens way, way too often.

[–] fluffykittycat@slrpnk.net 14 points 2 days ago

Capitalism isn't paying enough for workers to live off of and they system is papering over it with debt. Problem is debt isn't a sustainable way to do it since it has to get paid back. We've been seeing sketchier and sketchier things happening in finance and when these loans don't get repaid (and this article is a sign we're getting close) the whole house or cards comes tumbling down

[–] HobbitFoot@thelemmy.club 4 points 2 days ago (1 children)

The idea is that if you are throwing a party or buying something big, then this will be useful for those purchases.

It isn't a good idea, though.