this post was submitted on 02 Jul 2026
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If moving is cheaper in the long run use your emergency fund. Put it on credit last resort.
You probably don't need to hire movers and deposits/bonds you'll get back unless you're a shit
There’s lower levels of poor that don’t include emergency funds and/or credit unfortunately.
Then they truly can't afford to live there. Move out to a friend/family member, get the bond back, move where you can afford. Or stop paying rent, use that money to move. There are solutions, people just don't want to make the hard decisions
This is an impressively out of touch comment that makes it clear you've never experienced being poor yourself
And if you stop paying rent they put you on a list so you can;t move in somewhere else and then have to either find a complete dive that probably has black mold in the walls and people selling crack on the sidewalk or buy your own home with that epic savings oif three months rent you dind;t pay before the Sheriff showed up to evict you.
Did you miss the part where they literally can't afford to pay rent in the first place? They're already going on that list
So homeless and jail. Nice solution, removed.
youre solution is to have family or friends.
family can suck, and its hard to make friends when you are poor, youre friends are also gonna be poor. Go you, who sounds well off, or at least stable, go make friends with someone on the poverty line. How many friend oppourtunties I lost because I was too broke to go do the stuff they do all the time.
also, putting that on your friends is a shit thing to do. and it feels like shit to be "needy". Most folks will let you crash there couch a few weeks max, which isnt enough time to do anything at all, except find the next spot to crash. this kinda life sucks, and is super demoralizing. Now youre just looking for trees you can hang a rope from.
Most of the truly poor also have bad credit or no credit due to, well being poor!
And bad backs.
Better keep renting the place they can't afford because nothing will ever get better and they certainly can't live out of their car or a trailer park for a short period to take real steps to helping themselves
People like you are fucked in the head. Your advice is literally "just be homeless and pick yourself up by your bootstraps".
If your argument is that people should suffer an undignified and substandard living experience just to afford the basic necessities of survival, then you literally deserve to have everything taken from you and forced into the same position you're advocating for.
Do us all a favor and go bite a curb.
I understand what you're saying - I've known people who would say things like "even the cheapest groceries cost me $100, I can't afford them!" when they could instead suffer through a few months of eating nothing but ramen noodles and multivitamins in order to save up some money for cases like these. A terrible few months that they don't deserve, but a worthy sacrifice to allow for a better life in the future. A lot of us have had to do it, and many of us are in a stable financial situation now because of such past sacrifices.
However, I've also known people who were already eating nothing but ramen, and were already living out of their car, and were already sneaking into the gym to shower, and still couldn't save any money, often because it's very difficult to get a job when you're already that far down to rock bottom. You're thinking people can't get that low - that they can always go a bit lower for the sake of saving up enough money to escape that life - but there are enough people so far down that you can't assume any given person has the option to go lower.
This discussion is presented as nobody should try help themselves because some people are doing it tough - you're now getting into extreme outliers and there's plenty of support services (both govt and charity) available for people in those circumstances. Go to a food pantry instead of buying overpriced groceries. If you have that much debt you can't afford to eat, go through bankruptcy. There are always options. It's a choice to remain at the very bottom
How are you this thick that absolutely everyone you interacted with in this thread has said you are out of touch and you just refuse to even entertain the idea. You are the real life "it's the children who are wrong" meme.
Echo chamber go brrrrrr
This thread is literally defeatism. You cannot seriously tell me with a straight face there is not one single thing that can be done to escape a situation where rent is too much to afford
go work, or volunteer at a homeless shelter for one month. I fucking dare yo bro. I double dog dare you.
wouldnt last a day
Your answer to the problem was to "put it on credit". Tell me, wise one, how they (in that position) would have credit to put it on? What was your solution again?
Someone in that position likely already has several lines of credit open. If not, there's always someone willing to lend money - the question is the interest rate
Depending on credit history and how bad the situation is (in this scenario they have been able to afford rent until the raise), the interest rate on a credit card might be 25-35%pa with a small credit limit but if it's their last resort then that'll work in a pinch
Ok. so troll it is then. You can not possibly believe this. Holy fuck.
no they dont.
I have never had a credit card, but I owe the electric company so much money it went to collections. My credit has never been over 600, but usually chills in the 500 range. No one, not even when I was 18-25, before the debt, would give me a credit card. The bank wanted me to give them $500 back then, and then run a line from the money I already gave them to build credit. I didnt have $500 extra laying around to give them, so I never did it. Then a few collections come cuz you cant pay, and now you have terrible credit without ever having taken credit out.
Living paycheck to paycheck, can be, living paycheck to four days before paycheck. There is nothing to give.
So, if you're down and out, all you have to do is stop being down and out? It's that easy? Why isn't everybody doing this? Just stop being homeless and poor, it's a simple choice!
I choose to be a billionaire! Now give me all your money, I deserve it more than you!
Oh, I'm going to be good at this.
You're really stupid
Don't breed
It is APPALLING that living out of your vehicle has actually become a viable living situation in the 21st century. I am reading about people GRADUATING from college, and planning on living in their car for a few years, to save money, and pay off their student loans.
THAT'S NOT SUPPOSED TO HAPPEN! Living in your car is being homeless, and planning for that is the sign of a VERY unhealthy society.
My emergency fund has been eaten by eating over the past few years.
Now it's getting down to "Eat, or pay rent?" as a choice.
It’s such a tough spot, I’m sorry you’re experiencing it right now. I hope your luck turns around soon.
Once your food bills started depleting your emergency fund, what steps did you take to help improve your budget?
How fucking out of touch are you? I'm happy for you that you're well insulated but your comments here are akin to telling someone who's suicidal to try smiling more
It's more like telling someone who's suicidal that "it's your own fault you're unhappy" and then telling them "it wouldn't kill you to smile for once".
Sacrifice your child?
my child only cried once he was hungry with no food in the house. Already using food banks, I started stealing food from work. The maitenence department had thier own fridge, and often there would be whole boxes of burritos or all the stuff to make sandwhiches. The guys would bring thier whole weeks of lunch and store it in there.
I started stealing thier food for my one meal a day. I hated myself for it, but I had to feed my kid. The christmas he was 3, We had ramen topped with a can of corn for christmas dinner. His fourth birthday, I had no money for anything. Had $8 to my name, and got him a dominos take out pizza for himself. He didnt have any presents that year. I only comforted myself knowing he wouldnt remember.
I cried myself to sleep a lot in that time. I hated everything about what I was doing to get by. I have a sister who had moved many states away, she told me at one point she was dumpster diving, she luckily had an involved and loving father to her kid, so she just wouldnt see her kid when she couldnt afford to feed him.
This comment informs me that you have never been close to poor. Poverty is, in fact, very expensive, believe it or not. The entire idea of an emergency fund is something that only the wealthy can afford. I don't intend to be US centric here, but around 43% of Americans cannot afford a $1,000 emergency .
That is a lot of people. Around 150 million in the US alone. I can break that down further by individual nation states if you'd like.
The article tells you why..
People don't understand the word emergency and do stupid shit like repay student loans with it and spend their emergency fund for holidays
That's willfully spending the emergency fund unnecessarily
This informs me that you not only lack reading comprehension, but you are also an ill-informed troll. I would say "goodbye", but a "fuck you" is more in order, so I will go with that.
Most people do not have the opportunity to 'put away' the emergency fund you are accusing them of wasting. Are you new to the Earth? Or just a troll?
It must be nice to be so financially confident that you can't even imagine that paying bills consists of hard choices for MANY people, especially those renting. If they could save up an emergency fund, they could probably use it as a down payment on a house. Or would that we a waste, too?
It also must be nice to be so Sociopathic that you can just chalk up their lack of emergency fund to spending it on vacation or paying stupid bills like student loans. Dumb Welfare Queens, huh?
"Biff! Stop talking to the poors on Lemmy. We have to get to the club, I have Pickleball at 2."
"Coming Muffy!"
If they can't afford an additional $300 a month, they don't have an emergency fund, and they probably don't have credit, and if they do, it's probably 20%, which is worse than going without.
And show me a rental that doesn't require a security deposit. Your assumption that anyone who pays a security deposit is a "shit," is one of the most tone deaf things I've ever heard.
You sir, are a vile individual. Please consider yourself encouraged to go take a flying fuck at a rolling doughnut.
That's the funniest thing I've read today, a majority of people do not have $300 in savings to their name. A majority of people are living paycheck to paycheck. There is no emergency fund. Something simple like a flat tire is enough to cause significant financial hardship
Found the landlord.