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Does Money Solve Our Problems?





It’s been said time and time again- money doesn’t solve problems. It doesn’t replace the important things in life, such as love, family or happiness. Material things come and go, but we only get one life, so lets make the most of what we have now.

I call fucking bullshit.

  
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You mean to tell me I should ignore all of my financial issues and give my loved ones a hug? Is that going to repay my debts? Fix my house? Keep the lights on? I find this to be a ridiculous belief, and almost a rude thing to suggest. Sure the idea comes from a good place, but it literally does nothing to rectify the situation. 

See the problem comes from the fact that the money makes the world go ‘round. Think about it. We’re all out here “getting that bread” just to turn around and hand it back to large corporations in order to live our lives comfortably. 

I’m not even talking about shopping like in the mall, I’m talking bare minimum- rent, insurance, electricity. And the sad reality here is that there are literally millions of people (about 39.7 million as of 2017) who live close to or below the poverty line. That’s about 12.3 percent of our population struggling to make ends meet. 

So what exactly is the poverty line? Well, it partly depends on where you live and how large your family is. According to this article from The Balance, the poverty line for say, a family of three living in the mainland United States (Not Alaska or Hawaii) is at $21,330.

Y’all. That feels SO low. I’m pretty sure I made even less than that working at a grocery store for a year. It wasn’t as big of a deal when I was living in a dormitory and only had my car insurance and phone to pay for, but when I had been living in an apartment with my ex- I never personally saw a dollar of my own money because I had to fork it over for the rent, groceries, light, phone. It's ridiculous how expensive it is just to exist!

  
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Now most of us here reading this are hopefully not living at this level. You look at the numbers and honestly, it SHOULD feel absolutely ludicrous to make this much money in an entire year. But it happens, and these people are living rough. I know some people personally who are legitimately that poor. Their home is falling apart, they’ve worn the same clothes for years. They’re in their fifties and never owned a car their entire lives. Only one of them is physically able to work, making things even more difficult. 

And these people haven’t done anything wrong- they’ve always lived this way, they’re used to it, and I have heard them say the words everyone else says in that situation- “we’re happy and that’s what matters.”

It’s a desensitizing phrase. It takes a serious situation and turns it into a minor inconvenience. You should be happy to be poor, because that means you’re not wrapped up in the material world. Lies. Lies, I say! The system is working against us! Don’t make me get the tinfoil hat.

  
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Now some of y’all reading may know someone like that and understand where I’m coming from here. But some of you may not, and have no idea how bad it is. This is probably because about 50 percent of the US is considered middle class, with the median income ranging from $45,000 to $135,000. Our family falls into this category, which in theory should be a good thing- we’re living decently, not too fancy but we have everything we need. Life is good.

So why am I still having a cow about “being grateful for what I have?” Because with one accident, one storm, one little problem that escalates, our lives could be effectively ruined. I often feel like the middle class is a bit too broad of a description for most of us. There’s usually the term upper or lower middle class, but most of us don’t really think about it or look into where exactly our income falls. Knowing you’re middle class creates a false sense of security. We are financially stable now, but what happens if we get sick or sued? What if we take on one bill too many and start drowning in debt?

The thing about middle class is that we are a fart away from devastation. My family has been a single income household going on two years now, and I’ve gotta be honest- we’re pushing it here. I’ve considered time and again finding a job, but in the end it’s more cost effective for me to just stay home rather than give 90% of my paycheck to a daycare center (and those guys there need to get paid too! It's the ciiiircle of debt). Not many families can do this and while I am grateful to be able to stay home with my child, it’s also highly stressful being home all the time and watching the bills come in the mail, seeing the things that need replenishing or fixing, and not being 100% sure everything is going to get covered next paycheck.

I’m not going to say what exactly my boyfriends income was last year because of privacy reasons, but in theory it’s pretty good. We should be living a little more than comfortably- nothing fancy, just less stressful and unsure. 

Remember how I said before that money makes the world go ‘round? Well we’re here funding all the clinics and hospitals personally with all of my health problems (I am currently uninsured and living with Hashimoto’s and GERD- yay! -_-). My boyfriend is also paying off an insane copay for an ER visit he had a year ago. And then of course we have the usual bills- phone, car insurance, mortgage, water, etc. All these little things add up and eat away at his income, so when something goes wrong we have to wait to fix anything It took six months to fix a wonky tire and then another few months before I could afford to even get tags for my car because we just never seemed to have the money. And just when we get caught back up again and think “now we can start saving” something else falls apart and we’re back to square one.

Not to mention all of the debt I owe for school. Someone please take me.

  
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At the very least, Jesse knows how to pay for the important things. He pays the things that keep a roof over our head and food in the fridge. Our daughter has everything she needs. Sometimes I get creative with the groceries we have to make them last a little longer. I scrape pennies all day everyday. I do surveys in my spare time, and when I can drag up the motivation (it’s been seriously lacking lately my dudes (im sorry)) I work on my blog and other creative ventures.

Regardless of my efforts to help, we still find our selves fantasizing about the day we might actually get up and play the lottery and win on the first try. Or Jesse gets a huge raise at work (he deserves it!) 

Or maybe my blog makes it big and I become a millionaire!

  
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Or just averagely successful is fine. Help me, I'm poor.

I can say, personally, that money could probably fix 95% of my problems. I could see a doctor whenever I need to, or buy groceries without having to check my bank account first. I want to be able to call a plumber to fix something right when the problem arises rather than several months later. I don’t even care if I have the nicest things as long as they function and last. I could breathe and rest easy knowing my life is running smoothly because I can afford the basics.
Would money solve my problems? Definitely. I already love my family. I already have hobbies I enjoy. All I ask is for the right to have health and comfort in life, not just for myself, but for everyone.

If you're not sure where your household income lies, y'all can check out this online calculator I found here. You can find out what your income classification is and compare to people across the country.

Also if you have any thoughts to share about this post or about how you have overcome any income obstacles, share below! I'm going to try to be more talkative with everyone (because my anxiety says people are scary) and I would love to know any tips and tricks you use to make things easier!


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