Low income

I do a lot of reading and clicking on ads about low-income services and products. I enjoy figuring out the various products, how they work and how they scam or otherwise defraud the poor. Sometimes for some people in certain situations though they might be a good deal or make sense for them.

I am always looking to save a few bucks or earn a little more money, although most of the things I see marketed are incredibly scammy. But maybe I’m just resistent to change. But I’m always fascinated by how the poor live and get by, especially with everything being as expensive as it is these days.

My budget is always tight and I’m always looking for ways to save a bit of money. I do wish government programs like food stamps or housing assistance were available for me – it would be nice to get some healthy groceries for free or save a bit on rent. Not that I really need it – my rent excluding utilities is under 10% of my income and grocery bill is only a few percent. I’m fortunate compared to some but I wouldn’t mind a little extra to save towards tomorrow.

Most of the tips you find on the internet are marketing scams, silly or things that I do already. I installed energy efficient bulbs in my apartment the day I moved in 18 years ago. I keep the heat low, I don’t have a television, home internet or television. I unplug everything from the microwave to my computer when I’m not using it. I invest in high interest savings accounts and low cost index funds, do a lot of shopping at Wally World. All things the internet loves but aren’t a savings when that’s your norm.

Some day when I own my own land and live out in the country, I’ll probably be making a lot less money. While I’ll have more savings at that point, the frugal habits I have now will help me in the future. Maybe I’ll have lower expenses, although land and a home can be expensive to manage. But good habits I learn today can lead a healthier future.