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She knows she's already fucked. Not going to make rent. Already in debt and dodging bailiffs and debt collectors and intimidating loan-sharks, none of whom she

She knows she's already fucked. Not going to make rent. Already in debt and dodging bailiffs and debt collectors and intimidating loan-sharks, none of whom she has any chance of paying off. Hoping she doesn't get sick because she'll lose her job and end up on the streets. If her wreck of a car suffers a minor fault, she's going to lose her job. She knows she's already fucked. Not buying the bag of fries will not help her. She's already fucked. Her choice is tiny bit of happiness now and lots of misery, or just lots of misery. She's already fucked. Middle class advice on making small savings to build up a pot of cash is not relevant. I know you read the article, but you just can't stop with the very same irrelevant advice the article is pointing out is irrelevant.

zozbot123 8y ago
> Already in debt and dodging bailiffs and debt collectors and intimidating loan-sharks, none of whom she has any chance of paying off. Okay, then maybe she should consider declaring personal bankruptcy and getting a clean start? There are some debts that cannot be discharged using bankruptcy, but they're not the sort of debt that f---s you over and that you have no chance in hell of paying off. Solutions are out there, she should use them.
- EliRivers 8y ago
  Yet they don't. Why not? Why is your advice here not being taken?
  - brianpgordon 8y ago
    I think he has a point that you're assuming debt is the problem. It seems to me that she's just not being paid a living wage. If she's really struggling that much to make rent I would be surprised if anyone would give her credit at all, other than maybe short-term payday loans. And declaring bankruptcy every month doesn't help you avoid eviction.
    - EliRivers 8y ago
      No, quite the opposite for me. I think debt is more a symptom here. Here is your life (however you got here - maybe you made bad choices, maybe you didn't), there is no escape. One of the things holding you down is debt, but wiping that out will not help you because you come up short every month. You'll just be back in debt next month.

zozbot123 8y ago

> Already in debt and dodging bailiffs and debt collectors and intimidating loan-sharks, none of whom she has any chance of paying off. Okay, then maybe she should consider declaring personal bankruptcy and getting a clean start? There are some debts that cannot be discharged using bankruptcy, but they're not the sort of debt that f---s you over and that you have no chance in hell of paying off. Solutions are out there, she should use them.

EliRivers 8y ago
Yet they don't. Why not? Why is your advice here not being taken?
- brianpgordon 8y ago
  I think he has a point that you're assuming debt is the problem. It seems to me that she's just not being paid a living wage. If she's really struggling that much to make rent I would be surprised if anyone would give her credit at all, other than maybe short-term payday loans. And declaring bankruptcy every month doesn't help you avoid eviction.
  - EliRivers 8y ago
    No, quite the opposite for me. I think debt is more a symptom here. Here is your life (however you got here - maybe you made bad choices, maybe you didn't), there is no escape. One of the things holding you down is debt, but wiping that out will not help you because you come up short every month. You'll just be back in debt next month.