Any success stories from couples that have made it from poverty??
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Financial Problems in Marriage When financial times are tough, it adds to the stress we deal with on a daily basis. This section is for talking about how financial problems affect our relationships and ways to cope.

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Old 08-23-2011, 01:03 AM   #1 (permalink)
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Default Any success stories from couples that have made it from poverty??

it would be nice, and even a little reassuring, if there are any successful marriages that have fought through very hard financial times and could maybe post how you overcame it?
we've been hurting financially for soooo long, it's just hard to see the light sometimes. any help or advice would be greatly appreciated!!
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Old 08-23-2011, 02:29 AM   #2 (permalink)
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no we didnt make it out of it ...yet. soon the kids will be 18 and we will be alright.

but, whats more important love or money..?? i didnt marry to be financial well off. money is nice, but my husband would have to work 2 jobs and i would have to work one.

we would never see one another. sometimes we have cable, sometimes we have a car...our lights have been off more than once, and sometimes we dont pay on our cell phones and wait til the next month to turn it back on.

tax time is our christmas, we buy things like a xbox or a nintendo ds, computer, put the cable back on, buy a car..things like that.

we just decide what we want to do and save, for instance, we went to comic-con and wanted to buy somethings..we saved for a year, just spare change and the odd dollar every now and so, and we set a budget for spending.

get into couponing, places like starbucks, or coffee beanery always have papers and most folks buy one and leave it...and if you get there early enough you can beat the paper collector and ask for the coupons, since coupons cant be recycled they will leave them, or just slide the coupons out of papers on the stand...

start printing, target is the best coupons.com is ok but before i had high speed it crashed and couldnt print form them anymore..and coupon source.

check with your local store about their coupon policy, most double up to 99 cents everyday. just do basic cable and do netfix for a movie fix..streaming is 8 bucks a month, and if you want a movie in the mail, you can get 2 for 9.99 a month.

a great site to get magizines from is freebizmags.com and mercurymags...[i think thats the name].

take a little time to look for web sites that cater to freebies and samples..i dont use my samples, but the coupons are great. and you can use a store coupon [like target] plus a manufactures coupon together. another good way for extra money at tax time, take all the magizines to salvation army and claim it on your taxes.

always wait 6 months to a year to buy that hot movie, target and best buy will always have sales where things are 5-10 dollars. go to dollar shows, and early sunday shows, never go on opening weekend wait a month to see it.

target also will give you a nickle off your order for every re-use bag you have, and kroger does to. switch to straight talk..its 45 dollars for unlimited talk time, text, pics, and browser, and for 30 dollars you get 1000 minutes and 1000 pic/texts, and 30 mega bites browser..[always do research on the phone before you buy it]

always call your cable company every month to see if there are any new deals, go to boarders and clean up since they are going out of business. barnes and noble always has "clearence" books, usually they are new books from that year.

uh..salvation army is half off everything on wed...buy clothes in the off season, macys has a great shoe clearence section, and dsw or broad way is fantastic for sales and deals.
Where I live, you can take a waxing course for $500 wax included and make $25-$50 an hour. Look for something like that to do where you can 'earn' extra money. Where I live if you're unemployed you can get sponsored for such a course.
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Old 08-24-2011, 12:49 AM   #3 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

lol, not to sound like that panda, but a lot of what you described would be like winning the lotto for me. i'm 30 and have been beyond broke for the last 50 years, lol. i know just about every trick in the book to make my dollar stretch. sure love is way more important, but i'd be fooling myself if i said money wasn't important. whom ever said money can't buy happiness hasn't been poor, lol.
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Old 08-24-2011, 12:54 AM   #4 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

things like tax time are nonexsistant for me. i'm disabled and bc of that my wife don't work to tend to me. on top of that we take care of my 15 yo niece. cell phones, cars? nope. no saving for that. our biggest thing we "save" for is once a month i cook a "fancy" dinner, lol, yay me. i've tried so many things, but none panned out.
now, i'm just at a loss.
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Old 08-24-2011, 01:07 AM   #5 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

(sorry for mult. posts)
i just wanted to point out also, aside from money, my marriage is pretty good. like you panda, we've developed this bond i suppose to cope with everything else. we make the most with what we have. and i hate not working, it drives me ****ing insane. i've always worked, now i'm forced on the sidelines remembering the days when i could provide for my family. sorry for venting, but it just gets hard, you know? good things should happen to good people!
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Old 08-24-2011, 07:43 AM   #6 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

thanks for the advice panda. i totally know what you mean in regards to store deals and coupons. the store near me does double coupons twice weekly. i'm usually able to drop an $80 order down to about $20 usually. winning the lottery would be nice, even a small one, hell, i'm not greedy, lol. as for cell, can't afford the extra expense, i get free minutes from a gov. program, so that's kinda neat. as i said, we really try to make due. we try to make extra income as much as we can.
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Old 08-24-2011, 12:19 PM   #7 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

thanks for the link trad3mark!! it's much appreciated!
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Old 08-26-2011, 08:34 AM   #8 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

When my daughter was born, I was just out of the Army with no real skills or education, and i was working at Home Depot for a pittance, and later started working for the airlines, which wasn't much better money-wise. For awhile, I was even working two jobs-one in sales.
We were living in a one bedroom apartment with more than half the residents being illegal immigrants (they would all hang out in the parking lot, until a squad car came thru on the usual rounds, then they'd all disappear quickly), and things weren't looking too good.
Then I got the job with the railroad (I guess you can say I was lucky-right place at the right time), and some years later, we have a nice house in a nice neighborhood, two cars, we have extra money and don't fret about bills, and always have enough to take a nice vacation every couple of years.
No, we aren't rich by most peoples definition of the term, but I have a job I love, the most wonderful wife who stayed even thru the lean years, a mega-intelligent, well-behaved and beautiful daughter, and most of all, I have peace of mind.

I feel that I'm richer than most.
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Old 08-27-2011, 12:35 AM   #9 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

thank you so much for the wonderful story, and especially for your service!
i sometimes feel that way. for as broke as we are, we do get our moments where things are ok. my wife has stuck by me through so much, it's just literally painful at times not being able to provide for her as i want...as i should be able to. it's just hard seeing how things can change without being able to work. but do what i can, for her...
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Old 08-27-2011, 09:43 AM   #10 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

When we were young and 1st got together we didn't have 2 nickels to rub together. We lived in a gov housing project and drove whatever we could buy for $500 or so. I told her give me 4 yrs and we will own a house I promise. I got a new job that I thought would be temp but moved up quickly and have now been there 16 yrs. We saved and dreamed and bought that house. My kids think we are lying when we tell them that things like trips to Florida and flat screen tvs were unthinkable at one time for us. Having the extra money for a pizza and a VCR rental were high living for us back then.
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Old 08-27-2011, 11:26 AM   #11 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

Quote:
Originally Posted by Pandakiss View Post
no we didnt make it out of it ...yet. soon the kids will be 18 and we will be alright.

but, whats more important love or money..?? i didnt marry to be financial well off. money is nice, but my husband would have to work 2 jobs and i would have to work one.

we would never see one another. sometimes we have cable, sometimes we have a car...our lights have been off more than once, and sometimes we dont pay on our cell phones and wait til the next month to turn it back on.

tax time is our christmas, we buy things like a xbox or a nintendo ds, computer, put the cable back on, buy a car..things like that.

we just decide what we want to do and save, for instance, we went to comic-con and wanted to buy somethings..we saved for a year, just spare change and the odd dollar every now and so, and we set a budget for spending.

get into couponing, places like starbucks, or coffee beanery always have papers and most folks buy one and leave it...and if you get there early enough you can beat the paper collector and ask for the coupons, since coupons cant be recycled they will leave them, or just slide the coupons out of papers on the stand...

start printing, target is the best coupons.com is ok but before i had high speed it crashed and couldnt print form them anymore..and coupon source.

check with your local store about their coupon policy, most double up to 99 cents everyday. just do basic cable and do netfix for a movie fix..streaming is 8 bucks a month, and if you want a movie in the mail, you can get 2 for 9.99 a month.

a great site to get magizines from is freebizmags.com and mercurymags...[i think thats the name].

take a little time to look for web sites that cater to freebies and samples..i dont use my samples, but the coupons are great. and you can use a store coupon [like target] plus a manufactures coupon together. another good way for extra money at tax time, take all the magizines to salvation army and claim it on your taxes.

always wait 6 months to a year to buy that hot movie, target and best buy will always have sales where things are 5-10 dollars. go to dollar shows, and early sunday shows, never go on opening weekend wait a month to see it.

target also will give you a nickle off your order for every re-use bag you have, and kroger does to. switch to straight talk..its 45 dollars for unlimited talk time, text, pics, and browser, and for 30 dollars you get 1000 minutes and 1000 pic/texts, and 30 mega bites browser..[always do research on the phone before you buy it]

always call your cable company every month to see if there are any new deals, go to boarders and clean up since they are going out of business. barnes and noble always has "clearence" books, usually they are new books from that year.

uh..salvation army is half off everything on wed...buy clothes in the off season, macys has a great shoe clearence section, and dsw or broad way is fantastic for sales and deals.
hi,

i would like to hear more of your stories. i am going tru similair problems in life and it can be worst. i am so scare sometimes that my whole body turn cold.
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Old 08-27-2011, 12:15 PM   #12 (permalink)
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Originally Posted by Pandakiss View Post
no we didnt make it out of it ...yet. soon the kids will be 18 and we will be alright.

but, whats more important love or money..?? i didnt marry to be financial well off. money is nice, but my husband would have to work 2 jobs and i would have to work one.

we would never see one another. sometimes we have cable, sometimes we have a car...our lights have been off more than once, and sometimes we dont pay on our cell phones and wait til the next month to turn it back on.

tax time is our christmas, we buy things like a xbox or a nintendo ds, computer, put the cable back on, buy a car..things like that.

we just decide what we want to do and save, for instance, we went to comic-con and wanted to buy somethings..we saved for a year, just spare change and the odd dollar every now and so, and we set a budget for spending.

get into couponing, places like starbucks, or coffee beanery always have papers and most folks buy one and leave it...and if you get there early enough you can beat the paper collector and ask for the coupons, since coupons cant be recycled they will leave them, or just slide the coupons out of papers on the stand...

start printing, target is the best coupons.com is ok but before i had high speed it crashed and couldnt print form them anymore..and coupon source.

check with your local store about their coupon policy, most double up to 99 cents everyday. just do basic cable and do netfix for a movie fix..streaming is 8 bucks a month, and if you want a movie in the mail, you can get 2 for 9.99 a month.

a great site to get magizines from is freebizmags.com and mercurymags...[i think thats the name].

take a little time to look for web sites that cater to freebies and samples..i dont use my samples, but the coupons are great. and you can use a store coupon [like target] plus a manufactures coupon together. another good way for extra money at tax time, take all the magizines to salvation army and claim it on your taxes.

always wait 6 months to a year to buy that hot movie, target and best buy will always have sales where things are 5-10 dollars. go to dollar shows, and early sunday shows, never go on opening weekend wait a month to see it.

target also will give you a nickle off your order for every re-use bag you have, and kroger does to. switch to straight talk..its 45 dollars for unlimited talk time, text, pics, and browser, and for 30 dollars you get 1000 minutes and 1000 pic/texts, and 30 mega bites browser..[always do research on the phone before you buy it]

always call your cable company every month to see if there are any new deals, go to boarders and clean up since they are going out of business. barnes and noble always has "clearence" books, usually they are new books from that year.

uh..salvation army is half off everything on wed...buy clothes in the off season, macys has a great shoe clearence section, and dsw or broad way is fantastic for sales and deals.
That's great that you do all those things but, what struck me the most is where you stated you would have to work one job. In this day and age, two income families are generally a must.
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Old 08-27-2011, 05:12 PM   #13 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

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Originally Posted by Disposition View Post
it would be nice, and even a little reassuring, if there are any successful marriages that have fought through very hard financial times and could maybe post how you overcame it?
we've been hurting financially for soooo long, it's just hard to see the light sometimes. any help or advice would be greatly appreciated!!
Me & my husband met in our teens, both shared the same dreams --SAVE SAVE SAVE like mad- we wanted an old farmhouse, land, privacy - kids & me to stay at home. But his job sucked, we married anyway .

I worked full time till we had our 1st son. The most my husband ever made at this job was $8.25/hr -he stayed there being a faithful employee for 18 long yrs because the health benefits were killer excellent. , this paid for my pregnancies & infertility testing. He went to Computer school -but never got anythng from it. We had 3 kids on his 1 income , we never had trouble paying bills or buying what we needed. (Our rent was cheap, landlord his aunt) Luxeries were pretty much forbidden unless it was major important to us . We always had too much $$ saved to get food stamps -but were low income "enough". I did have small side jobs here & there to bring in an extra $2,000 a year generally.

I just want to say... Me & My husband are both very very THRIFTY, we were able to put down $15,000 on our 1st house 4 yrs after we married -not our dream abode by any means but it was half of the price of the house, had an acre & we saw potential for Profit with some fixing, we installed a wood furnce, built a chimney, laid cement, new roof, worked on that for 2 yrs, turned around & sold it for $13,000 more than we paid for it.

Then bought our Country Farm house we wanted w/acrerage.
We was able to put down $40,000 this time. 2 yrs later he got his current job- MUCH better pay-but not rich, just decent blue collar wages - Starting out at $14/hr ....We went on to have 3 more kids. He is still at this same job (approx $50,000 a year), we cut our 15 year house loan in half , by the time I gave birth to our last child at 40, we were completely DEBT FREE.


We are admittably cheap- or the nicer term is "frugal". I used to own a book called the "Tightwad Gazette" Amazon.com: The Complete Tightwad Gazette (9780375752254): Amy Dacyczyn: Books Yeah, much of those things were a way of life for us, especially when he had his 1st job. I used cloth diapers on my 1st 3 kids & I hung them on the clothes line too! (in the country, no neighbors). We have always had a nice stash for emergencies. Never had a fight about $$. We refuse to pay interest on anything.

How we live. Could look at this as advice

1. I don't buy my kids expensive cell phones or designer clothes
2. I have a tracfone (averages $7 a month if you buy cards on Ebay, only use mine for emegencies- my older phone has FREE incoming text so I keep it -no bells & whistles at all.
3. I Use Google Voice for free long distance calling.
4. My kids use their ipods for Free texting
5. I clip coupons & do Buy ONe Get ONE free deals
6. I only buy on sale
7. I use ebay for their games & many items
8. Buy my books used online
9. I search anything & everything for competitive pricing from contacts to tires online, call stores
10. I go to Flea markers
11. I buy clothes at Consignment shops
12. I do rebates,
13. We have a rule -only water when eating out
14. We try to do our own home projects
15. Paint & repair our own cars
16. we take the family to the $1 theater on the day is only 75 cents a movie, we skip the popcorn, (of coarse with friends I will let them pay $6 a movie- we just don't do that as a family-too costly).
17. I cook mostly from scratch as boxed & prepared items cost too much
18. We have X amount come directly out of his paycheck every week in savings- helps you save if not slipping through your hands
19. I use Big Crumb.com to earn $$ on some stores online-it adds up !
20. We only buy older cars -have never gotten a car loan in our lives
21. I use CHASE credit cards , always pay in full, they give you perks to earn 2- 5% on every dollar spent , I generally make $300 a year free - just by using my CC on everything from food to gas to bills. (they do not like customers like me) http://www.consumerismcommentary.com...-credit-cards/
22. If I see a killer credit card offer, like a free DISNEY Visa giving away $200 in free disney dallors after your 1st purchase -I jump on that - I plan to use this to deduct $200 from our tickets when we go later this year.
23. I cut all my boy's hair with the buzzer , and my husbands.


I used to enjoy watching Suze Orman internationally acclaimed personal finance expert : The Suze Orman Show : Will & Trust Kit : FICO Kit : Insurance Kit : Women & Money

We are NOT rich by others standars of INCOME -but we feel we are doing pretty darn good.

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Old 08-27-2011, 08:23 PM   #14 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

I wasn't attacking you. My H and I both work FT and we still have every evening together and our weekends are ours.

Neither one of us finished
college.
We have 4 children. Our oldest has moved out. We have 3 at home ages 18, 11 and 2. I am home by 2pm everyday. I generally have dinner ready for him when he gets home. House is clean and laundry is done.

We own our home and have nice things due to both of us working. I grew up VERY poor. Always hiding from the landlord, having the electricity turned off, no phone, no car and always wondering if there would be anything to eat. I swore my kids would NEVER go through that.

It's great you want to spend time together. I'm just saying it is possible to still have quality time as a couple and family when both parents work.
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Old 08-29-2011, 10:15 AM   #15 (permalink)
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Default Re: Any success stories from couples that have made it from poverty??

Without writing a book went from losing a home and filing bk in 1998 and moving into a apartment......very humbling lots of overspending and mistakes.

Barely paying rent, me working two jobs 80hrs week, I don't remember my oldest daughters 5-6th grade years at school. Now I have a bachelors and I've worked my way up at one of those two jobs making 6 figures now. My wife got her bsn and is currently in a MSN program while working full time bringing in 80k.

We bought a new home 6 years ago, max out our 401k, and life is good now. We'll never forget driving a beat up ole 1978 station wagon and cramming 5 people on a 700sq/ft apt though.

Good luck op it takes tons of hard work.
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