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    Has the Government shutdown...................

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    • Posts: 2,401 Member
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      I'm not judging. I'm stating simple facts that you'd think they'd have enough savings to cover their mortgage. If not, If they're military most loaners are helping them out.

      I know USAA gave us our paycheck last time the gov shut down.

      Again, you are confusing the military with the government. Again, they are not the same thing when it comes to their employees' salaries and benefits.
    • Posts: 4,440 Member
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      This exactly. Everyone should have at least 3mo pay saved up. We don't because we've been struggling after my husband UNEXPECTEDLY got out of the Army and Veterans disability benefits are a joke. If you've had a steady job for 20 years you SHOULD be able to have enough money in savings to pay your bills. I know we would have.. Shoot my husband was in the Army for 6 years.. We had 10k in savings (not as much as we wanted) and lived off that for quite a while.

      Yes, the VA sucks. My husband also has veterans disability but refuses to go there because they're a pain in the tush.Thank goodness he has insurance with his job.
    • Posts: 4,885 Member
      The judgement in this thread is infuriating.
    • Posts: 1,384 Member
      The only way this has had an impact on me so far is that gas has gone down.

      I have no doubt it will start negatively affecting me in some form or another eventually though.
    • Posts: 458 Member
      It's really idiotic to say what people should or shouldn't do with their money or to assume you know what they do with it just because you've been given one teeny tiny detail about them.

      Judgey Wudgey was a Bear....


      I'm assuming nobody lives in California or any other expensive state or has kids...must be nice to have all the answers
    • Posts: 2,401 Member
      The judgement in this thread is infuriating.

      I'm glad I'm not the only one....
      show previous quotes


      I'm assuming nobody lives in California or any other expensive state or has kids...must be nice to have all the answers

      sad part is I'm guessing the lady in the OP does in fact live here in CA... I would love to see how everyone does with this cost of living, kids, and a government salary (NOT MILITARY FOR ****'S SAKE).
    • Posts: 303
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      Yes, the VA sucks. My husband also has veterans disability but refuses to go there because they're a pain in the tush.Thank goodness he has insurance with his job.

      Yeah health care there sucks too. I'm talking about actual disability. They don't pay enough. Sucks.
    • Posts: 607 Member
      hasn't effected me but it has effected people in my family and some friends.

      all i gotta say is that there better not be any taxes taken out of my check next month, or at least only have a prorated amount taken out if it gets up and running this month.
    • Posts: 4,885 Member
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      I'm not judging. I'm stating simple facts that you'd think they'd have enough savings to cover their mortgage. If not, If they're military most loaners are helping them out.

      I know USAA gave us our paycheck last time the gov shut down.

      I remember when I was 23 and thought I knew everything, too.
    • Posts: 147 Member

      People should be prepared for emergencies. No savings account? Forget luxury/nice things until you have one.
      Ideally, you should have a year's take home salary in cash at a minimum.

      I know that sounds impossible, but for many, it's really the difference over a few years of buying non-name brand, or skipping Starbucks.

      Plenty of people I know "can't afford to save" waste $200-300 a month on coffee, donuts, video games, name brand stuff, etc.


      Have lived like this my whole life. Still get to enjoy nice things.
      And when the wife was out of work for a year, we were fine.
      while I won't completely disagree, I think 1 year is probably overkill and a bad move. You should likely have 3 months in fully liquid savings, 3 - 6 month beyond that in 3 to 6 month plans which you can draw on within 3 month with little or no penalty and what you do beyond that to keep solvent in a long term situation without a job is up to you. The reason I think overkill is that savings earns only about 1 to 2% while you can find some nice mid-term programs that will get 3 to 4%. Sure this is putting the money at risk to some extent but a better option than just sitting on in a savings account.

      I will completely agree on the statement of buying things we can't afford though. The pennies add up over time, a penny here and a penny there and you can build a nice safety net, and it should be a top priority. It is hard when you feel like you are just getting by month to month but every dollar you can squirrel away is a dollar you will have when you really need it.
    • Posts: 303
      How is thinking someone thats worked somewhere for 20+ years should have money in savings to pay 1 mo mortgage judging??

      I don't have a savings. We live paycheck to paycheck. I'm the last person to judge. However, You would THINK that someone that's been somewhere for 20+ years would have enough money to pay their mortgage. THAT'S ALL. That's not judging. Judging would be like "WTF DID SHE SPEND ALL HER MONEY ON! RAWR" NOT what I'm saying.
    • Posts: 493 Member
      Good grief. People living paycheck to paycheck may have honest to goodness reasons for doing so. Fresh out of school? elderly parents to take care of? Childcare expenses? Childcare expenses for children with disabilities? Etc. Someone may have legitimately just blown through their reserves for a perfectly good reason (like their car just died, or need a new roof). Who are you to judge them as daft?

      To call people daft for living paycheck to paycheck is passing judgement on folks you don't even know. It'a short sighted and makes you a massive d-bag.

      QFT
      So many extenuating circumstances. SOOOOO MANY VARIABLES.
      Get off your high horses peeps.
    • Posts: 4,440 Member
      My dad is a USDA employee, so he has been furloughed. I work for my state's department of agriculture, and I haven't had to turn in any federal reports this month. We are still waiting on farm bill and cooperative agricultural pest survey grants to come through to fund us.

      I really feel for those that need wicc for their babies, though. Formula and baby foods are expensive, and I can't imagine all of a sudden having to come up with that money.
    • Posts: 1,109 Member
      I don't know what kind of world some of you are living in but don't call me daft for not having 3 months to a year salary saved up. I'm a single mother, work my *kitten* off and I don't have very much in savings. I save money by buying thrift store clothes, I never hit Starbucks, I pack my lunches, find free weekend activities and usually ride my bike to said free activities, I don't waste money on cable tv. Most of my paycheck goes towards my mortgage because I think one of the most important things I can provide for my daughter is a home of our own. My modest car will be paid off this month so I can finally pay off some medical bills from last March. Every time I get a little saved, I need new tires, my daughter has a school trip, something breaks in my house, etc.

      Of course I would love to have some savings but it's a luxury I live without. Let's not judge others when it's pretty clear in this economy that the majority of people are struggling.
    • Posts: 458 Member
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      I remember when I was 23 and thought I knew everything, too.


      Funny how you get "dumber" the older you get...I was a frickin genius at 23
    • Posts: 324 Member
      My parents are gonig to be in trouble if this lasts long. They are in their 50's. Dad is retired military, mom is a teacher. Will they be able to pay their bills. If it last only a few months yes...if it lasts longer No. My dads salary and retirement are a huge part of what htey live off. and although they have some in savings it is not enough to last for this.

      And quite a few of the middle class live paycheck to paycheck. Having 3-6 months in savings is great. But many are working to have all bills, debt paid off first.

      And depending on heatlh, who they support ( many support thier children) - not mine ( I have a job) but I know lots of 20 somethings that live at home or with parents b/c the jobs they got out of college only pay 20-30,000 which is not enough to pay of student loans and live easily in a city.
    • Posts: 875 Member
      Good grief. People living paycheck to paycheck may have honest to goodness reasons for doing so. Fresh out of school? elderly parents to take care of? Childcare expenses? Childcare expenses for children with disabilities? Etc. Someone may have legitimately just blown through their reserves for a perfectly good reason (like their car just died, or need a new roof). Who are you to judge them as daft?

      To call people daft for living paycheck to paycheck is passing judgement on folks you don't even know. It'a short sighted and makes you a massive d-bag.

      Thank you for posting what I was thinking.

      Thankfully it hasn't affected me yet. Working in the car dealership world you never know if it's going to affect the federal reserve and what will happen with our transactions. I am one of those people living paycheck to paycheck and spending my "extra money" on a little bit of extra gas so having no paycheck would definitely mean an eviction for me...
    • Posts: 303
      show previous quotes

      I remember when I was 23 and thought I knew everything, too.

      Yeah, I'm young and stupid.
    • Posts: 2,232 Member
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      You're also not in your 40s and have been working the same job for 20+ years.. I'd think with 20+ years of the same job under your belt you'd have some savings...

      SAHM getting walked out on =/= working for 20+yr

      You are correct. My point was more that sometimes it's circumstances that deplete savings. I know many people bring it on themselves. My sister for example is a military wife. Her husband has been in service for 18 years now. They have nothing saved they are always too broke to do anything, and yet when he deployed in June he told her to buy 3 new things....she bought a king sized bed for herslef, a new fridge becuase her ice maker was broken, and an Ipad. Yet when her daughter wanted to go to senior prom they couldn't afford the dress. That is daft!
      The poster who used that statement didn't specify 20 years. Others did, but the post I repsonded to did not. Again, I very much respect those who do have a savings becuase it gives me hope for my financial future.
    • Posts: 607 Member

      This exactly. Everyone should have at least 3mo pay saved up. We don't because we've been struggling after my husband UNEXPECTEDLY got out of the Army and Veterans disability benefits are a joke. If you've had a steady job for 20 years you SHOULD be able to have enough money in savings to pay your bills. I know we would have.. Shoot my husband was in the Army for 6 years.. We had 10k in savings (not as much as we wanted) and lived off that for quite a while.

      lol.

      "everyone should have at least 3mo pay saved up. except for me."
    • Posts: 7,739 Member
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      Contract workers are NOT government employees. You can't compare the salaries.


      There's that, and the keyword that nobody picked up on yet - DEPLOYED. That's a whole different ball of wax.
    • Posts: 224 Member
      And, in the long run, I'll be screwed by the ACA. :[

      Yep, we all will be...
    • Posts: 303
      show previous quotes

      You are correct. My point was more that sometimes it's circumstances that deplete savings. I know many people bring it on themselves. My sister for example is a military wife. Her husband has been in service for 18 years now. They have nothing saved they are always too broke to do anything, and yet when he deployed in June he told her to buy 3 new things....she bought a king sized bed for herslef, a new fridge becuase her ice maker was broken, and an Ipad. Yet when her daughter wanted to go to senior prom they couldn't afford the dress. That is daft!
      The poster who used that statement didn't specify 20 years. Others did, but the post I repsonded to did not. Again, I very much respect those who do have a savings becuase it gives me hope for my financial future.

      No, He did say she'd been working there for 20 years. But some people are just stupid with money.. Hard to feel bad when they fall on hard times when you KNOW they should be fine.
    • Unknown
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    • Posts: 607 Member
      Good grief. People living paycheck to paycheck may have honest to goodness reasons for doing so. Fresh out of school? elderly parents to take care of? Childcare expenses? Childcare expenses for children with disabilities? Etc. Someone may have legitimately just blown through their reserves for a perfectly good reason (like their car just died, or need a new roof). Who are you to judge them as daft?

      To call people daft for living paycheck to paycheck is passing judgement on folks you don't even know. It'a short sighted and makes you a massive d-bag.

      zactly.

      :flowerforyou:
    • Posts: 2,401 Member
      How is thinking someone thats worked somewhere for 20+ years should have money in savings to pay 1 mo mortgage judging??

      I don't have a savings. We live paycheck to paycheck. I'm the last person to judge. However, You would THINK that someone that's been somewhere for 20+ years would have enough money to pay their mortgage. THAT'S ALL. That's not judging. Judging would be like "WTF DID SHE SPEND ALL HER MONEY ON! RAWR" NOT what I'm saying.

      I just can't even. You live paycheck to paycheck however you can't see why someone else would, regardless of how long they have worked for government? Let's be generous and say this woman makes 80k a year. Please look up the cost of living in the OP's area (also mine, the Bay Area of CA) and let me know how far 80k will stretch with a mortgage and kids (let's also assume she has kids, as it is very possible). I think I would be safely estimating the cost of living is about DOUBLE here as it is to Wichita KS where your profile says you're from. It must be nice having the belief that you can accurately judge anyone's situation by a few anecdotes from an internet forum post.
    • Posts: 458 Member
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      Yeah, I'm young and stupid.

      I never called you stupid. But to assume someone older than you doesn't have more life experience, hasn't seen more than you, been through more is a little presumptuous. Don't you think most people realize they should have savings? It doesn't always work out that way. Life happens. That's where age comes in, get back to us in about 15 years. Guaranteed your tune will have changed.
    • Posts: 303
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      lol.

      "everyone should have at least 3mo pay saved up. except for me."

      Everyone SHOULD. Not everyone CAN. If you've had a steady job for 20 years I don't see why you CAN'T.

      We DON'T at the MOMENT because my husband is a disabled veteran and has had a hard time finding a JOB.
    • Posts: 303
      show previous quotes

      I never called you stupid. But to assume someone older than you doesn't have more life experience, hasn't seen more than you, been through more is a little presumptuous. Don't you think most people realize they should have savings? It doesn't always work out that way. Life happens. That's where age comes in, get back to us in about 15 years. Guaranteed your tune will have changed.

      I didn't assume anything you're assuming I assumed.
    • Posts: 1,166 Member
      I am not out of a job and no one I know is getting severely impacted... However, I run governmental payroll and they are required to run E-Verifies on each new hire. And the E-verify website is shut down and with 10 payroll clients, I have a huge list of E-Verifies I will have to complete once they do decide to get everything up and running.
    This discussion has been closed.

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