Comments on: Define “Living Paycheck to Paycheck”

By: Maproom Systems

Maproom Systems — Thu, 04 Jun 2009 22:17:04 +0000

thank you for removing the image.

By: Finance Girl

Finance Girl — Thu, 04 Jun 2009 01:47:32 +0000

“and the site is most certainly generating revenue”

Yes, an astounding $10 so far, which does not quite reach the minimum payout threshold of $100.

So, you are correct, I think I owe you about .0532 cents currently and will happily remove your picture from the site. But as a personal finance blogger, I should advise you that actually getting a job or selling some of your art will get you further than harassing bloggers who use your images “legally, but in poor taste.”

By: Maproom Systems

Maproom Systems — Mon, 01 Jun 2009 20:37:25 +0000

hello, it’s the photographer again.

you’re now running sidebar ads here, and the site is most certainly generating revenue, therefore you are most certainly violating the non-comm creative commons license that the photo was covered by when you first “borrowed it.”

please remove it, or i’ll file a dmca takedown request with your hosting provider.

thank you in advance.

By: Ryan

Ryan — Thu, 19 Jun 2008 23:57:31 +0000

I’m really sorry to hear about your situation Heather, paycheck to paycheck is really no way to live. Have you considered trying to get a better job that pays better, or if possible, increasing your income in your current proffession. It sounds to me like you really just have an income problem and you could get in control of your finances if you just made a little bit more and had a solid plan of attack.

I know that you can do it Heather, keep the faith.

Ryan

By: Heather

Heather — Wed, 18 Jun 2008 19:25:49 +0000

I live paycheck to paycheck. Often less than that, I literally had only $3.00 left in my checking five days before the next payday. Paycheck to paycheck literally. No credit cards b/c my credit is so awful no credit card company will touch me. No emergency fund. I’m 33 years old and no matter what I do I can not get ahead. There is always something that comes up. I don’t have a lot of debt, just a car and a student loan. It’s the utility bills, grocery costs, kids needs, etc that cause me to not even be able to make ends meet. It’s a very sad and stressful way to live. Everything costs SO much!

By: budgetblogger

budgetblogger — Thu, 15 May 2008 00:52:01 +0000

I think there are pros and cons to both. What happened with my credit card a few years ago made me hesitant to go that route. I took advantage of a zero percent interest rate on a new credit card. I made a mistake and charged a doctor copay on that card. The doctor reversed the charge immediately, but the credit card company charged me interest on the $20 payment until I paid off the balance transfer. I paid the balance off in two months, but the $20 charge ended up costing me close to $75. Payments were applied to the portion of my balance with the lowest interest rate, so if I hadn’t been able to pay the entire balance, it could have been much more expensive.

By: financegirl

financegirl — Wed, 14 May 2008 15:03:04 +0000

Jennifer and Budget Blogger -

Based on the links (originally) included in your comments, you seem pretty positive toward payday loans.

I don’t think these are a good choice for people living paycheck to paycheck, and I would argue that a credit card is the better of two evils in these situations.

By: budgetblogger

budgetblogger — Wed, 14 May 2008 14:48:02 +0000

I agree with Jennifer about #1 and #2. I’ve been writing about pay day loans and car title loans on my blog recently(www.budgetblogger.com). When I worked in banking about 15 years ago, we approved loans which were basically the same thing. The interest rate on an unsecured loan was 18%, after fees the APR was closer to 25%. You’re right, sometimes stuff just happens, and when you’re living paycheck to paycheck there aren’t a lot of options.

By: Jennifer

Jennifer — Tue, 13 May 2008 16:58:46 +0000

I Think #’s 1 and 2 define living from pay check to paycheck. I have lived that way and sometimes I would even have to pull out a payday loan for emergencies when I didn’t have anything in my savings account. Living from paycheck to paycheck is not fun but sometimes one can’t help it and it causes so much worry because you never know if you will have enough to cover your next bill.

By: financegirl

financegirl — Tue, 13 May 2008 16:39:43 +0000

Again, the photo was linked to your website initially, which is the preferred means to clarify the license and satisfies most photographers’ attribution requirements.

If this offends you, you obviously haven’t read some of my other posts.
Good luck with saving the world from destruction…

And nice photo.