Bitcoin Forum

One of the biggest difficults in life is to manage growing your patrimony and income, when earning minimum wage and living in poor areas where opportunities are scarce, as is the money circulating in the local economy. Some hints that could be useful:

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Get rid of addictions/habits: addictions or habits (in mild cases) are harmful not only for your health, but also for your finances. Cigarettes and alcohol are responsible for consuming a large portion of the income from individuals living on minimum wage. It's not that unsual to find people spending at least 1$ on cigarettes daily, what after 1 month will result in 30$ expenses, which could be going into bitcoin investment, for an example.

Choose carefully where you go shopping: some supermarkets are more expensive than others. Shopping on physical stores is more expensive than shopping online. Don't go for the first price you see on the labels. Search for promotions, try to adequate your demand for products to your currently financial budget in a way you don't spend all your money in the end of the month.

The impression which matters is the one you have about yourself: forget about boasting yourself to friends and suitors around. Live a realistic life and don't pretend to have a superior lifestyle in order to make people's eyes shine in front of you. There is nothing wrong in displaying some style, it's actually pretty good and satisfactory, but only when we can really afford it.

Doesn't matter how depressing is your day, never give up: everyone has their depressing days, but these days can't become a rule in someone's life. Don't feel pitty of yourself, don't blame your life and your currently conditions. Think it's just temporary and that an exit from this situation is reachable with good will, effort, hard work and a positive attitude with people around you. Sometimes opportunities come from where you least expected, so be receptive to the society in general, while being careful with potential abusers of every kinds.

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Step by step you are going to improve your financial status, be patient and determined. Good luck!

As someone who has seen people living on the line of poverty before, I can tell you that this step is extremely tricky.
I am talking about people whose one of the few escapes from reality they had was smoking, drinking or gambling, most of the time as a social activity to relieve their struggles. They do not even bother to count how much money they spend on beer or cigarettes, by the way.

I recall certain case of this man who used to smoke so much that if he stopped smoking for a day he started to feel sick, flu-like symptoms.

I just want to add something as my experience told me, and that is to be with those people that also do same way as what you all mentioned , Meaning be with others that knows their finances to keep better and live a reasonable life.

being in Humble area cannot hinder us from having a best life but this will take Time, Effort and dedication because if one of those will not there then for sure you will live forever as how you have now.

* Don't forget to spend only a teeny tiny of money on wants, and only buy wants when you have a budget oversupply. Needs first — always.

* Increase your income. Saving can do so much.

That was great tips and i am already using it in our daily lives except for occasional beers to celebrate small wins. I've also noticed about the lottery since mostly I've known they are spending like a dollar a day to try their luck. I'm not sure if this is wrong, but I find it costing you big by the end of the week since you'll be spending 1 dollar per day until you win, but what if you don't win? You lose money, right? It just came to me as I checked our budget and found out we spend money on the lottery.

When people start in personal finance or try to increase their wealth, the first thing they think about is saving. Then when they have some savings they think about investing, and the last step I see is to increase their income, which I would say is the one that gives the most results. When you are used to controlling expenses, saving and investing, finding ways to earn more makes you able to save more, invest more and spend more. Even in my case I introduced regular donations, which has not slowed down my progress, on the contrary.

The point is to get off your ass. If you live in a poor area with low income try to increase your income or even consider moving to another place where there are more opportunities.

But don't forget that nowadays with the internet you can earn a lot of money no matter where you live.

Yes, step by step you can achieve what you want to achieve in life which is very important to humanity to apply the knowledge of start small to know more about the investment before improving the capital. And through saving from your salary or wages, you can achieve such capital to invest in Bitcoin which is among the stable coin that can improve your income in future.I think, many traders has learned a lot from your message which will really help many to be patience in their crypto trading so that they will not experience losses in their trading than to exercise patience for the price of that coin to increase higher before they can sell.

Bad habits should be stopped, that's where most people are spending too much but they don't realize it because they don't add it as part of their budget.
Cigarette, alcohol, and even little gambling habit.

Don't be a picky eater, if it's healthy take it, even though they are cheap. The other problem with low income employees is how they spend their money with food. They are getting pulled by co-workers to dine at a prestigious restaurant even though it's out of their budget. There are small food places that can offer the same service and taste and yet they are cheap, it's just the ambience which is different. Well, the ambience doesn't make your tummy full.

I don't know if even humble area have access and amenities that support a more glamorous life than the average population, say a supermarket is only a few miles in such a neighborhood. I think their goal is to at least survive for a few weeks instead of getting a more luxurious standard of living considering how difficult it is just to earn $1 a day. And generally the crime rate is higher in that area, so don't think anyone to look rich than others.

Do not forget about the ridiculous amount of money that people are spending or "Air time" or "Data" for their mobile phones. I live in a country with high unemployment and I regularly see poor and middle class people.. owning 2 or more cellphones.  ::)

The cellphone companies are making a killing with their high cost for data and voice calls.... I would much rather invest in uncapped broadband internet that are grouped between 2 or more houses... effectively sharing the cost and using much cheaper data & voice. (when you are at home)

I know of families that are sharing Internet with wifi extenders .... when they live in close proximity of each other.  ;)

I'd say go for finding an alternative way of earning first, before investing. The former you have a lot more control of and has higher potential of earning faster and sooner, while the latter will be mostly be really really slow. Early on, more risks should be taken.

If you are poor and you live in a poor area, my number 1 advise would be to leave your area and move into another city or another country.
If you environment is economically stagnant and there aren't many opportunities, your best bet is to leave. If you can't improve your environment, the only way to improve your life is to change your environment with a better one.
Staying in a poor area means that you will remain poor forever. It doesn't matter how hard you try to save money and to work hard.
Poor areas have high levels of crimes, so you might end up getting robbed or killed. I wouldn't waste my time living in a poor neighborhood or a poor city.

You forgot to mention the first and main hint to improve your financial situation - buy Bitcoin! The more money you keep in FIAT the poorer you become. Inflation is eating up your FIAT. Buy as much ass you can afford - just a couple of sats now and then. Don't buy that extra pack of cigarettes or extra bottle of beer.  8)

The key for success is don't spend which excess on your income but that doesn't mean that you can spend 80% of your income and save the 20% since that still bad since it can slow down your progress maybe try to find some ways to find another income stream like selling some other goods which is needed on your area since even if your are in low income area for sure you can still earn by those people around you by buying their needs to you. Also try to seek opportunity online since on current era digital space is more convenient for human being to find work so its good for us to seek for good hustle to earn some another extra cash.

There is no point in beating a dead horse that is how when you feel there isn't enough income in your locality then move to a place where the wages are better not even too far just to the nearer city where you can have better salary but comes with more hard work then only you can bring the real change in your financial status.

We have to manage our expenses as much as possible in a month and not buy things we don't need so that it will not affect our expenses. And do not forget to save or set aside a small amount of money for our future, whatever the type, so that we can benefit from that savings. It would be better if we use the money to invest in bitcoin to get a lot of returns when the price increases.

Living a simple life by not following the trend can be done because the trend will change and if we don't have an excess budget, we will be left behind. And the tren will disappear because it always changes from time to time. A simple life's purpose is to prepare for a better future.

Many people who are addicted to smoking and drinking alcohol don't think about the kind of calculation that they consume in their vices. It's already affecting the budget and damaging their health.

    Others spend more than $1 on their vices, especially on alcohol. They should change the habit of saving bitcoin that instead of buying cigarettes and alcohol, they save their purchase for a week and buy bitcoin, even better.

1. It's easy to say to get rid of cigarette and alcohol when you was not an addict or never try it, will you try those stuff and become daily user, then quit it completely? I believe you can't. I know it's their fault for choosing to consume that, but the real truth is they're also want to get rid of those stuff, but they just can't.

2. Everyone know about buy cheap and sell high rule.

3. This is the biggest problem we're seeing in social media, but sometime people boasting their luxury lifestyle and achievement in social media to built a value in order to get endorsement.

Last week I watched a youtube clip about homesteading published by someone in a poor area who said it took them 20 years to find a way to become profitable through DIY agriculture in their off grid farming setup. They started a seed company, did communal gardening, sold their produce at local markets. Tried other approaches. Apparently none of that worked and it took two decades to generate profits, which proves how difficult it can be to generate income as a producer without the benefits of a strong consumer market.

That said, I think there are often angles or opportunities, even in poor neighborhoods where people lack access to raw materials, equipment and resources. It is difficult to identify and recognize them when we see them. But they are definitely present. Everyone wants to get ahead and do better. Most of us simply do not know where to start, or how to get there. In that sense I think identifying opportunities is important.

Having good information and guidance is also important. Most of the information offered as advice trends towards being generic and diluted.

Even in poor neighborhoods with weak consumer markets there are always opportunities. They simply happen to be things that no one wants to do. Or they break with routine in a way which people find uncomfortable.

Developing a new skill set can also be a big part of it. Making the most of opportunities often requires learning new skills which one currently lacks.

You don't need to copy anyone's life style especially when the person gets high income than you do. Life is not all about competition so in whatever area,you find yourself manage the little income you get wisely so that you will be able to be patient for a bigger opportunity.

Living a fake life is the worst of all,showing off when you don't have enough, this will make you loose some opportunities in life,because if someone wants to help you,he might think that you have more than enough,which might make him help someone else. Be real and spend wisely without love listening to what people are saying about you.

Addictions go past cigarettes and alcohol, there are many other habits that can put a hole in your purse and not all are dangerous to Health, there is also gambling, womanizing etc. Keep a strict budget that still has accommodation for the things you like and try to stick to it, to help put it under control.

Are you for real? maybe this is applicable in your locale, but in my location, It is easier and most times cheaper by some amount when you buy most items from a physical store. Some online vendors have charges plus you also have to consider delivery charges that you must include for your order unless there is a free delivery offer.

There is no need to move if the area have internet access, there are plenty of online jobs now that get give more profit than actual job can give. I knew some friends who stop going office and rely in online work as virtual assistance some become online affiliates and encoder. There is just some need to study how it works but where already in modern generation now that we can do more jobs and not just by sticking in 1job for 8hrs or more. And now that online access is much wider finding job is limitless we just need to acquire some knowledge to do it.

We also need to develop a good management skill to be able to make effective utilization of the little resources we have into something big, this will help us towards avoiding excessive wastage, damage and gives give maximizing potentials to the resources within our capacity, many have failed alot in many areas of life all because they couldn't developed a good management responsibility in life, they miss out alot of opportunities at the cause blaming the situations around the economy and this is not really a location base factors, we can achieve to any lent in life irrespective of where we are only if we are determined to.

It would be easy to say but difficult to do because if you move near a city, the expenses are also so high that it is just enough  for you to survive, like paying rent because your home is far away and the food is more expensive than in your area. Though the opportunity in the city is endless, it would be great if you could cut your expenses like you have relatives to stay with or it is just really near your home. Then getting hired by those companies where you will start with a high salary is difficult; you still need more experience or time to render in a company before getting an increase.

It's hard to say whether this is true or not, because some items are cheaper than online stores and some are more expensive. But mostly now (where I live) people shop more at online stores (maybe this is an effect of the times too). But if you look at promos or discounts, now online stores offer more of that.
Now what items are not in the online store? everything is there, even when around where we live it is difficult to find the item we are looking for, then in online stores we can find it easily. This also attracts a lot of interest from consumers to shop more at online stores.

Those people that are still living just to show off to others are the ones that will really suffer in the end. There's no end for one to have themselves boastful with what they've got and it's still the best to live life being humble and showing humility to the others.

But as the topic all about thriving, don't be dependent on a single income. You need to find ways which you can showcase every single skill that you have. Look for side hustles that will give an additional income, be the working person and enjoy it at the same time. Find your passion through it so you won't get bored and exhausted.

Another set of mesmerizing AI imagery. I love it, but I must say that after some point it feels like AI art has certain vibes that make you recognize that it's probably not made by humans.
As for the recommendations, I generally agree, but whether online shopping is less expensive depends on your country (it's not in mine, plus you usually need to pay for delivery). As for unhealthy habits, it's often hard for people to quit, especially when they feel deprived of other things, living in poverty, so mental impact can be too negative to do that.
I also tend to agree with mk4 that, if possible, it's important to try increasing income rather than relying solely on cutting on spendings. It's not always possible, and it's not always worth it if you're dedicating time to something that you feel like you should do (such as getting a university degree), even though it doesn't bring you money now. But sometimes you need to think what you can do, what you can offer to the job market, and try going for it.

Yes, people who live by wanting to be looked at by others is a lifestyle that is not good. There is a difference between being someone you look up to and someone you want to look up to. Usually they hold whatever they don't have as long as they get more views from other people. And what they do is excess, and excess is not good.
A side job is an option for everyone who wants to develop. Surely it will take up a lot of time and energy because we have to work extra in addition to the main job. But if we do it sincerely and with joy, it will be easy to do, moreover, a side job is something we like.

This post is solid, simple and on point. I love the graphics too. If I had merits to award you right now, I definitely would.
A humble place is not a place where flamboyant lifestyle would thrive. Finding yourself in such a place first reiterates your background or struggles and it would require one to be ambitious enough to be able to upscale this kind of area.
Habits do alot here. It will make one or break one. When you spend more than 10% of your income to accommodate a habit, then know that it is one that should be strictly regulated or replaced to accommodate your finance.
Avoid buying too much luxury or properties you don't really need, because if it doesn't consume energy, it will create distraction for you who has goals to achieve.
Live creatively. Learn to fix things that become faulty and turn scrap to aid efficiency.
Here's my take on how to thrive in a humble area.

Just as a matter of curiosity, how much do you pay for delivery fees in your countries? If it weren't for the fees, would it still be cheaper to purchase at physical stores? Here in my country I also pay for such fees, but adding them to the goods' costs, it's still more convenient shopping online.

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Thanks, glad you liked it! It's the thought that counts! Your input is highly appreciated on this thread! :)

everything you say here is 100% correct, simply put; many people get out of control with money just for reasons that don't make sense like wanting to be seen by people or self-reward, even though without good financial management, someone will only add debt and suffering to their life especially if the person lives in an area with a small turnover of money


Savings is a very vital thing in life, it's like preparing an umbrella for unexpected weather conditions. I continue to prepare cash in preparation for unforeseen emergencies. I have learned from past experience when my child is sick, I don't have the cash to pay for the hospital, fortunately, I have in-laws who immediately give me money for my child's hospital fees, if I don't get money at that time, I will definitely lose my child.

We much appreciate your helpful advice on how to survive financially on a low pay in these trying times. One of the most important things we can take away from your guidance is the need to be cautious about how much money we spend and look for places to save. The long-term health of our wallets may be greatly improved, for instance, if we forego costly vices like smoking and drinking to excess.

You mentioned several really valid points, including the need to have an optimistic outlook and fight through financial difficulties. Maintaining a goals-oriented perspective while also being receptive to new possibilities is crucial. Making the most of what we have requires good financial management, and we can do this by sticking to a budget and selecting our purchases carefully. In general, your suggestions are a wonderful jumping off place for anybody who wants to improve their current financial status.

Resource management is hard because if you calculate just "things", then it will become easier, but if you are talking about man hours as well then it becomes very hard. I am one of those people who does a job in 8 hours when it can be done in 4, because it takes me too long to make sure I did the right thing.

Like for example, I write something, then go back and read it twice each time, rarely some days I don't and I warn my boss to check it, because, I want to make sure. If I removed that, and just wrote and never looked back, I could finish in 4 hours, and write for another 4 hours and make more. So man hours is a lot harder, it's really tough.

I used to live on low income back in 2015 and 2016 when bitcoin was in a bear market and I didn't know how long it could last. What helped me a lot is that I had a cabin in the woods that had central heating, plenty of firewood all the media connected including the Internet and all it needed was a little cleanup.

It all depends on what the cost of living in your area is and how much you can do on your own. I have friends who live in the city and 1 month of rent costs them almost as much as I pay for the whole year. In the city you get to share all the costs like when you live in building with lifts you share the cost of their maintenance. You also pay for the electricity used in the hallways and in the parking garage.
It adds up over the years.

My advice, if you want to save up, find a piece of land and live as far from the noisy and smelly city as you can.

When I saw this post, it brought me back to when my father was still working. His salary was decent, but I wonder how he managed to provide for us, feed us, and ensure that we all finished school. It takes a lot of sacrifices, and most of us want to live above our means, however, addictions seriously affect how much money you make, and social pressure from peers and other people causes you to spend more than you earn.

It's hard and expensive being poor, so anything that you can do to build up a bit of a financial buffer will greatly help you. If you can buy products in bulk you can save huge amounts over time and you should pay particular attention to special pricing because product prices can vary widely. I've also seen some crazy behavior by people with low amounts of money who try to replicate what they think other people with money are doing - like buying takeaways which cost huge amounts compared with learning to cook your own dishes (ideally in large batches) with cheaper but more quality ingredients - you also cut out a lot of overly processed foods by doing this too. Looking after your health can go such a long way.

Live within your means like they always say. Go to mom's and pops to shop for thrift close and do not be bothered about designers. Cook your meal and take it to work instead of eating out. You can do your laundry yourself and not take your dirty clothes to the laundry person. If you can grow your own vegetables, life is easier this way. Buy your things/ foodstuffs in bulk. Instead of hanging out with friends at the local pub to drink alcohol and have unprofitable conversation , buy yourself a bottle or 2 and sit your living room.

I'm curious about how things are on your side because a lot of things don't really make sense and I'm really curious how things work in your country. The first is obviously not a western one since if you say it's not unusual for people to spend 1$ cigarettes, with that you can barely buy 2 or max 4 cigarettes a day, that's well below the average smoker, for your average smoker in that area that would be more like 5-10$ a day.

But at the same time, you claim that online shopping is cheap, so you have the infrastructure in place to order cheaply and with free delivery, and you have as I remember from the other topics really expensive cooking oil and others, so, there is a lot of things that don't really make sense on a whole. I simply can't picture the country with cheap cigars, and chap shipping for online groceries but expensive ones on par with western prices.

Ps.
Those are not advices on how to "thrive", more like to survive.


You never give up, don't you?  ;D

Indeed, these two become one of the expenses to spend the most of our wage. I personally don't do both, but I am seeing some of the people around me, who seem like being so happy if they have got their cigarettes and alcohol sometimes, which seems to be more essential than spending to buy rice  ;D
I ever asked them which one to choose between cigarettes and food, and they prefer cigarettes. I can't think their thought but is cigarette addiction that bad? Additionally, to stop spending money on those two may be very difficult for them, moreover, it will depend also on the environment where they live. Sometimes, the environment also influences the habit. But, if we are living in such poor conditions with health habits, we may be able to do it as long as we have the awareness to stop, although it will be very difficult to do.

When we have a small wage ad we live in a poor environment, we may not need to choose where we want to shop, because we have been aware where the place we can afford. The shop around us with lower prices will be much better. The worst thing is if we have a small wage in a poor environment but our style is like a rich man's and we force to do that, this will cause problems because the style doesn't fit the salary.

Briefly, indeed, I really do agree that managing money is very essential where we live and whatever the amount of the salary. Money management will determine how we live and how we can survive in any condition. This is very important.

I'm not a smoker, so I did an average calculation considering a cigarette pack costs about 1$, as I found prices varying from 1$-1,60$ and I know people usually smoke a pack a day (20 cigarettes).

It depends on the season. Sometimes a price of a determined good is expensive, but after some time its price decreases and the price of another good is raised. I guess there is some market manipulation involved on this process, although another factors are used as excuses, like pandemic, lack of rains, excessive rains, global crisis... The cooking oil (900 milliliters) now is about 1,30$, as I bought it yesterday.

Prices also depend on the brands, of course. There are prices and products for every pocket's sizes.

But I have to say the shipping system is getting better each new year. Delivery is getting faster and costs remain acceptable, as the state's courier/post office's service lost protagonism and private companies and individuals are taking its place (example of delivery fee: a bit less than 1$, just now for a smartphone purchase).

Actually, if you are able to save money and invest in a weekly or monthly basis, you are thriving. In slow steps, but thriving anyway...

Where I come from, the problem most of the time is that many want to impress others. Many live their lives trying to be pleasing to the eyes of other people. So they want to have branded clothes, branded shoes, branded everything. They want to have an expensive phone even if it means taking a loan to buy it.

With a low income, I'd rather live in the most practical and simplest way possible. My friends used to make fun of my keypad phone because everyone else was already using smart phones.

The main factor in destroying a person is lifestyle. so that many people are destroyed because they follow the trend while their income does not support it, so that in the end it makes it difficult for themselves because of an inappropriate lifestyle. indeed it would be better even though we are rich, but still have a simple lifestyle, so that our assets will continue to increase, and guarantee our old age life, when we are unable to work. because nowadays many people prioritize prestige rather than function of an item

The presence of online loan applications makes it easy and tempting for us to be in debt, in my place many people also always follow extravagant lifestyles such as changing gadgets, vehicles and so on, when they have difficulty paying debts then the shortcuts taken are debt or selling assets that will make them regret it in the future.

Interestingly, the money does not automatically appear in our bank account. If your intention is to increase net worth, in my opinion, close to 100% may be rather impossible in 1 year without real effort for example in stock trading or day trading. Yes. It is part of the effort to increase investment estimates. If trading is allowed to use short-term patterns and for more comfort and satisfying results, use Long Investment.

If we only want to please other people by following the trends they use, it will be in vain and will not bring us any good because we will spend more money than our income. We don't need to follow other people's way of life because everyone has different standards. The best is to live simply without showing that we can follow every trend but that will make us uncomfortable with ourselves. Living a simple life does not mean we are deficient, but we try to fulfil our basic needs first and use the money still there as future savings. It would be much more worthwhile than just following the trend or someone else's lifestyle.

As for me, it's better to look too low in the sight of the others but they don't know the actual situation that I've got, whether it's tough or not.

The problem with those people that are only living but to brag with what they've got and only want to be praised by other people, they'll have hard time dealing with changes regards to that thought they have.

Through the side hustles, whichever is comfortable to you, they're really great ways to have another source of income and you can allocate the profit there to any of your bills or desires.

Successful people will make anything potential, many successful people in areas who have low income, I see the things they do is dare to provide convenience and capital loans so that they can get big profits, for example agricultural areas and there are people who dare to finance farmers from processing Land to harvest and he gets very good profit sharing.

I don't actually know what people get by showing off. If you are worth $10k and you pose yourself to worth $500k, you only putting yourself under pressure and also then people will only be surprised at you when you cannot live upto the expectations for people who worth $500k.
But when you are worth $2M but appear to worth $10. Everyone will be surprised when they know your actual worth

Nothing comes easy in this competitive world so if we don't want to be in the trap then we have to get out of our comfort zone to make any real changes.

Well the rent can be bit expensive but food will not be a big problem because all we need to do is to cook on our own to save big chunk or else better find a job which provides accomodation at first then we can climb further based on our working skill.

No objections, for suggestions, directions, steps that you said exactly 100% reasonable idea, for people who think about it, I'm sure all of us know that, cigarettes, alcohol, shopping, luxury lifestyle all that is a real waste for the economy and human life.

• The problem here is that many people can't afford to throw away and do all that, especially cigarettes & alcohol.

I once met a person, by chance that person lived close to me, he told me, smoking can kill you, smoking can make you poor, so give up smoking from now on, what he said is still stuck in my brain.
Before he spent on cigarettes one day $ 3 a month $ 90, that's just for cigarettes, nothing else, 5 years he has thrown away cigarettes, the money he piggy bank every day now the cigarette money he has collected is $ 5,400, just imagine the money we spend on cigarettes, let's try to invest in Bitcoin as you said, it's unimaginable in the next 5 years, if Bitcoin breaks to the level of $ 100k, the economy will automatically change drastically.

I trust your suggestion.
If, cigarette & alcohol money is invested for Bitcoin, in the future their economy will change drastically.

Social media makes people show what kind of people are on thier platform. It's how they show social status and I can see some friends showing those pictures they just arrived from a vacation which they visit abroad and visited a prestigious beach hotel with pictures on Facebook. It's not bad going having a vacation but if you spend more than you can afford, that would be a problem.

True. People will appreciate when you get rich, they'd be happy for you. Even if it's true, it's better to not show it to the public. Keep it to selves.

Yes, it's actually much better to live normally without thinking about what other people might think, it will make our lives calmer in the face of the harshness of life. Even if you think about it, why do you want to be seen by other people, if in reality the life you live is fake (because you want to be seen by other people). It makes us uneasy, because we don't want other people to know what we are going through. It is possible that other people will respect, but respect can not only be obtained with that alone, with more respect for others, it will also provide good feedback for us.

I live alone and have few friends. I never try to show off my living life. So I am doing good on that part. But the habit of smoking is getting bad day by day. I need at least 20–25 cigarettes a day. It does not come cheap. I am trying to get rid of it, but situations are sometime so bad that I have to rely on it to get my head clear.
Without this, I have no problem living with a low income. But still struggling a little. Hopefully it will be over soon.

You can really find cheap foods or cook meals that last you a day, but finding a job is really difficult. Most people right now are taking jobs that they are not experts in because of the competition right now, as a lot of applicants would apply for a certain position. The only solution really is to find a job first before moving to a city and compute if it is sufficient or not, because if you are struggling, then it is okay to stay even you struggle at your current job but at the same time apply for another job.

Doesn't matter how depressing is your day, never give up:

Live must go on and it doesnt matter whether you are living on a hard situation because everything could changed up if you do really make yourself that eager on trying to enhance your lifestyle and status.
You wont really be able to achieve that if you arent really that doing your best and hard work for you to achieve such condition.If you do have that low income then try out to do your best on finding another source and dont easily get discourage if ever you would be facing up some challenges along the way.Live by your means and not on wants and trying out to enhance if you do have the opportunity that you do able
to see along the way.It is really just a matter on how someone would be handling out their lives.

I guess that’s because that man is simply closed minded. Although I have often hear same instances like that, but to put it in general, those kind of people are just afraid to change because they think they would still fall on their vices again later on. And as what I have often observed, those who fall for different vices are usually those who have no permanent jobs, as they have more time for their vices than to look for a stable source of income that will make them busy with and that will give them a good income.

I don't understand why active smokers say they can rely on it to clear their heads, I define that you just need time alone to think but not because of the influence with cigarettes, but the cost of cigarettes is increasing because the government increases cigarette taxes because they think that smokers will still buy them regardless price. But it's hard to stop smoking addiction and you can reduce the addiction to 10 cigarettes per day so that it will slowly make you quit smoking. Consider your economic problems and it is better to meet basic needs and savings than smoking has been spent and only leaves disease in the body.

Focus on your needs. That’s the most important so you sustain living your life without getting into debt. Buy only your wants if you think you already can afford it, as you have spare money to spend for it. And for you not to suffer with the increasing prices brought by inflation, then manage your free time and get some extra sources of income that will make use your own talents and skills. I guess that’s not hard to realize as long as you have goals to achieve, and you have set the plans on how to achieve them.

I have been trying to reduce it recently, but I have OCD, I overthink a lot, Migraine, all of that. So even if I try, in the end I end up doing it again. I know that it's not good. I know very well what it's doing to my body. But now it has become an addiction. I will try to control it, and it has been affecting my life so much.
Thanks for the advice.

Actually, in this case, I don't think it's showing off either, because regardless of anything, not seeing or not getting too involved in other people's business is really not something that can be shown off, but I quite agree with what you said because everything depends on us in our true attitude as long as we are we don't do anything that is out of bounds and our attitude towards other people is of course knowing the limits then other people will also treat the same thing and vice versa because I still believe that what we plant is what we will reap and of course when well then the feedback will also be good.

Hmm, how do we call this thing, being lucky or truly unlucky that a pack is so cheap? It's usually around 5-7 for a pack here depending on the blend. I'm usually against taxation but making things like alcohol and tobacco cheap for countries with low income shouldn't be a thing, normally one should think of making them even more prohibitive than in rich countries where they can afford this, but it seems like every politician wants to keep those cheap
Panem et circenses (https://en.wikipedia.org/wiki/Bread_and_circuses) to keep the masses happy.


Yeah, you have low costs with gas and probably bike transport, low wages, if that is applied to a high-density populated area you can bring those fees down, anyhow I have zero delivery fees here for some only shops but it still can't beat in store prices, at most it'ss the same prices but you will never get a better deal online alone for groceries, most real good deals are of limited availability and not even feature in the app as they are sold out in hours.
Second, most of the chain stores have a 20-50% discount on products near the expiring date, those are only for in person so somebody in desperate need of savings will still go to a physical store.

I still think that the best way to save is by what you buy not really what method of shopping you use.

Does it ever gets surplus @Budget? Mine often ends in deficit no matter how hard i try but somehow, I get to archive most of what I've got palnned out.

I really do think how to survive is not something you really get to teach someone. Most persons have got the know how to this tricks but somehow, perhaps due to societal influence, peer pressure and low self esteem, one tends to go out of his or or way to measure up in status. That's such a sad way to live really. You'll just find yourself living another man's life while yours stay inhibited andost times, your left thinking just how to make your shoes fit.

Just know your income range and when it comes periodically, the better. You scale your needs and wants to what is commensurate as per funds and spread it through when your sure to get the next pay. Also, learn to keep something aside for emergencies and some investment. Cool!

It only takes advantage of existing opportunities to earn income because those who have capital also see who still needs capital to carry out their work by applying loan regulations to the agricultural sector and also other sectors besides agriculture. Because the target of the capital provider is to get profit through this in order to continue to rotate their capital so that the income is always there and does not make them too tired in managing it.

To thrive with a low income, the individual must have a monthly budget and stick to it strictly. Failure to do this would result in the individual falling into debt, and this can spiral into an unending hardship. Also, always go back to your budget and have an emergency fund set aside to take care of any unforeseen situations that may come up later.

simply put it, don't live beyond your means. if you know you are in tight budget, just make your own coffee rather than buy in starbucks or other coffee shop. just a simple example that will give you idea how you need to act in your situation. have a monthly budget of your necessary needs. as much as possible pay your bills on time. piling up would not do good in your budget as it may incur penalties.

Lucky or unlucky, it depends on the point of view, I guess. :D

Even though cigarettes' costs here are much cheaper, the corresponding percentage to taxes is already quite high: it can reach to 88% of the product's costs, depending the state of the federation. It's considered the good with highest taxation of the country.

Anyway, I suppose the quality of the cigarettes you have access in your country must be superior (composition, ingredients, blend, texture, etc).

Also, despite cigarettes being cheap, there are people who still go for cheaper illegals ones from international smuggling. Can you believe that? :P

Transport is mainly done through highways by trucks. Diesel costs about 1,30$ per liter. Wages are minimal for most workers involved on the process, that is true. The point is that there are many warehouses being built by different delivery companies in key positions, so they can supply the largest number of cities around in a minimal time frame, with reduced costs. There is also a lot of partnership among different stores, so when looking for a product in a popular shopping website, they will contact an accessible partner who has the product you are looking for and he will execute the order.

Physical stores are more expensive because you pay for the seller's comission who treat you physically in loco.

That's true. I'm living in a third world country and life here is really difficult if you're not from a middle class or rich family. The minimum wage salary is not enough to sustain the needs of a family of 5 or more, it's already hard to budget due to the increase of almost everything unless other family members are also working.

So to survive, you really need to prioritize the needs before the wants. I think if you already experience hardship, you're already aware of what you should do that can make you become wiser when it comes to managing your money. In addition it is advisable to not rely on your main job because as we always said, having an extra income is much better because this can maximize your earnings. This way you can provide for what your family needs and can somehow save.

It can be a vicious cycle, actually.
People do not get a job because their vices, since they do not have a job then focus on their vices. There can also be some kind of mental illness or affliction which makes things harder to them.

I generally try not to judge people in those situation because I do not actually know them or know why there are "trapped" in such life style.

Showing off is rather deeply embedded in our DNA. It could even be traced to our natural tendency to spread our genes, find a mate, survival, and so on.

Anyway, what's funny is that if you are worth $10k and you would want to appear to be worth $500k, you might end up spending $50k. On the contrary, somebody who is actually worth $500k only needs to spend $1k and he/she would still appear more worth $500k than you are.

When a poor man tries to impress others by wearing original branded and expensive stuff, others will assume those are all imitation. When a rich man wears cheap imitations, others will conclude right away those are all truly original and expensive.

I also live in a third world country where inflation is over 50% and the government have not increased the minimum wage. This has led to high rate of crime and suicide in my country. What me and my family did was to cut down on our expenses. We observed that school fees was eating up most of our finance and if we don't reduce it, we might starve. My partner is a qualified teacher, so we decided to get the necessary approval and started homeschooling the children. And it worked perfectly because the children were able to pass all the standardized examination last year. We also reduced our spending on clothing. We ensured that we bought quality clothing that are durable so that we don't keep spending consistently on wears. Our family also had to move from our neighborhood to a cheaper house somewhere else. We also had to learn to eat locally produced food and reduced our spending on some expensive imported meals. These changes were very painful, but we had to make these sacrifice so that we can survive in this perilous times.     

The unique fact today is that there are many millionaires from areas or places where the majority are poor, if we want business and quick profits then the best thing is to look for areas with a low economy, there are better opportunities than in cities that have to compete with old players and more known to the public, if we think positively then it is no longer wrong to start a business from a place or area with a low economy.

It is difficult and challenging to follow those procedures you outlined given the current economic condition. I firmly believe that if you want to improve your life, start by improving yourself. A positive outlook from within can really enable you to go past your difficult circumstances. I believe that your community and government also have a significant impact on our ability to live fulfilling and prosperous lives by creating jobs for those who lack formal education or who dropped out of college.

We can always witness these kind of people living in squatter’s area as most of them live their lives poorly but overspend when it comes to gambling and vices addiction. That makes them poorer in the process, instead of looking for jobs and saving for their kids future. But I don’t tend to generalize since a lot are also struggling to sustain from their low paid jobs and do a lot of ways to save so they can sustain living their day to day activities.

Thrive is the hardest part. I mean if you have a low income then even if you live in a humble area then you can't really thrive there, or maybe your understanding of thrive is different than mine.

I personally believe that if you want to thrive, then you should be making more money than people around you, I used to make as much as x4 more than what people around me made, but these days the inflation caused it to be terrible right now and because of that people are getting a lot more money, even though their purchasing power is similar, or maybe even lower, which caused my x4 to be a lot less, barely x2 these days, not even that much. This is why it's a trouble.

Some supermarkets are selling overpriced commodities. You spend more on the same item one could get for less at a corner shop or a thrift shop.
If you earn low, there is no need to act rich by going to the malls, or having expensive launch and dinner dated or breaking the bank to designers whatever to impress people who do not like you.

Use your tongue to count your teeth is a famous saying.

People are now doing organic garden - and this is helping them save few bucks.
There are so many things we can do to save some funds. and this is the good practice too. I would try not to go to market for window shopping. I am not going for the minimal approach

Life isn't all about saving and only thinking about investing, you have to be able to balance everything without being too stingy to yourself. Oh hey, I need cigarettes and I need drink, eat and lifestyle - but everything needs balance with income and expenses. It's fine to live simply, but you may never be able to enjoy the fruits of your labor if you are too strict on yourself.

I'm not going to be this strict with myself because basically I'm still thinking about how to enjoy the fruits of my own labor. I'm not sure how strict you are, but I think it would be ridiculous to live so simply when you have money.

It shouldn't be a thing for low income countries but I remember years ago I read a news where in one poor country the government increased excise duty on Tobacco and Alcohol and there was a big protest inside the country. People were saying things like: We have low income and how to get the fun out of life if we aren't able to buy tobacco and alcohol. Now they want to take it away from us. || So, yeah, the government truly keeps it lower to keep people quiet but at the same time even if you try to increase prices on these addictive things, it will cause more protest among them. I think it's like being a poor and having a possibility of little fun at the same time sometimes becomes a comfort zone that people don't want to leave.

That depends on the country. As far as I know there isn't a huge difference between buying grocery things from Amazon vs supermarkets in the USA but if you compare amazon.de prices to Kaufland for example, you'll find tremendous difference. And in Germany Rewe is an only option to buy directly from the store in its original price, most supermarkets don't have delivery or you have to use some 3rd party apps that aren't a great option either.

Btw once I was in one Eastern European city where Bolt Food was a new thing at that time and they had so amazing promotions for more than a month that it was very savvy for me to order absolutely every food and grocery online via their app instead of shopping in local supermarkets. Almost everything was -40% off for a very long time.

We are living under different circumstances. Not because some people having the same salary are able to make it through the day, same thing will go to every people. We have different bills to pay and life we are living. I do get the point of being more positive with life, strategizing things to make one's income more efficient, and such but that's not how simple life works to each and every one of us. Environments would matter as well, perhaps you are already a bread winner of your family and it happened that you have created your own. Would disengaging to your biological family be a key? No. 'coz we are born with different cultures. We simply need help from governments. Small salary won't be sufficient if the market goods are just expensive.

That’s how it should be. Focus on your needs, not on your wants so you can live your life accordingly based on your set target. And stay away from all those temptations that are only considered unnecessaries in life. That way, you will live your life at peace, away from being drown to debt. And yes, have your own emergency funds so you will always be prepared for whatever unforeseen events that may happen unexpectedly in your life.

I think management is very important, regardless of the amount of income. All you said is true, and once you don't manage well it starts resulting into always collecting borrowing before receiving your payment. It is better to plan because he or she who does not plan in life is then planning to fail. That is where most people go wrong because they do not budget their income and do not plan.

Those are good tips and they are necessary to cope with your situation, but probably the most important thing when you find yourself in a situation like this is to try to earn more money, and there is no other way than to become your own boss and start your own small business, even if you got another job and worked for someone else you are not going to be paid what you are worth, then your only option if you want to improve your living conditions as fast as possible is to work on your own, now it would be unwise to leave your job when you are doing so badly already so you will have to keep your job for a time until your business succeeds.

It would be a total suicide if you do quit up your current job just to pursue on what you do have in mind specially on building up your own business and trying to be independent.We should do the opposite or really

that waiting for the right time and dont make yourself in a hurry because when you do then this do usually cause huge mistakes that you might regret later on.Proper planning and considerations before someone
would really be making out decisions whether they would be leaving their current job and focus on other career or would stay and would observe if they are really that making some progress.

Not all do ends up on being successful for those people who had tried out to be going into that investment path.

It is all about how we tackle the situation with the income made. Most of the time people have an attitude to manage the need with the calculation from the upcoming month. This means they borrow and so that by the upcoming month it can be settled. Something unexpected happens and unable to settle it becomes a big problem and the amount getting carried forward will be a hindrance.

What is equally important is to never take on debt just to fulfill life's desires or to buy goods whose value will quickly decrease even though we don't really need it unless the debt is needed for very important things and for activities that can produce money and only consume the food that is process at home instead of buying at a restaurant because this difference can make us save a little.

be it a humble area or modern urban area. Inflation is hitting everyone equally
Emergency funds is the need of the time - you never know when you are hit hard and what is coming up. But one should have a good emergency funds. But then i realize when there are natural disaster like one happened in Turkey. What are emergency funds going to do?

Needs should be the priority first, and when you’re done with them, you can try to achieve your wants once you’ve got extra money to spend. But as I’ve said, if you’re struggling with funds, focus on your needs first. However, if you can have other sources of income, that would be a lot better so you can increase your income, reserve for your savings, and mostly you can do as much as you want with your extra money on hand.

Self-discipline is very important for us to have proper budgeting. Nowadays, the price of necessities are increasing which includes our bills so buying things that aren't really needed will just consume too much of our budget so we must delist them. As much as possible, we must live a lifestyle based on our salary and we shouldn't exceed too much so we can still have enough savings. Don't be attracted and tempted to buy unnecessary stuff to avoid misbudgeting. Control our urge to spend too much, especially on things that we can't afford. It's better to live a simple and well-managed life.

Do your best to have this kind of partition.

30% savings
30% food other similar expenses
5% transportation
10% bills
10% rent (if you dont have your own house)
15% Clothing

This is my partition on monthly basis.It depends on how much you do earn though since
we arent living on the same place and not earning on the same numbers.

Life is planning,  the only way we can meet up to our target in life is to adjust the lifestyle in which money is been spent. It alway difficult or impossible to meet up when there is no planning on how money is been spent. Money is mysterious,  no matter how much amount of money is coming in, if there is no good planning I'm managing it, it can all go off without one having any knowledge to give account about it. Money can be difficult to get but very easy to spend no matter how big it is.

One example of a plan is "I want to go out and I have to take an umbrella or a coat because maybe when I'm enjoying the outdoors, it may rain or shine."

in life, a plan is vital, don't let it happen when you lose your job, your family gets sick or even dies, the cost of education is increasing but you don't have the money to fulfill it all.

When I was young, my money ran out quickly, even though I was a person who worked diligently and had a decent income. I can't control spending. But now I always say I don't want to spend money for something unnecessary. I already understand which needs and which wants. Desire is included in the category of unnecessary things. Because we don't know what will happen in the future, so maximize your income to invest or to save.

This will really depend on where a person lives. in particular, those living in poor neighborhoods or areas. The problem is that environmental factors will greatly affect how the people see themselves, most of the poor do not have sufficient resources. whether it's in terms of income, or the way they think. the ways you describe in this thread are very useful, but to implement them is not as simple as we discussed. especially the marginalized, who do not have proper education. almost most poor people think and what they know, how to find food today, for tomorrow, how later. let alone saving, even to meet basic daily needs, sometimes they are not met. I think it will be very difficult to implement it, especially in the midst of a crisis that has hit the world economy, food hunger, and so on.
but in essence, the methods that you convey in this thread will apply if someone wants to train and educate himself so that he is released from the poverty trap.

apart from all that, overall, the points you convey are very useful tips and advice. I like it, especially the last point.

Social media is effective and that's why having ads there will really push us to buy things even if we don't need it. You'll get to see the algorithm of them work.

If you're telling something while you're connected to the web and you have their apps on you, later on an ad will pop just exactly what you've mentioned.

That's why it is encouraging for everyone who sees those ads especially if they're food as you crave. Control yourselves with that and you'll get to save money.

Live within your means and stay out of luxuries in life so that you will not be tempted from taking unplanned debt. That way, you can focus on the necessities like your needs, and avoid all those unnecessary things that are not even useful at all. That way, you can expect to live within your own comfort and peace without being triggered by some unpaid matters.

To be successful in business, there are many things that we have to pay attention to, and for the location, of course, we have to take good account of it, if we focus on business in locations with a low economy, the most important thing is to understand what is needed there, for example, agricultural areas which usually have a low economy. different from the city area.

To me hardwork is the key be it the area of low income of expensive town life is difficult.
But only hard word - honest and the invasion is the best of the all.

I think the best approach is the minimal approach - less is. more - spending money on the items which are not needed should be avoided
Have some patience on buying and save up a little. Life doesn't remain the same - neither happy nor sad!

Financial literacy of a person is one of the most important items that a person should have. This will allow you to correctly plan an available budget, so that not only enough to survive, but also to create some kind of start-up capital (albeit not large), which will allow you to start a business, or start investing. We are not taught financial literacy in school, this is what we must learn ourselves.

Many countries that we say are poor countries but in fact there are many world-famous rich businessmen, in many developing countries with per capita income of less than $2000 per year but he can become a millionaire, the main factor that makes someone earn big income in areas with small income is cultural approach , when they are accepted it will be easy to do marketing. In my country which is still poor there are some people who can master the economy, but they always provide services and are easy to help.

Yes, it's true, literacy cannot be taught in schools except by reading books and also looking for it on the internet and even then if you want to know it. Even though with good financial literacy, you can be greatly helped to live a more prosperous life financially and do it with discipline and consistently regardless of the income you generate.
basically financial literacy is very related to our daily lives. However, it seems that most people are not aware that it is financial literacy.
and take this decision to save or invest to achieve financial goals or you plan to do business, and it doesn't need to be big, the most important thing is that you do it regularly until your goals are achieved. And you should also keep at it and even increase your investment once your business is doing well.

That's also my question. School is just preparing us to be employees in an office setup, not to venture into other businesses or start on our own. That is why we need to learn it, and luckily the information right now is free on the internet. If we are not financially literate, even if we are earning a lot, we are still not able to save money, have emergency funds, or have savings because we can't manage our money well. That is why others are hiring financial advisers to know their spending is still good and manage their money.

In addition, be with people/friends that are also thriving. Having people around you with the same mindset and determination might give motivation and discipline to do what you're suppose to do.

An explanation of how staying thriving in a low-income area is a way to survive. If it continues like that then it will be difficult for us to develop. The right way to grow is to take the risk to get out to a place with high mobility so that it can cover all aspects of the business that can be used as opportunities.

the best practice is to have some emergency funds.
Work hard - have a roof over your head and be thankful to God whatever you have. The greed for more and the worry for the future is always a useless thing and killing our present joy.

Thriving with low income must be practical and not wishful thinking it must be deliberate and intentional and attention to details of every expenditure here are some of my personal examples;
1. WhatsApp calls instead of normal recharge cards it sounds funny but you could save more...
2. Calculate total monthly or daily income and compare with daily expenses and endeavor to spend less than 50 percent of your income.
3. Save emergency fraction 10%
4. Avoid impulse buying
5. Eat home cooked food avoid restaurant and eatery's also avoid drinks, drink only water
6. Don't spend to impress or prove a point... Etc

Not really, school are preparing us for the needed foundation so that we can stand up by ourselves when time comes.  School is not only teaching people to be an employee, there are lots of courses that specializes on entrepreneurship, business management, technical skills for freelancing and so on and so forth.  Financial literacy is also thought in school, you just need to find a proper course for that.


to be able to have some emergency funds when income is just enough for the family budget and bills is to have side jobs.  Having extra earnings surely help us in terms of financial stability.

Greed isnt bad when it is really still in moderation and you are still in control towards your will and decisions that been made up.We all do really hope for a good living and status when it comes to potential and this is

why we do strive out on doing out best to find the best way on getting some income and do dive into other opportunities which we do see that it could give out the chance for us to earn more.
Yes, we should really be thankful in every day that we are really that alive and still breathing yet we could really still able to find opportunities to make our lives at best as we can.
Do in your own methods and ways because living isnt that simple and you do need to work hard.

Talking about school today can be said that there are many wrong thoughts actually about school. The real reason we go to school is not to work but to enable us to learn various knowledge for our future lives but the problem is that the school's stigma seems to change. I don't know in other countries, but for my own country, the benchmark is that many students study in high school, for example, they always think about work and the main goal of learning becomes distracted because the focus is not studying, but getting a certificate for work.
This is clearly wrong even though we also have to think about the future like work and others, but this is not the right place, I think it's just that the stigma is always like that now.

I think what you said is more appropriate for those who still live in areas with low levels of income, because apart from having to move to places with more opportunities for them to develop. Those who still live in areas where income is still low must also open themselves up to gain more insight elsewhere so that there are more offers they can receive for an income that can make them develop better.

Being grateful for what we have is a special thing for everyone where everyone does it in a different way. And in terms of finding a place that has more mobility to develop, I don't think it's an attempt to be greedy, because everyone needs to develop and become more independent in their life by continuing to try as much as possible according to their abilities.

The answer to a topic question, such as the question - how to manage finances? REASONABLY!
No matter how much money you have - unreasonable spending - the path to bankruptcy and a beggarly life. Don't buy what you don't really need. But on the other hand, you don't have to wear the same socks for 10 years :) Seriously, thinking and image attract what you are. If you walk around in rags, not washed, not shaved - due to inadequate economy - you will not become rich, you will become a miser, for whom accumulation will be the goal of life. And as practice shows, such people end their life before they can use the savings.
Do not buy "fashionable things". A new collection of Lewis, GAP or iPhone - I'm not sure that you can't live without it! :) It's easier to take care of things and not change your wardrobe, for example, once a quarter.
You live in an environment of your own kind in terms of income - no offense, but clothes from the "luxury fashion" segment are not yours. No, you can buy yourself, but WHY?
And so in everything! Ok, I agree, for example, sometimes you want to drink alcohol, for example. But this does not mean that you need to buy Lheraud XO Charles VII, there are excellent inexpensive quality wines!
Yes, and a very important remark, please do not be offended, but understand correctly! Always try to be (work / communicate / ....) in a society that is "a step above" you. Believe me - it will be very useful! This is just a recommendation, but it allows you to solve many problems that cannot be solved in a society "one step down" ...

Very true, I live in such an area and the salary is quite meager 600-700$/month.  In general, if you have a family and children, most of the living expenses will be equivalent to nearly $500/month.  If you do not have a family, your savings will be greater with $300-350/month.  For such a fixed job and salary in the modest sector, the most important thing is to save, spend appropriately and take advantage of opportunities from savings to invest properly.  Human needs are infinite, each income generated / compared to expenditure is different.  I don't think anyone should learn from the wasteful spending problem that you have to bear the consequences of.

For those who are chronically addicted to smoking, Alcohol and maybe gambling, I can you that giving up this is one of the hardest things to do, I've meet several smokers who if you ask them to stop smoking because smoking is destroying their finance little by little, they are ask you that, you that is not a smoker, what have you achieved?.

The advices in the OP are all good, but unfortunately, not for everybody, succeeding in life take hard/smart work and great discipline, even a smoker and an alcoholic can still succeed if they really know what they want out of life, and work hard and smart towards achieving it, and also applying discipline and consistency in the work towards achieving their dreams.

When you're leaving by a low income earnings and have a low budgets plan for your living expenses then we can assume ou to have balance the means, but many people don't know how they can make this a reality by adjusting their normal lifestyle to the level of their income capacity, it affects that making a savings because hard and unbearable when the needs arising is more than the income budget plan, that is it is also encouraged that one cannstart in a low budget area to gather up resources in other to meet up by having low expenditures or cost of living to say.

It's true that taking risks and taking other opportunities will be the best way to get out of being low in income. The increase in income also varies on how you're good and skilled are. Sometimes even if you're good at budgeting, it won't just be enough. I've done it myself and it's frustrating when it's the end of the month and you've got all of your expenses written on a paper as you track all of them and still, you can only do so much.
With inflation hikes, the way to defeat is or you can get along with it is to increase your income.

A greedy person will not be happy and he will die before he can enjoy the money or wealth he has, every day he will always think about adding money and not caring about other people, nowadays many people are difficult and doing social activities such as helping others is noble things that will make the heart happy and of course eliminate greed.

those greedy bastards can sleep well in the evening thinking they have food on the table the next day or months. don't think of it that it's a bad thing to make money. they become greedy because they have more mouths to feed and they have plans for the future.

you actually can't think straight when you have no money prepared for the next week's budget. having a low income is like living paycheck to paycheck and a person will need to save and be greedy so they can leave more money for thier kids when they check out this world.

It all comes back to our respective choices. Do you stay with this situation or take the risk of getting out into a wider area with a bigger or even smaller result?
The benchmark of happiness is not about how much money or assets we have, but how we use it with gratitude.

That's what I mean, not how we manage money with the same income throughout our lives. But how do we change this income to get opportunities whether we can get bigger or at the risk we can lose it. There are many ways to change that, for example by doing business, trading, become a seller or going to the metropolis for a job with a higher salary than before.

And developing a business or building a profession that is our passion, in my opinion, is not greed, but self-development. What is called greed is if we as clothing sellers see that on front side us there are bakers whose sales are good, in the end we join in selling bread with the aim of competing with the bakers on front side us.

Please be able to understand the difference between self-improvement and greed, because it is very clearly different. In today's modern economic era, we are required to always be able to develop ourselves and that is not something wrong. Getting a bigger income from the results of self-development is a fair result.

actually it's not about how much we earn but how can we manage it well?  from what I observed in the neighborhood around the house where the average income is low, those who can manage money well can make ends meet while people who cannot manage it live with pressure, both debt and lifestyle.  when we are able to save some of our income by putting aside what is not a basic need, then we can develop well and be able to inherit some of the assets for our children later.

I also have a little advice for you guys on this topic.  And that is, multiply your connections and relationships.  This is important.  In modern times like this where everything is connected, relationships and connections play an important role in success that makes you move from poor areas.  From the number of relationships and friendships we build, we can create many possibilities and many variables in our path to success.

If we only rely on connections, then it's the same as we still depend on other people, if we don't come from a respected family, these connections are also quite difficult for us to get. At this time we also have to be realistic, where to start doing it yourself with a simple pattern is much better, for example trying to do business and investing with small capital that is done consistently. Connections can be used when we already have other devices as a support, so that building relationships becomes easier, because people have seen the process we are doing.

Another indicator I think is very important in managing whatever we want to do, while it's the process that makes it difficult for people to survive, because there are no other supporting factors when starting to do all that, so the burden completely becomes a process that we have to go through. The point is to be consistent, don't give up easily and continue to improve your ability to build relationships.

He didn't mention self-improvement there, only pure greed but you are right that both has differences. If we are almost helpless then we need to prioritize ourselves first before the others. There is the time that we can also seek a help from others but once we get up and are now successful in life, we also ensure that we will return the favor to them. Humble area, can be a small area and the cost of living there is not expensive so it's much easier to thrive here.

It only becomes hard if the person is not humble enough because he will pretend to be rich to look superior to others and the cost of it is that he will spend more but he will also struggle secretly.

We can always think about our future and it’s called preparation, but being greedy and self-centered will never help you to achieve your goal. However, it’s a good thing to have a savings for emergency funds, that way if you get fired from your work or your company has closed its operation, at least you can still use your emergency funds temporarily. But finding a good and stable job should be our focus especially if you’re a family man, and then increase your means of income so you will have multi sources of funds that will give you passive income.

Always focus and prioritize your basic needs, that way you will sure to survive even with less amount of penny. But never settle on one income that is only giving you a minimal income. Learn to get out from your comfort zone and develop your skills and talents, that way you can accept side hustles that will provide you additional source of income. At least, you won’t struggle on your funds anymore, and you still have extra money for your savings and only spend them in times of emergencies.

You are right, the solution is that we must have other skills to increase income because the main income is only sufficient for monthly basic needs, so income from side jobs is for savings and emergency needs because without savings we will have difficulty getting funds from loans, even though it is difficult to get job vacancies sampinan because the majority of people have lost their jobs since the last pandemic, so for now just focus on the main job even though the income is minimum.

What we need OP in this situation to properly have a good budgeting method. We need to know our priorities and change our lifestyle which is only suitable to our situation. Debts can be possible when surpassing our budget limits which are very difficult to move out and compromised our financial stability.
In order to increase our income, we also need to invest ourselves first - knowledge and skills for this will be an advantage when looking for an additional job and earning a higher position and salary grade.

That is the basic thing, not to spend on wants but needs should come in as priority. And if you can live as simple as it seems to be, then do it and never live setting your high standards as it will only make you spend unnecessarily and worst you become drown in debt. And as much as possible, always have varieties of sources of income, that way you will gain financial freedom later on.

It's true that he didn't mention self-improvement there, but he indirectly took what I said before to be entirely in the context of greed. Indeed from one point of view, it can be said to be greedy because they want to earn more, more and more money. Even though my point is how we learn to develop rather than learn to survive. As in the philosophy of football "the best defense strategy is to all out attack the enemy" and we can apply that in our lives as motivation.

There is nothing wrong with us also learning how to survive because someone's economic situation and circumstances are different, especially in different country.

Another way of making money even if just a bit, would be selling your hours, there are so many job opportunities online, such as virtual assistant, that you need to get better and have a great resume to get hired of course, so the start is definitely a very hard one, so you need to charge very little and you need to grow to be bigger by filling your resume constantly.

However, if you can do that, and waste hours on building that, eventually you will get much better about it in the end and that is what that matters. This is just one example, you can earn small amounts of money with absolutely no talent at all and it will be something fine for you in the end.

I think this part is the most important when it comes to trying and save more of our monthly income. There are two ways to increase our net worth, cut our monthly expenses or increase our income. When living in a rather poor area of the country with low wages and not a lot of opportunities, then we might not have the option to increase our income. Moving to a better area might also not be an possibility due to external factors. That's why in many cases the only real chance we have is to cut down our living expenses. Especially in the last 12 months with rising food prices I tried to save money wherever possible. Using vouchers and buying in larger quantities helped me to offset some of the price increases. I noticed that some fresh products like vegetables increased 50-100% in price over 6 months in my country, that's insane and won't be able to be paid by the average family for a long period of time. Switching to canned vegetables is not so healthy, but the only chance to save some money. Best would be to start planting my own vegetables, if I had the garden for it.

I agree with this point of view and have been through this myself, I can say that I am where I am today thanks to my social connections. A friend I didn't know gave me the opportunity to work at the company he managed, and after trying my best, I got the results from that job. Without his help, I could still get another job, but I am sure that I would not be as successful as I am today without his support in his work. In life, relationships are really important, not only in work but sometimes in life, sometimes relatives can't help us, but in social relationships, they are ready to help us.

In order to get a promotion at work, most likely we will need to improve our skills, and it may also require us to take more responsibility in the future, or add control over our subordinates, which will require more of your time.

Or we can find additional work outside of working hours, this will also bring us additional income. Now the Internet gives us many opportunities to earn money, you just need to start doing something, the most important thing is not to be lazy and the result will come.

Yes, no matter where we are in, whatever environment we are, as long as we are not lazy, there will be many ways to increase our income. If we have difficulty increasing our income in our main job, then think of a part-time job, sometimes, a part-time job can bring better income than the main job.
As you said: with the development of technology today, finding a part-time job is no longer too difficult, as long as we try, nothing is impossible. As long as you work hard, opportunities will come to you.

it is undeniable that this (relationships and connections) is indeed important in increasing the chances of success. having more acquaintances and friends and building good relationships will make it easier for us to seek business opportunities. It is even very difficult for us if we are looking for a job vacancy without an acquaintance. And when someone applies for a job at a company, the chances of being accepted will be higher if we have acquaintances in the company.

This is a good idea but one has to be careful of the kind of association and company they keep, there are some that only lead to disaster because they bring setback in ones life on the pursuit to move forward through them, that is why we must not be too desperate in seeking for association or people to clique with, instead we can work on our own little ideas and it may turn to be something big and provide solutions to a large extent beyond imagination.

If you are living with low income then you have to change your lifestyle based around your income for your own sake. Feels like the whole point of that post is about lifestyle and that's where the matter the most in 3rd world country. The problem is that they don't change the lifestyle and too consumptive compared to their monthly salary and have pretty hard time to manage anything, that's what I see at least.

If you know how to use your connection properly, then yes you can benefit from that source, there are many possibilities that you can use that connection to convert it to potential business proposals or something that may lead you to make some decent amount of money out from those people who can help you and support you with your goals.

But, just like you, you should not push yourself if you think that it can only ruin the situation. Pushing too much might lead you to a disaster and may affect your personal relationships.

The times are changing, and so is the economy, in contrast to the conditions and conditions at the time a few years ago, when the price and quantity of goods/services were still very vulnerable, easy to obtain, even accessible, but now it's reversed, as time and time goes by. the economy is increasing, of course it requires us to be able to carry out our own research to change the good reality, the world and the economy is increasingly developing/advanced demanding a person for an adequate income even greater to be able to maintain self-development and life.

There is no doubt that relationships are a very important factor in today's modern society, if you want to have a favorable life beyond money, then relationships are something that should be built. It is not only beneficial in work but also in emergencies in today's life. If you have a broad relationship, everything you do will become extremely favorable. Having the right relationships and money will help you have the most imperfect life possible.

I think the same as you. The answer lies in the question itself... "To thrive with low income in a humble area" someone needs to be humble! If "lifestyle" cost more than monthly income it will be hard to manage anything, and as time passes, debts accumulate more and more due to excessive spending. Sooner or later (depending on how excessive) the big problems will start knocking on the doors! It's probably the moment when life starts to fall apart and people get desperate... desperation is tricky, in those moments we are capable of doing many things. I guess we all know how far people can go sometimes, and it's definitely not a good direction.

Living with small pay or with minimal wage is not that easy especially when you are a family person that has lots of responsibilities to handle. It only takes one to be living am average lifestyle to be able to meet up with expenses. Things are hard now and meeting up with expenses is not that very easy except one had other source of income they rely on. Recession is affecting the price of food and commodity and things are coming expensive everything which entails managing the little resources we have to be able to Carter for our daily needs

There are lots of individuals who faces problems in life but we should remember that do not loss hope as we have believe that a time will come when these Situations will become better. The steps which you mentioned are very beneficial and we should all follows these step to satisfy our needs.
 
If a person has income on monthly basis then it is important to make a plane that according to this way he will spend this income because if we spend money without any planning then we will have difficulties to complete those expenses which are useful for life.

We should not copy others because may be their financial status is better than you so always select that way which is comfortable, copying others status sometimes become dangerous. Always use ways to overcome your expenses rather than enhancing.