If you are at the point where you are buying grocoeries in installments, who cares about paying it back. What good is a good credit score if you cant afford to buy anything anyways. Just survive any way you can at that point
Either way, this is about to get a lot more bonkers in roughly the next 30 to 60 days as Just In Time delivery… kinda just, stops working, and grocery stores will have to both raise prices and ration items per customer per week to deal with shortages and try to minimize in-store injuries and deaths.
Go look up a compilations of black friday shopping stampedes.
Imagine that, but for groceries, every time a grocery store restocks… for the forseeable future.
Historically speaking, basically, yes, the capitalist class essentially always sides with a nascent fascist movement as it is opposed to making any truly meaningful concessions to workers.
But it is important to note that fascism is, or arises from… an ostensible capitalist democracy … in decay.
It arises as a reaction to over exploitation of the capitalists.
The fascists are always incompetent idiots at actually running anything, actual policy… beyond being brutally indimidating and violent bullies.
But! They promise growth and stability.
Morons believe them. Many of these morons… are the capitalists.
This works well for a while, but eventually, fascist mismanagement leads to the capitalists actually having a whole bunch of their businesses collapse, as the economy broadly suffers, or maybe its war time babyyyy and oh well turns out that its also bad to fund endless foreign invasions and/or be invaded yourself.
But, by then, its too late.
The capitalists sided with the fascists initially, to avoid structural concessions to workers… but now that everything is fucked, and/or dear leader / the party has some incomprehensible zany nonsense plan… well now the capitalists mostly get either outright or functionally nationalized, and lose even more than if they had just gone with the comparatively more minor concessions to workers.
Poison chalice.
Prisoner’s Dilemma, game theoretic suboptimal outcome, that humanity just keeps replicating with minor variations and new flavors.
Can you elaborate on this? Just In Time delivery? Is this a US thing?
Edit: okay, I looked it up and I understand it now. The ripple effect already happened though when big box stores told Trump to fuck off with the tariffs, because their shelves are empty.
… Larry David is even writing poignant political satire pieces just right in the New York Times now!
There was an episode of Comedians in Cars like a decade ago now, Jerry just muses something like… God, is NYC just gonna be nothing but corporate coffee shops and banks?
Then you’ve never been poor and living paycheck to paycheck.
There are times when it’s either find a loan from someone or not eat for two weeks because something in your house broke and that’s unfortunately a reality for many Americans including myself at one time.
I understnd financing. The problem is financing groceries. So you cover the unexpected and finance groceries. what about next month?! Unless you get a way to make more money to cover the difference you going ro have to finance again plus interests
If you’re living paycheck to paycheck, it takes one unexpected expense and suddenly you’re hustling to get food on the table. The cycle then repeats itself.
You need a car to work. Cars are expensive. You get a old clunker.
You work and live check to check. Maybe $50 or $100 left over after taxes and expenses. Not really possible to have an emergency fund.
A single injury or car breaking down and you need to borrow money. From family, friends or some shitty company.
Oh and then your yearly raise comes around at $1/hr that barely covers your rent increasing let alone inflation.
The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. … A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. … But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet.
This was the Captain Samuel Vimes ‘Boots’ theory of socio-economic unfairness.
Corporations regularly boast about record profits and the executives get piles of cash and ski vacations but there’s just never enough room in the budget to raise wages for workers. I’m surprised only one CEO has been gunned down so far, the populace has been getting screwed into poverty and it’s not even hidden, so maybe we just take their boots
My issue now with products is planned obsolescence. Any things aren’t made to last like they used to. They also have extra technology in them making them harder to repair. Appliances, cars and more.
Once I bounced a check to our water company and they refused to take checks or credit cards from me for a YEAR as a punishment. It was a one-time accident after paying on time for around seven years. I literally had to drive my ass down there with cash. It’s a small rural water service, not a big corporation - they chose to be complete assholes even after I explained the situation (we had a baby that month and forgot a monthly $ transfer in the chaos).
Same mistake probably cost us $120 in overdraft fees. Society financially punishes people who need money the most and rewards the people who have plenty. It’s ridiculous.
I once had my electricity bill bounce, and they forced me to pay a deposit of $250. So the amount I owed went from $100 to $350. Plus a late fee. And they never return the deposit until I had paid on time for 2 years.
Recurring charges like utility bills are often processed regardless of overdraft protection status - ultimately at the bank’s discretion, and you can be sure they’ll pick the option that gets them the most fees. Overdraft protection only seems to stop you from using your card for a new transaction with insufficient funds.
Food banks are a godsend in these situations. Don’t donate money. Find a local community center that offers assistance and donate foodstuffs. Things like rice, canned beans and mixed veggies are always welcome.
never understood this. If you can’t buy it now will you be able to.pay later?! You need groceries every month
If you are at the point where you are buying grocoeries in installments, who cares about paying it back. What good is a good credit score if you cant afford to buy anything anyways. Just survive any way you can at that point
Cost of living is too high, put it on credit.
Your alternative is starve now.
Either way, this is about to get a lot more bonkers in roughly the next 30 to 60 days as Just In Time delivery… kinda just, stops working, and grocery stores will have to both raise prices and ration items per customer per week to deal with shortages and try to minimize in-store injuries and deaths.
Go look up a compilations of black friday shopping stampedes.
Imagine that, but for groceries, every time a grocery store restocks… for the forseeable future.
That’s probably part of why the capital class want fascism. Because if that happens in a democracy, they would have their capital expropriated.
Historically speaking, basically, yes, the capitalist class essentially always sides with a nascent fascist movement as it is opposed to making any truly meaningful concessions to workers.
But it is important to note that fascism is, or arises from… an ostensible capitalist democracy … in decay.
It arises as a reaction to over exploitation of the capitalists.
The fascists are always incompetent idiots at actually running anything, actual policy… beyond being brutally indimidating and violent bullies.
But! They promise growth and stability.
Morons believe them. Many of these morons… are the capitalists.
This works well for a while, but eventually, fascist mismanagement leads to the capitalists actually having a whole bunch of their businesses collapse, as the economy broadly suffers, or maybe its war time babyyyy and oh well turns out that its also bad to fund endless foreign invasions and/or be invaded yourself.
But, by then, its too late.
The capitalists sided with the fascists initially, to avoid structural concessions to workers… but now that everything is fucked, and/or dear leader / the party has some incomprehensible zany nonsense plan… well now the capitalists mostly get either outright or functionally nationalized, and lose even more than if they had just gone with the comparatively more minor concessions to workers.
Poison chalice.
Prisoner’s Dilemma, game theoretic suboptimal outcome, that humanity just keeps replicating with minor variations and new flavors.
… Same as it ever was. Same as it ever was…
Thank you for the explanation. I hope it doesn’t turn into nuclear war. What’s happening in India and Pakistan doesn’t look good.
Yeah… fingers crossed, I guess.
Can you elaborate on this? Just In Time delivery? Is this a US thing?
Edit: okay, I looked it up and I understand it now. The ripple effect already happened though when big box stores told Trump to fuck off with the tariffs, because their shelves are empty.
Yeah, put super simply:
Minimize needed actual storage space and time a thing spends in storage… by relying on very frequent and consistent logistics.
Its very efficient in the sense of minimizing operating costs…
But it is also extremely fragile, a minor perturbation can fuck shit up for weeks or months.
… And we are getting… well basically the most major disruption in the history of JIT as a logistics paradigm.
Really thought we would have learned that JIT is a horrible strategy after covid… That was only a few years ago…
America follows Seinfeld rules:
No hugging.
No learning.
… Larry David is even writing poignant political satire pieces just right in the New York Times now!
There was an episode of Comedians in Cars like a decade ago now, Jerry just muses something like… God, is NYC just gonna be nothing but corporate coffee shops and banks?
Yes. Yep. That is what happened.
Then you’ve never been poor and living paycheck to paycheck.
There are times when it’s either find a loan from someone or not eat for two weeks because something in your house broke and that’s unfortunately a reality for many Americans including myself at one time.
I understnd financing. The problem is financing groceries. So you cover the unexpected and finance groceries. what about next month?! Unless you get a way to make more money to cover the difference you going ro have to finance again plus interests
Welcome to the Sam Vimes Theory of Socioeconomic Unfairness.
That’s the kind of choice of surviving that comes with living while poor in America that happens way, way too often.
Girl, if they don’t eat they won’t make it to next month! This isn’t a financial decision, it’s a survival decision.
Some people don’t have the option, and end up relying on these services. It’s similar to the payday loan trap. Being poor is expensive.
If you’re living paycheck to paycheck, it takes one unexpected expense and suddenly you’re hustling to get food on the table. The cycle then repeats itself.
I understand the need but you just push the snowball hoping for a miracle.
I’ve been here. It’s expensive to be poor.
You need a car to work. Cars are expensive. You get a old clunker.
You work and live check to check. Maybe $50 or $100 left over after taxes and expenses. Not really possible to have an emergency fund.
A single injury or car breaking down and you need to borrow money. From family, friends or some shitty company.
Oh and then your yearly raise comes around at $1/hr that barely covers your rent increasing let alone inflation.
The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. … A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. … But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes ‘Boots’ theory of socio-economic unfairness.
GNU Sir Terry
Corporations regularly boast about record profits and the executives get piles of cash and ski vacations but there’s just never enough room in the budget to raise wages for workers. I’m surprised only one CEO has been gunned down so far, the populace has been getting screwed into poverty and it’s not even hidden, so maybe we just take their boots
Yep. This tracks.
My issue now with products is planned obsolescence. Any things aren’t made to last like they used to. They also have extra technology in them making them harder to repair. Appliances, cars and more.
Whoops some bill auto-drafted unexpectedly
Your account is negative now, oh and throw a $25 fee on top.
Looks like you’re scrounging for dinner tonight. And the rest of the week. Maybe skip some meals because you have no choice.
Shit sucks ass.
Once I bounced a check to our water company and they refused to take checks or credit cards from me for a YEAR as a punishment. It was a one-time accident after paying on time for around seven years. I literally had to drive my ass down there with cash. It’s a small rural water service, not a big corporation - they chose to be complete assholes even after I explained the situation (we had a baby that month and forgot a monthly $ transfer in the chaos).
Same mistake probably cost us $120 in overdraft fees. Society financially punishes people who need money the most and rewards the people who have plenty. It’s ridiculous.
I once had my electricity bill bounce, and they forced me to pay a deposit of $250. So the amount I owed went from $100 to $350. Plus a late fee. And they never return the deposit until I had paid on time for 2 years.
That was a bad time.
Get a less shitty bank
Getting a checking account with no overdraft fees is definitely a plus in those situations
Recurring charges like utility bills are often processed regardless of overdraft protection status - ultimately at the bank’s discretion, and you can be sure they’ll pick the option that gets them the most fees. Overdraft protection only seems to stop you from using your card for a new transaction with insufficient funds.
Yeah I meant banks that allow overdraft but charge no fees, Ally for example.
Using a credit card is also a good option, just as long as the budget is managed correctly to avoid running up more and more debt.
Peanut butter and bread it is!
Food banks are a godsend in these situations. Don’t donate money. Find a local community center that offers assistance and donate foodstuffs. Things like rice, canned beans and mixed veggies are always welcome.
The idea is that if you are throwing a party or buying something big, then this will be useful for those purchases.
It isn’t a good idea, though.
Probably should not be throwing parties when they are poor
Yeah man, fuck people just trying to throw a birthday party for their kid. People need to suffer more