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Planning for upcoming expenses, purchases, adventures.Living a better life on the same budget.Achieving a positive earning to expense ratio.

The sub is not for a single financial goal, but rather to help people with a range of goals.

CASHFLOW 101 GAME BOARD HOW TO

If someone asks for advice on how to 'buy' a cheap oil change, don't reply with 'Just do it yourself'. Overtime we if/as the community develops we might start to reign in the scope this sub features.ДЄnswer the questions asked and stay on topic.

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If you have suggestions/recommendations for additional content/topics please let the mods know!ДЄt this time there are not a lot of restrictions on what kind of topics or items can be posted here, so as long as it relates to getting by when you don't have much feel free. We have a comprehensive sub wiki that can help with most poverty-related topics that you can access here: The goal here is to help anyone who doesn't have a lot of breathing room get to a place where they have stability, comfort, contingency, and maybe even a little luxury. Whether you are a single parent only pulling 10k a year, or a single person trying to get past student loans at 28K, you are welcome here.

You do not have to be absolutely destitute to be here. This is a place for people who do not have a lot, nor ideal circumstances, to help each other get by and hopefully move up in the world.

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Much of the financial advice online and on reddit is aimed at people who have varying degrees of disposable income, ability to invest, lots of free time, available transportation, no kids, a partner, access to credit, and beyond. This includes posts flaired as 'Vent/Rant' where any advice/judgment is prohibited as these are reserved as posts where users can simply express themselves.Д¬heck out our Wiki for general useful information! For financial donations please check out sites like r/donation r/charity and /r/randomactsofkindnessДЎ1) Unsolicited advice must be generally respectful of people's right to determine their own values, free of assumptions and judgments, and in otherwise fitting with the rules, guidelines, and spirit of the sub. All aid given must be in the form of information or advice. You must disclose referral links and provide a non-ref link as well, no exceptions! During the Holidays, referral links are not permitted as the sub becomes inundated with them.ДЎ0) No asking for/soliciting private donations, offering private donations, or mentioning crowdfunding sites. You need to disclose if you have an affiliation with a site or service you are linking to.

Referral links, or links to your own content (whether monetized or not) are permitted. This includes most 'get rich quick' schemes, including cryptocurrency which is too risky/volatile to be an investment for people with limited incomes.Д©) Links to websites outside of Reddit: The titles of these posts must have clear, accurate titles, misleading or vague titles will be removed. Anything that appears to be a scam, predatory, or downright dangerous will be removed. This sub is for anyone who self identifies as struggling financially or as financially insecure.ДЁ) Advice and comments must be in good faith. We're focused on the road forward, not the past.Д§) No gatekeeping. Regardless of if someone was simply born into poverty, or earned it through drug use, criminal activity, gambling, having a lot of kids, working for LuLaRoe, etc. Any comments/posts stating or implying that the reason that people are poor is because of personal decision making or that people in poverty 'deserve' to be in poverty will be removed.Д¦) No judgment on how people got to where they are at. Political advocacy, debate, or grandstanding will be removed.ДҐ) Racism, sexism, classism/poor-shaming, or any other inherent bias will not be tolerated. Posts advocating theft, or practices that in any way exploit or harm others (criminal or not) will be removed.Д¤) This is not a place for politics, but rather a place to get advice on daily living and short-to-midterm financial planning. Important: Please read our rules before posting or commenting!ДЈ) All content must be ethical and moral. Welcome to Personal Finance for the Financially Challenged!

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