What you see before you is my lunch... A Peanut Butter and Jelly on a hot dog bun sandwich. Why Hot Dog buns you ask? Because the Hamburger buns smelled funny.
I've had to resort to hot dog and hamburger buns because we're out of bread. Why are we out of bread? Because we're out of money. Kinda works like that sometimes.
Here's my question for today... why is the world made up where the rich get richer and the poor get poorer? Take late fees for one. If I don't have any $ and I can't pay a bill when the payee wants the money - what do they do? They tack on a "late fee". What they should call it is an "I'm sorry I'm a looser" fee. Yes, let's ask those who can't pay the bill in the first place to pay us MORE money.
If I had money in the bank I could:
- Pay for our storage unit for an entire year and get 1 month FREE
- Pay for our car insurance for an entire year and get not only 1 month free but also not have to pay the installment fees (fees they charge for the inconvience of having to bill every month)
- Have better credit scores and be able to buy things with VERY LOW interest rates
- Buy a newer vehicle that doesn't require so much $ for maintance / repairs. Things just don't break down as quickly on cars less than 10 years old.
- Afford health insurance and end up paying less for medical intervention. (Insurance companies get a discount on every bill... why can't those paying cash get the same discount?)
- Buy extra grocery items because they're on sale now - saving money later when the prices are higher and we don't have to purchase them because we already have enough.
- Pay off our mortgage / credit cards etc.. and not have to pay anything towards interest.
There are TONS of ways for those with the money (who can afford to pay extra) can save even more money. For every way the rich can save money there are a dozen ways to "penalize" the poor for not having enough.
So... the RICH will continue to get RICHER.. while the POOR will continue to get POORER.
.... One other thing on my mind at the moment... if you happen to be one of those lucky people who have more than your needs require... and you know others who are not so blessed.... don't "look down" on them. Don't assume that just because someone is poor that they are unintelligent or incompetant. I tell ya, it takes a genious these days to be poor and survive. Our family survives (sort of) on less money then most families without children. I have figured out how to solve problems without "buying the solution" over and over again.
In literally 2 minutes we will have another "you're a looser" fee tacked onto our mortgage... here I sit and watch the seconds tick by.... saying tsk tsk and shaking their head in disgrace........ One minute to go.......
3 comments:
So true. It's a catch 22. You have to have money to save money.
Actually, you should be able to negotiate a cash price with your doctor. Not all will do it, but smart ones would rather have cash today than a promise to pay from an insurance company. Ask, and if your doctor won't play ball and you are open to shopping around, look for another doctor. It also helps if you can call ahead as opposed to asking at the time of the service itself.
But yes, "loser fees" are a definite frustration.
I actually have gotten some sort of cash discount... it's no where near what the insurance companies get. I have seen the bills that they paid when we did have insurance. It's just an unfair world we live in.
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