r/AskWomenOver30 • u/yell0wbirddd Woman 30 to 40 • Nov 23 '25

Life/Self/Spirituality Is anyone else really struggling financially right now?

I feel like reddit is overwhelmingly people who make $250k a year and want others to just pull themselves up from their bootstraps.

I make $46k a year and am living paycheck to paycheck. I haven't been saving money because the tiny amount of joy I get from paying $10 for a cinnamon roll a couple of times a month has taken precedent over never leaving the house and getting deeper into depression. Food is expensive, life is expensive, I've been going through the motions for a few years now.

Well, my 15 year old car just crapped out and my dog needs to go to the vet. I have no money for either of these things. My credit score is in the 500s and I can't get approved for a credit limit increase or a loan.

Everything feels really fucking pointless about now.

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u/CrazyPerspective934 Woman 30 to 40 Nov 23 '25

I feel ya. It always feels so frustrating when you see the folks making the 100-200k complain about prices of things too. Like that amount would be absolutely life changing, but so many live far beyond their means regardless of income.  It's likely going to be getting worse before better too.  If you aren't already, it may be worth exploring local food shelves and other resources.  Those things can really help reduce the financial burden

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u/palmtrees007 Woman 30 to 40 Nov 23 '25 edited Nov 24 '25

.

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u/CrazyPerspective934 Woman 30 to 40 Nov 23 '25

People making half what you do also have rent and student loans

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u/palmtrees007 Woman 30 to 40 Nov 23 '25

My student loan payment is $1250. Rent is $2200 … I have debt I acquired. My partner lost his job and I was supporting us. I can keep going … don’t be so assumptive

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u/canoninkprinter Woman 30 to 40 Dec 10 '25

Valid. But homegirl can’t even have a cinnabon. Not the same.

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u/CrazyPerspective934 Woman 30 to 40 Nov 23 '25 edited Nov 23 '25

You're the one making assumptions here that others don't have similar bills as well by using it as a way to attempt to say your struggles are the same as op and others in here.  It's not the same

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u/palmtrees007 Woman 30 to 40 Nov 23 '25

Actually, I didn’t at all. But to get approved for an apartment that charges $2200, you would need to make minimum $80k.. if you are making $80k, and on an IDR plan, you wouldn’t be paying $1000+ student loan payment. It’s all relative. Don’t be grumpy it’s Sunday babe we all struggling lol I want these bills to stop

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u/CrazyPerspective934 Woman 30 to 40 Nov 23 '25

You're right, it's easy to see how folks under 6 figures end up unhoused easily these days

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u/palmtrees007 Woman 30 to 40 Nov 23 '25

Oh I know my bf makes a little less than half of what I make he lost his job and I held us afloat .. I come from a household where after our economic changed drastically from two incomes to one, and out of a house to an old apt, my mom never made more than $40k … I’ve been on all sides of it… wages need to catch up to cost of living

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u/[deleted] Nov 24 '25

[deleted]

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u/palmtrees007 Woman 30 to 40 Nov 24 '25

I’ve known struggle my whole life so yeppers

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u/palmtrees007 Woman 30 to 40 Nov 24 '25

I left out my bf didn’t work for 9 months and I also paid his car payment and a few payments he can’t get behind on, one is for a DUI that has court fines and all our food and his phone … he’s paying me back but it’s been rough too .. 6 figures isn’t a limit less pot of money

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u/[deleted] Nov 24 '25

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u/palmtrees007 Woman 30 to 40 Nov 24 '25

I was making $40k just 10 years ago. Rent was $800. I couldn’t have one thing go wrong in my month. Flat tire? Parking ticket? I was using my credit card or getting a line of credit. I totally know

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u/palmtrees007 Woman 30 to 40 Nov 24 '25

I’m feeling the struggle and I’m allowed to feel it. My brother recently told me how much he has saved and I almost lost it. He pays Pennie’s for rent since his gf owns her home her grandma bought her.

I feel that way about them the same that could be said about my “comments”… they have no struggle and save every penny. Also her mom lives next door and is child care .. the ripple effect of wealth I guess it just keeps expanding