Hunger, debt and stress: what it’s like to be poor
NewsPeter Giffen
An empty cupboard. A child crying with hunger. Harassing phone calls from creditors. An eviction notice. Contempt from people who happen to be doing better. . . The catalogue of humiliations and deprivations faced by those living below the poverty line goes on and on.
And this is an overwhelming prospect that more of us are confronted with, as a changing economy and social structure widens the gap between the haves and the have-nots, putting many of us one paycheck away from ruin.
“It’s been 15 years since I’ve been poor enough to have to legit worry about how I was going to feed myself and my kids, but I still get a sick feeling in my belly when pantry feels empty. Being poor comes with a constant sensation of not having quite enough.”
In 2019, about 10.5 percent of households in the United States were food insecure, meaning they lacked the resources to provide enough food for all household members—and this rate has roughly doubled since the beginning of the COVID-19 pandemic. According to the National Resources Defense Council, the U.S. throws away an estimated 40 percent of its food (consumers being the number one source of wasted food), equivalent to more than 20 pounds of food per person every month and $165 billion each year.
The world’s first poor rich country
“America, it seems, is becoming something like the world’s first poor rich country,” writes Umair Haque. “The average American can’t scrape together $500 for an emergency. A third of Americans can’t afford food, shelter, and healthcare. Healthcare for a family now costs $28k—about half of median income, which is $60k.”
“The average American has a relatively high income, that of a person in a nominally rich country. Only his income does not go very far. Most of it is eaten up by attempting to afford the basics of life,” spells out Haque.
“We’ve already seen how steep healthcare costs are. But then there is education. There is transport. There is interest and rent. There is media and communications. There is childcare and elderly care. All these things reduce the average American to constantly living right at the edge of ruin—one paycheck away from penury, one emergency away from losing it all.”
Drowning in money woes
Numbers released by the Urban Institute show that Americans are in the middle of a debt crisis, with 31 percent holding debt that is currently in collection. The median amount of debt in collections is $1,639. Also, because the United States pays more for healthcare than any other developed country, sky-high healthcare costs are afflicting 16 percent of Americans with debt they simply cannot pay.
Unfortunately, people’s growing debt load can mean dealing with more harassment from debt collectors and their unwanted calls and threatening letters. In the midst of this kind of assault, people need to know there are limits to what creditors can do.
They can’t, for example, threaten to have you arrested, publicly shame you, pretend to work for the government, or harass you with repeated phone calls, calls to your work, or calls outside the hours of 8 a.m. to 9 p.m., and the list goes on. Know your rights.
A survey published in the Journal of Accountancy reports that “56% of Americans with debt said it had negatively impacted their lives. Twenty-eight percent said their debt had caused stress about everyday financial decisions, while 21% said it had caused tension with their partner; 19% said they had received letters or calls from collection agencies.
“What’s more, nearly a third (31%) of Americans with debt say they worry about it in general, while a quarter (25%) stress about it at bedtime and 18% worry about it at work.”
What it’s really like to be poor
“Being poor is pawning, out of desperation, anything you may still have with any sort of value, and cashing in pennies,” writes Rita Templeton.
“It’s filling every receptacle you’ve got—bathtub, sink, buckets, pitchers—while you still have water because you know yours is about to be shut off. It’s staying in an empty apartment with no electricity and an eviction notice on the door, because you know there’s a 30-day grace period, and if you don’t figure something out by then, you’ll be on the street.”
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