How Much Formula Should A Five Month Old Be Drinking Raise Money For Investing Using 11 Poor Man Strategies

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Raise Money For Investing Using 11 Poor Man Strategies

Unlike many of my fellow financial bloggers, I got some street cred (credentials) when it comes to having been poor. When we first came to San Jose, CA in the early 80’s, my family lived with another family until my parents could save up to rent an apartment. The house we lived in was a typical three-bedroom, two-bath house, located along McLaughlin Avenue. My parents were friends of the adults who rented this house. They met in Chihuahua, Mexico.

Things didn’t get any easier when my parents were able to rent an apartment. All they could afford, despite both working full-time, was a room at Sunny Court. My sister and I slept in the living room. The food was not always plentiful. I remember many times when there wasn’t much to eat and school was where I had my single consistent meals. Clothing was purchased as needed at the thrift store. The shoes came from friends or if they had saved money, from Payless Shoes.

Living month to month in those days was stressful, even for a child. There is nothing worse than your parents visibly trying to make ends meet and you not being able to help. Back in Mexico, I would have gone out on the street and sold gum or shiny shoes to bring in cash. But in America there are laws… child labor laws. You also need to know how to speak the language in most cases. At that time, I had just started learning English.

I’m not ashamed to admit that as a child I dived, shoplifted and did cleaning jobs for adults in the neighborhood. Anything to help my family. I am not proud of the acts that were illegal, seeing them as avoidable now with adult eyes, but as necessary for me in those days. Life without regrets is no life at all.

From my experience, I can offer you today ways to raise money that may be widely known among poor people, but not so much among middle class people. Okay, maybe my middle class brothers do know the following ways they can raise money too, but maybe they see it “below”.

Most people take these actions because they need money to pay bills, eat, and survive. I have done this simply because I wanted to invest cash and was unwilling to use leverage (debt).

1) Store aluminum cans and glass bottles instead of placing them in my recycling bin. After four months, I take them to the recycling plant in Oceanside, CA and sell them, making between $15 and $25. I don’t know much, but multiply that by 3 and you have an extra $45-$75 per year. Poor people don’t recycle; they look for cans, plastic and glass bottles, and sell them!

2) Sell something of value to the pawn shop for some quick cash. I’ve sold watches I didn’t wear (birthday/Christmas gifts) and electronics. It saves a lot of time.

3) Sell stuff on Craigslist. Don’t use your bike anymore? Post a Craigslist ad and sell it at a private party. Find things around the house that you no longer need and that are useful to sell on Craigslist. If you have a lot of stuff but not a lot of value, do #4.

4) Garage or yard sale. Jessica and I have a garage sale at least twice a year. We get about $100 each time from our junk sold.

5) Sell a gift card for cash. What!? Yes… Have you ever received a gift card with cash value and knew you weren’t going to use it? Sell ​​it to a friend or go to the site and scalp it. Have the person take the card and get a balance check if they don’t trust you.

6) Sell blood (I’ve never done this… too much chicken). Find your local blood bank and sell that plasma!

7) Sell your hair on eBay. Yes, you can sell your hair online. I’ve never done it because no one wants my hair, but if I had Fabio’s hair…

8) Do you have coins? Look under the couch cushions, the bed, dusty drawers, under the car carpet, wherever. If you’ve been saving up your spare change, it’s time to hit the supermarket and find your nearest Coin Star machine. It is easy to use. Just throw in all your change and the machine will count every penny, print you a receipt that you can take to the line and cash out, just like a casino!

9) Start using coupons and take a break from organic. Poor people have no choice when it comes to buying preservatives and junk food at the grocery store. For them, the price is the selling point. But for us, we can opt for healthier foods from Trader Joe’s, for example. It’s not telling you to eat below your means, but if you want to save a little more for a few months, this might be an option.

10) Take the bus or go to work. This is an option we have that the poor may not have. A bus pass will cost you between $30 and $45, depending on the city you live in. You probably spend twice that amount, even with lower gas prices, driving to and from work every day. Like #8 above, this would also be a temporary strategy. Don’t you want to sit among the poor? Convince a co-worker to join your savings plan. Or if you haven’t sold your bike, ride it to work for a month.

11) Buy cheap wine. I used to buy Cabernet Sauvignon for $11-$15. I would drink about two bottles a month. Then I found Sutter Home Moscato and Cab on sale for $3.99! Back in the hood I used to drink malt liquor and nasty beer. Now I’m into cheap, tasty wine and micro/craft beers. However, I have sometimes reduced the latter when I have a savings “program” to invest. You could make your own!

Being once poor has given me an insight that most people at my level of wealth don’t have. I can start doing several of the above options without feeling uncomfortable or embarrassed. I am confident enough in my circumstances that for me, the above scenarios are optional ways to raise money for investment purposes only. But what about the people who have to rely on these money-raising strategies to survive? I can imagine it. If this is your life, I can give you great advice: stop blaming others and feeling sorry for yourself! That won’t help you one bit. Instead, start by creating a list of ways to improve. Improve what? Here are some lists to make and brainstorm:

1) Free ways to improve myself (what I know and what I’m able to do).

2) Ways to improve my decision making.

3) Ways to improve what I spend money on.

4) Free ways to improve who I know (emphasis is on finding smart money, “hotter”, people to have as part of your network). You can count on me as part of your network!

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