I'll be honest, I'm probably going to get a lack of flack for this post and I'm OK with that. Because I feel like this is something we're all thinking, but nobody wants to be that jerk to say it, so I'll just be that jerk.
Gofundme.com? Is not meant to cover your ass because you are bad at budgeting your money.
In the last three months I have seen over twenty of these accounts show up on my Facebook feed for various reasons. We have people who want to buy a home, can't pay their utilities/rent/etc, wants a more reliable car, wants to bump up the Christmas fund for their kids, wants to have more money because we have a stay at home mom/one income household, etc.
Which, all things it would be so nice to have extra money for. I get it, I really do. Matt and I don't get to do a lot because we have bills and that's a total buzzkill. He works, on average, 80 hours a week, and I'm working part time so I can shuttle kids to/from things and maintain the house while he's gone almost all of the time. It sucks.
You know what else sucks? Having to say no to nice jeans so I can pay my light bill. That sucks a lot. I'd really like to get a pair of jeans that fit me properly, or shoes that don't hurt the arch of my feet. Matt would like new glasses, he hasn't had any in twelve years, but we have a mortgage and utility bill that comes every month and damn if they don't want their money.
Websites like that are meant for tragic, out of your control situations like cancer, your house burned down, someone was in a horrific accident, etc. They are not meant to be your fix all because you can't manage your money. And this is coming from someone who will donate or buy a ticket to a benefit, even if I know I won't be there. You show me a tragedy and I'm there with my checkbook out because that's awful. I try so hard to help everyone I can who genuinely needs it. I always feel like I want confirmation that this really is a necessary last resort. To the people who can't pay their bills- show me that you have made an effort to utilize every financial avenue out there, including financial counseling because you clearly need it. You need someone to teach you how to budget because it's not like bills come up out of nowhere.
And then the people who ask for money to upgrade their lifestyle? How about you get another job? Maybe cut out expenses in your life you don't need like cable/satellite, your cell phone, Internet, whatever. You don't need any of those things. You really don't. Lots of people get by every day just fine without them. It's not convenient or fun, I'll give you that, but if you really want to upgrade in your life, you're willing to sacrifice in other areas.
It's getting to be a bit ridiculous. It's like nobody understands the concept of working hard to go anywhere in life. It's not meant to be easy. I don't think Matt wants to work that much, and I'd certainly love to not work, but we need to because we want to own a home and own our vehicles. We want to pay our bills on time every month and we want to eat things other than Easy Mac for dinner. I think back to when my mom was raising my brother and I on her own. She worked her ass off every single day, she'd pull doubles regularly, sometimes more, and sleep on the couch because she had no bed. We had the only bed in our apartment. I can't tell you in all of the years I've been alive how many times my mom ever went out with friends. I honestly think it's none. I'm not saying you should sacrifice your sanity because I know the value of getting away for a night, but some of these people who want all of these things are also the people out clubbing or having drinks on the regular. You know, I feel like if you have time to go out drinking, you have time to get a second job. It's like priorities are meaningless anymore, we'd rather just have a hand out from someone else.