#poverty finance

[tripleciiq90temu]

🏡 5 things I wish I knew before buying my first home (save this)

🏡 5 things I wish I knew before buying my first home (save this)

If you're thinking about buying in the next 1–2 years, these would have saved me a LOT of stress:

1. You don't need 20% down. FHA loans require as little as 3.5%. Some conventional loans go as low as 3%. The 20% myth is keeping so many people from even trying.

2. Pre-approval ≠ pre-qualification. Pre-qual is just an estimate. Pre-approval means a lender actually verified your income, credit, and assets. Sellers won't take you seriously without it.

3. Budget for closing costs. Most buyers forget this. Closing costs run 2–5% of the loan amount — that's an extra $5,000–$12,000 on a $250k home, due at closing.

4. Your state probably has assistance programs you don't know about. Grants, forgivable loans, down payment help — real money sitting unclaimed because buyers don't know to ask.

5. The number your lender approves you for is NOT your budget. They'll often approve you for more than is comfortable. Build YOUR budget first, then go to a lender.

💬 What part of the home buying process confuses you most? Drop it below — happy to help!

(If you want all of this + more in one place, I put together a full Home Buying 101 guide: https://chitmanrichard.gumroad.com/l/whvhqt)

Home Buying 101

The No-Stress Homebuyer Playbook: Save $10K and Move In Fast---1. IntroductionGrab Attention with the No-Stress, Big-Savings PromiseBuying y

[idkwhatimdoingbutimgonnacontinue]

Hey just as an reminder to all my fellow poor folk out there, shopgoodwill.com is a thing. If you don't live near a goodwill/second hand store or are just looking for used electronics that you can't find in store (phones, computers, tablets, headphones, game systems, kitchen appliances, etc), use the app or website. You have to pay for shipping so watch out for that, but they have a lot a lot of stuff. It's similar to ebay auctions but usually cheaper and also goes to goodwill stores that help other poor people.

[landmoose]

Making this face any time I spend money

[faye-the-prey-queen]

✨Freezer Chili✨

Hey guys! Id like to do a little series where I do home cooked meals and provide how much they cost and recipes and stuff because I know quite a few people are struggling.

I’d also like to say here this is bastardized chili, aka not authentic at all, and I’ve removed like most of the stuff that makes chili chili. I don’t like beans, so I got rid of that and I think that’s the biggest thing. You can easily add the beans back and whatever else, this is just what I do.

This recipe makes 15 pretty hefty bowls, at just under $45. Each serving when I calculated what I personally spent put this at about $2.97. Overall, very good price on each serving. There are a couple ways to make this cheaper, especially in winter which I’ll provide later.

Recipe:

3 white onions

3 green bell peppers

3 lbs of ground beef (I used 80/20)

3 28 oz cans crushed tomatoes

6 15 oz cans petite diced tomatoes

3 white bloemers chili base

As much chili powder, cumin, and garlic powder as I could stomach

1. Dice onions and peppers

2. Pour all tomato cans into large soup pot, then add bloemers chili base over low heat. This will take a while to melt.

3. Add onions and peppers

4. While this is heating up, cook all ground beef and add it to pot.

5. Pour in chili powder, cumin, and garlic powder.

6. Wait until all chili bases are melted and pot is fragrant.

7. The chili is done. Pour yourself a bowl and separate the rest into freezer bags. From my experience, this should last in the freezer for 3ish months without losing flavor.

Ways to make this cheaper:

Use generic tomatoes. I love the bougie brands, so I tend to get that whenever I can. The generic cans were about $1-2 cheaper each depending on size.

Use frozen veggies, prediced. I enjoy chopping my own veggies, so I tend to go fresh whenever I can. Frozen veggies are just as nutritious, they’re just prediced and frozen. I spent about an hour chopping my own veggies, so having already done onions and peppers will knock off a lot of time.

Anyway, I hope this helps someone out. While it’s not the most healthy, it covers the basic protein and veg needs of a meal. See yall soon with another recipe!

[cleaningonfoodstamps]

Imma talk about vinegar again but this time it's about cleaning your windows/mirrors! My way of doing this is the wash on, dry off technique.

Mix some vinegar and water (more water then vinegar is what I use) and get two cloths. One cloth goes in your solution and is used to wipe the window down. The second cloth or the dry cloth is used to wipe the solution off. The dry cloth is what will stop the solution from streaking the windows.

You can also simply put the water and vinegar solution in a spray bottle and dry it with the dry cloth.

How to Clean Windows With Vinegar: Simple DIY Methods

Keep windows looking shiny and smudge-free with this easy guideDistilled vinegar, also called white vinegar, is a staple cleaning product in

[cleaningonfoodstamps]

Did you know you can deter ants from your home with cinnamon? Observe the ants in your home to find their entry points (likely to be by windows and doors). Once found, you can just sprinkle a little ground cinnamon down. The cinnamon messes with the ants' senses making it impossible for them to cross. You can also try bay leaves or even vinegar, both work the same way.

How to Get Rid of Ants with Cinnamon: 8 Steps (with Pictures)

You can use cinnamon to deter ants through the use of powder, oil, or sticks. However, cinnamon is not likely to kill ants. Rather, it just

[cleaningonfoodstamps]

One of the first things I bought with food stamps was vinegar. Vinegar is great for a lot of cleaning projects but the one I use it the most during is just scrubbing the floor. Mix it with water in a bucket or in the sink (more water then vinegar is recommended). Grab a spare cloth or a regular old mop and scrub the floor, remembering to rinse it out every now and then. Vinegar helps kill mold but should NEVER be mixed with bleach

3 Ways to Clean Hardwood Floors with Vinegar - wikiHow

Keep your hardwood floors looking good through regular maintenance. Try using solutions with vinegar for a streak-free, natural approach to

[idkwhatimdoingbutimgonnacontinue]

Gonna try an all natural dishwasher soap recipe because I can buy the stuff with EBT benefits and it'll save me money not having to buy dishwasher soap. Let's hope it doesn't destroy my dishwasher 🤞