this post was submitted on 26 May 2026
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I'm going to end up broke in a few months. Give me some tips on reducing the impact. What things can I do in advance? What are things I should know? Give me some financial advice too, if you can

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[–] Krzd@lemmy.world 19 points 7 hours ago (1 children)

Food and personal hygiene ARE your morale. Prioritise those two above almost everything else. (Apart from your personal safety obviously)

[–] BeardededSquidward@lemmy.blahaj.zone 6 points 7 hours ago (2 children)

I would add shelter. Not having stable shelter results in those two not being easy to obtain.

[–] mic_check_one_two@lemmy.dbzer0.com 9 points 5 hours ago (2 children)

A gym membership and storage unit are much cheaper than rent. The storage unit provides a secure place to keep the shit you can’t carry with you. And the gym provides 24 hour access to showers, lockers, clean drinking water, physical activity, and potentially even socialization in fitness classes. If you get a membership for a big chain gym, you could likely even travel around and simply stop wherever the local gym is.

The local library is free, and you can exist there all day as long as you’re not sleeping or causing a disturbance. They probably have classes and meet groups for things you’re interested in, so you can stay social. You can charge your devices at the library while you’re there, so you can keep your phone/laptop/portable battery bank/etc working. In most cases, you don’t even need a library card to hang out and read in the library. You’d only need a card for checking things out.

You could likely even work from a laptop while at the library, to keep the gym membership and food paid for. Transcription jobs are easy to find on a freelance basis, and only require a laptop with Internet access.

This pretty much leaves overnight shelter. And depending on where you live, (local climate, friendly management that doesn’t harass you for staying in their parking lot, etc) the overnight shelter may be manageable with a car. You could potentially exist indefinitely without a traditional form of shelter (like an apartment or house) as long as you’re able to reliably sleep in your car or have a safe place for a tent.

But a lack of food and clean water will kill you in hours or days. And a lack of hygiene will quickly make it impossible to exist in society without immediately standing out. Lack of hygiene will also impact your mental health drastically, as discomfort and stink quickly becomes a nagging, omnipresent feeling. And the ostracism from being unhygienic is hard to come back from.

Drink lots of water and refill your bottle whenever you can. Shower regularly, so your clothes stay clean longer. Wash your clothes as regularly as you can afford. Avoid sliding into filth, because existing in society while homeless is infinitely harder when people immediately recognize you as homeless. Your goal is to blend in, and that requires a baseline of cleanliness and being able to socialize.

Not talking of a house or apartment, but a place where you can say safely park your car and it won't be towed. Places to meet food and hygiene needs. Might want to setup a PO Box or if a friend is in the area use their mailing address for correspondence. Shelter in this context with me is more of being safe, especially when it comes time to sleep.

[–] Teh@sh.itjust.works 2 points 4 hours ago (1 children)

Pretty sure AI has killed transcription. It was on its way out a decade ago :(

I’d suggest looking for foodservice work. Kinda kills two birds with one stone. Keep after finding any job you can. Some income is vastly better than none.

Yeah, food service was actually something I considered suggesting, because it also gives you access to cheap/free food. But it’s also hell on your body, leaves you/your clothes feeling disgusting after every shift, and ties you down to a specific place.

One of the only real perks to being homeless is that you’re able to freely travel without needing to maintain something like a house or pay rent. So you could likely pack up and be a drifter, while working from home on a laptop. Don’t tell the employer about your financial situation, simply tell them you travel a lot and enjoy the freedom that WFH provides.

If anyone questions it, just say the van life was appealing because you wanted to travel. That goes back to the “fitting in is extremely hard if people suspect you’re homeless” thing, because people tend to get judgey and/or avoid you if you’re homeless. People seem to think it’s contagious. So being able to work from a laptop at least offers the “I wanted to travel” excuse if anyone gets too pushy about it. It makes it seem intentional, rather than being something you were forced into. And that tends to be received much better. People will tend to go “I thought about doing that but I have too many things keeping me here” instead of avoiding you.

But yeah, to go back to your point… Regardless of what the job is, some income is vastly better than none.

[–] Krzd@lemmy.world 1 points 6 hours ago* (last edited 6 hours ago)

Sure, for your immediate survival shelter, and water, obviously rank above hygiene, however, in the long term your morale is incredibly important and always underestimated. It's easier to manage a night without shelter (unless the environment is life threatening) than to recover from low morale on your own. Especially because sadly people will be so much nicer to you if you don't smell, and maybe even treat you like a fellow human being.