What IF

@sudalunts (5523)
United States
February 17, 2009 8:05am CST
you only had $50.00, and your electric was going to be shut off if you did not pay the $49.95 bill. Your car insurance was going to be cancelled if you did not pay the premium of $48.99. You ran out of food staples, milk, bread, cereal etc. your landlord was screaming because you still owed $50.00 on your last month's rent, what would you choose to spend your $50.00 on? This is just a hypothetical example of a situation. I think I would pay the landlord, because I need a place to stay. I could go to family or the church to get the food needed. I would hate to do without electricity, but it would have to wait, if the car insurance was cancelled, without money I would not be able to go anywhere anyway, so I could do without that for a while. How would you handle a situation like this?
4 people like this
14 responses
@Aussies2007 (5336)
• Australia
18 Feb 09
Food would be first on my list... as I cannot survive without food... and I am too pride to beg for it. Then I would check how long I have before they turn off the phone. You do have a certain time after receiving the original bill. In Australia you do anyway. By which time I would have found another $50.00 to pay for it. As for the car insurance... we have two of them. One is compulsory... but the property damages is not. If I were that poor... I would not take the second one. But to do so... you need to be a good driver... and not have an accident.
@sudalunts (5523)
• United States
18 Feb 09
I think getting away with the car insurance would be most people's choice. As long as you have a valid insurance card that hasn't expired, if you are stopped the police do not check with the insurance company, they just check the dates, but if you are in an accident, that is when the trouble begins.
@lilybug (21107)
• United States
17 Feb 09
Unfortunately I know some people really are is situations like the one you are describing. I would try to get the landlord to back off till I got more money even if that meant I had to pay a late fee. Then I would pay the electric bill if I managed to get the rent off my back. Otherwise I would pay the rent and deal with living in the dark for awhile.
1 person likes this
@sudalunts (5523)
• United States
17 Feb 09
I would hate to have to sacrifice the electric too.
@mommaj (23112)
• United States
17 Feb 09
You really don't have to worry about the rent either. Landlords can't evict you without a long drawn out process. If you only owe them $50, they will wait instead of paying $90 just to get the process of the eviction started!
• United States
17 Feb 09
Back in early 2006, I was over in Tanzania teaching English. We were experiencing rolling blackouts due to the long drought (half the power there was generated by water works). Our water pump stopped working for several weeks on end as well (luckily we had a well that the water was being pumped out of). That experience in specific, and my whole tiem over there in general, taught me how much I really can live without. Electricity, running water, and most modern appliances are great but not necessary, at least not to the extent of shelter, food, and drinking water. I would have to pay the rent, myself. I'd try to negotiate it with the landlord first, of course, so I could pay off another bill. However, if he was unbudging in his stance, that's where my money would go. Then, after I earned enough money to pay other near necessities, I'd work hard to save up as much as I could into an emergency fund so as never to be in the same situation!
1 person likes this
@lingli_78 (12822)
• Australia
18 Feb 09
well, this is a difficult situation for me to choose... i am fortunate that i already have my own house now and i don't have to worry about accomodation... but i will definitely use the money to pay for my food and daily needs first... electricity next... and then car insurance will be the last thing i deal with... i can do without a car... take care and have a nice day...
1 person likes this
@sudalunts (5523)
• United States
18 Feb 09
I think the car insurance would be most people's choice to let lapse.
• United States
17 Feb 09
I would have to go with food. My kids have food allergies (life threatening to milk and milk products) and there's no way to know if a food pantry or church would have safe foods. Eviction takes a while, so hopefully I'd have the rest of rent soon. Electric would stick to be cut off, but I have a gas stove so I could still cook. The car would probably be the last to get caught up on.
1 person likes this
• United States
17 Feb 09
**I meant stink, not stick
@sudalunts (5523)
• United States
17 Feb 09
I hear what you are saying, your children are very important and needs to have the proper foods.
• United States
17 Feb 09
Since this is hypothetical, I would first see if there was somehting I could do for my landlord to pay off the $50 I owe them like snow shoveling, painting, grass cutting, something of that sort. If not then I would have to pay them first instead of having my children on the street. If I could do something to pay off rent then I would pay the electricity so this way we would have a home and electricity. I would have to go to a food pantry for food. The insurance bill would be the one I would have to forego and pray to God that I didn't get in an accident. I guess in a situation like that 3 out of 4 isn't too bad. It's very unfortunate that while we discuss this as a hypothetical situation for many of us it is actual life stealing from peter to pay paul but with the economic situation being what it is living is a game of survival. Take Care Everyone
1 person likes this
@sudalunts (5523)
• United States
17 Feb 09
Good answer, thanks for responding. Yes, with the way the economy is, there are probably many situations like this. People have to choose what is more important, when everything is.
• Canada
18 Feb 09
Personally I would take the 50 dollars and spend it on electricity so i can continue to use this site and hopefully make enough money to get caught up on the rent which my lanlord will decide to give me extra time to pay. A car is not a necessity in life and i could hunt rabbits and could just go and eat food while im in the grocery store very sneakily. Or I could always sell myself on the streets.
1 person likes this
@bbsr13 (4196)
• India
17 Feb 09
Hello! That is why I save a portion of my income every month.In case of emergency I borrow some money from the savings and meet the needs.Every body should cultivate this habit.thanx.
@mommaj (23112)
• United States
17 Feb 09
I wish we could all be in your situation. Obviously, you haven't been laid off yet. You are right everyone needs to save money.
@ladym33 (10979)
• United States
17 Feb 09
Well the landlord has to give you 30 days before kicking you out so if I knew I would have th $50.00 soon, I would hold off on paying him. I would probably use half to get some food because I have to eat. Then I would pay half to the electric company as a bargaining tool to try to keep them from turning my electric off. I would refrain from driving so I would let the car insurance lapse, even though I would hate that.
@ladym33 (10979)
• United States
17 Feb 09
If however I had no prospect of getting more money anytime soon I would pay the landlord and see if I could get some food from friends, relatives, or a food pantry or something.
@mammamuh (582)
• Sweden
18 Feb 09
I would sell the car! That way I would get rid of the car insurance and get money for the other things! Wasn't that a great solution! I wouldn't go without elecricity since it would destroy all plumery in the house when it froze - and it would do that pretty fast since it's very cold here at the moment!
@sudalunts (5523)
• United States
18 Feb 09
Yes indeed, you did have a good solution
@Porcospino (31366)
• Denmark
17 Feb 09
I think I would spend the money on rent and pay the landlord so that I didn't get kicked out of my home. I wouldn't enjoy living with without electricity, but I have experienced periods without electricity when I was living/working in other countries, so I know that I would be able to handle the situation if I had to. I would walk around collecting empty bottles and sell them in the shops. (In my country we recycle most bottles, so the shops pay you to return the empty bottles) The money that I got for the bottles I would spend on food. I wouldn't be too worried about the car, I would just use my bike instead.
1 person likes this
@aisaellis22 (6445)
• United States
17 Feb 09
I would probably pay the car insurance. I would leave the house and live with my sister or family. So I don't think I have to pay the electric bill, buy my food for the meantime and pay the house. At least I could be save for a month and probably then during that time I could gather money of my own.
1 person likes this
@sugiono (57)
• Indonesia
18 Feb 09
I guess i will pay for my food and in a mean time got to find an extra cash to make things up
• United States
17 Feb 09
Well, I don't have to worry about eggs, milk, cereal, etc because of WIC. (Just for those reading who may very well need help, WIC stands for Womens, Infants, and Children. It is available in all of the 50 United States. It provides supplemental food packages for pregnant mothers, nursing mothers, and children ages 0-5 years. You can find your local number simply by googling WIC). The electric company has programs available (at least in the US) for just these types of situations. You can apply for LIHEAP in cold weather months, and a one time help with electric with Salvation Army, Catholic Charities, and your local CAP office. So, my electric would then be taken care of that month. The same offices above, Salvation Army, Catholic Charities, and your local CAP office can also help with rent one time per year. So, you go to one for one and go to another for the other. Now, what hasn't been mentioned was gas for the car so you can get to your job. That's where I'd put the money. In terms of the car insurance, you can usually make a one time deal with your car insurance agent if you are in a bind. It never hurts to negotiate with them. If they won't work with you put the money on the insurance. If you have a checking account that allows you to use a direct deposit advance, I'd suggest you advance what you need for your items. It's cheaper then bounced checks, and keeps your utitilities on.
@sudalunts (5523)
• United States
18 Feb 09
Thanks for you reply, you were really thorough.
• United States
18 Feb 09
You are very welcome. It's an intersting discussion to get people to think about these types of situations. Perhaps they know someone in their own community who needs just this type of help and they are able to provide it.
• India
18 Feb 09
i wud prefer to run away from that house and find a new house where rent wud be as low as $25. then i could buy some food stuffs for my family, and will live without electricity if i dont have money to pay. after all, bad times are short lived. so will hope for the better time to arrive soon.