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this post was submitted on 04 Jul 2024
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Bit of a straw-man argument there: firstly you don’t need to spend that all in one hit; the break even point is a lot sooner than 30 years; and lastly, paying to replace cheap shot that breaks quickly with more shit that breaks quickly is one of the traps that keeps prone living paycheck to paycheck.
My two examples below:
Samsung dryer died after 3yrs, out of warranty, broke in our 20s, couldn’t afford to replace it. Lucked out finding an ANCIENT Miele condenser dryer on Marketplace for $50. Not only did that thing last us another 3 years before it started tripping the circuit breaker, it was cheaper to run than the old unit and ended up saving us enough money that we were then able to invest in a brand new Bosch unit that’s still going today (7+ years).
LG refrigerator died in a little over 3 years, due to a known compressor fault; uneconomical repair even though it was still under warranty, so we got a full manufacturer’s refund. We bit the bullet, did our research and went with a Made in Japan Hitachi model. It’s always outlasted the LG, and is again more energy efficient that we’re saving a few bucks a month on electricity.
I will reiterate; it’s expensive being poor. Buying a better quality second-hand unit rather than a new ‘commodity brand’ appliance is just one of the small ways to make things a little less expensive.
So "You live paycheck to paycheck? Just find cheap stuff until you decide to bite the bullet and get a loan to buy something that will last!"
78% of people in the USA live like that.
Getting loans for things is part of the reason why it’s expensive being poor.
The average US credit card charges ~22% interest and there are a crap-tonne of sub-prime loans that prey on desperate people that charge a hell of a lot more than that! A ‘cheap’ $500 dryer will end up costing close to double that by the time the loan ends up paid off.
This isn’t a ‘have you tried just not being poor?’ comment; I’ve been in a similar position for the entirety of my 20s and a good chunk of my 30s, before I learned that there was nothing wrong with going against consumer culture and buying an older, quality second hand product.
Becoming financially mature is probably the most painful part of becoming an adult, in multiple senses of the word.