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Why steal from someone who is broke?

September 8th, 2009 at 08:52 am

So, I have been dealing with the creep who stole my atm number and SSN. Thank God that none of my money was taken. Smile

I am more worried about the usage of my SSN as it is tied to my work history and I have been working for more than half of my life (since age 14). I have contact SSA and still need to get a police report, which is taking a bit of time.

I am mad, and I am a bit mellower than I thought I would be---perhaps because my credit isn't so good (my credit score is ok, but too much debt to be eligible for any additional credit), and even if someone tried, they most likely would be declined for credit.

I am writing down what I buy and I think of things in terms of monthly---like how much soap do I need to buy for the month, etc.

I have enough food for the week, so I am happy about that. I am still refusing to buy chicken until I can find a good deal on fresh chicken breasts.

I have been going crazy with my coffee habit and realize I either need to 1) make take out coffee a part of my official budget, or 2) stop buying it so much!

I talked to my bf about the money issues....it is stressful at times because I know he isn't trying to just be cheap, he just doesn't have the money. It is a bit stressful in that he refuses to do a budget in advance...so i have to wait days for him to figure out his budget. It is also hard because lately it seems like he is owing me money from a previous pay period, and when he pays me back, he is really paying me back what he borrowed, but not significantly impacting the amount of money he is supposed to contribute for food. Grrrrr.....

I also realized a weird thing---but wonder how many have thought about it---saved vacation time? I have been having anxiety about my small amount of emergency savings. Then I realized what I had known all along---I have about a month's worth of vacation time stored....I can also think of that in terms of emergency savings! My only primary usage for emergency savings would be for if I wasn't employed, as I would just have to come up with car repair payments some other way, or start taking public transportation.

Has anyone else ever included accrued vacation time as part of the overall amount of available emergency savings? Does anyone here also include available credit as part of that calculation?

7 Responses to “Why steal from someone who is broke?”

  1. Joan.of.the.Arch Says:

    I used to think of CCs as a possibility in an emergency, but in the last three years have pushed them further back in my line of defense, choosing to increase cash savings instead. Especially in today's recession, I'm glad I did that.

    ATM pin---Isn't having someone look over your shoulder when using it the most likely way to have it stolen? Someone you know is the most likely culprit? *Gulp*

  2. bestmeicanbe Says:

    The person didn't steal my pin---they stole my debit/credit card number itself. Frown I usually always cover my hand when I am inputting my pin number. Frown

  3. Joan.of.the.Arch Says:

    Ah, gothcha. Not two minutes ago, I filled out papers for my own CC having been fraudulently used. It seems the regular replacement card was stolen from the mail and it was used online.

  4. whitestripe Says:

    i work for my familys business so don't get vacation time (im fine with it) and my other job i am employed on a causal basis - i have the same hours every week and the same shifts, i just earn more per hour and don't get holiday pay. so i cant count vacation time as an EF cause i dont have any!

  5. baselle Says:

    I have PTO time, not a split vacation/ sick pay. You can get it out as cash, but only when you leave your job, so it has to be a real, real emergency. I've never really counted on it.

  6. Broken Arrow Says:

    Interesting thought. Yeah... I have thought about my vacation time as emergency time. I've never really made it "official" or anything though.

  7. gamecock43 Says:

    Having your identity stolen sounds maddening. good luck. I think you have found the one time having a low credit score is a lucky occurance!

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