Showing posts with label welfare. Show all posts
Showing posts with label welfare. Show all posts

Monday, April 13, 2020

My Encounter with EBT (welfare/food stamp card) Discrimination





This is my first time on welfare/food stamps via CalFresh and already, I've encountered many roadblocks when shopping for food.

EBT (food stamp card in California) doesn't cover:
  • Household items: toilet paper, soap, cleaning supplies etc.
  • Medicine, medicinal supplies
  • Liquor products
  • Tobacco products
  • Certain cold prepared foods/hot foods
  • May not be accepted at small stores that mainly sell liquor

If half the store's gross income comes from the sale of liquor, then you probably can't use your EBT card there. I also found out certain POS systems will not accept EBT such as Clover, Square, etc.

Only now have Amazon and WalMart opened up their stores for online purchase using an EBT card but it's not clear how people will pay for delivery and extra charges. Many people can't afford to order food online and have it delivered and the government is slow to make an exception for EBT card holders.

There are also limits depending what state you live in and I was surprised to find California excluded from most of these options.

When I first went to Trader Joe's and used my EBT card, I just bought food and non-taxable items. No toilet paper, soap or anything else. It was about $44, which is what I spend per week for:
  • rice
  • soup
  • vegetables
  • fruit
  • juice
  • milk
  • eggs
  • salsa, rice mix
  • cheese
  • meat
  • tofu

However, there was a really long line at the Trader Joe's today and I guess I have to go around noon to avoid the horrendous wait time.

I went to CVS to pick up toilet paper and some cleaning stuff like alcohol etc.

When I got there—no toilet paper, only napkins and baggies, so I grabbed those. There was no rubbing alcohol or sanitizer, so I grabbed a tiny bottle of hydrogen peroxide for $1.49. Not too bad. A 3 pack of baby wipes 72 ct. went for $7.29.

The worst prices at CVS? A 50 ct. brown lunch bag set for $3.09 and 1 pack of napkins 40 ct. for $3.29. Big time rip-off. But I figured in case I ran out of toilet paper it would be necessary.

All together my semi-necessary splurge cost: $16.46.

It was not EBT eligible.

Do cashiers know you're on welfare when you use the EBT card? YES!

The guy asked me if it was hard to get the card and I said “No, go through CalFresh.” Then he saw my card get declined and I think he'll think twice about applying for EBT now.

Next up, to avoid the hideous lines at Trader Joes, I went to a small mom and pop shop that used to be a liquor store. So, I opted to go small and local. Not so great an idea...

Clover milk whole quart $1.99.
Corn tortillas small pack $1.79.
Toilet paper: $7.99.

$8 for toilet paper? Yes, that's what I paid because I was on my last roll. Toilet paper by fiora, 264 2-ply sheets, 12 rolls.

San Francisco tax: 8.5%

Total purchase: $12.45

Not EBT eligible on their Clover device (it said it was Declined and unable to process card) but they boasted an ATM which I didn't use. I think there's a charge to use an ATM on the EBT card so I didn't bother.

Then I went to another smaller shop in Nob Hill, which probably gets most of it's sales from liquor because when I tried to use my EBT card, it was declined.

Eggs: $7.99. Nothing is priced in this store and the last time I went there for eggs, they were $4.99, so I know they're ripping people off.

Tomatoes: $5.00 ($1.00 for each tomato from Mexico)

Total purchase: $12.99 (good news: no tax!)

So, I seriously had to spend $41.90 for essentials in today's world of COVID-19.

This was an interesting lesson for me to learn and luckily I have savings to pay for these exorbitant items.

Trouble is, not everyone has this luxury.

I live in San Francisco, so all I had to do was take a small bus ride up (I wore my mask the entire time while in the bus and shopping, as not everyone did this). The areas I shopped at were close together, so I didn't have to go far and I walked all the way down the hill to where I live.

Imagine if you're a person with a baby, in a baby carriage and other small kids with you—it wouldn't be so easy and it would likely take an extra 30 minutes per trip to each store while waiting for the bus, which is another 10-15 minutes per trip. No way can you do this while working.

Also, take another scenario where you live in an area devoid of actual super markets such as the Tenderloin or out in Hunter's Point, where the grocery shortage is well-known and publicized. You can't use your EBT card in liquor stores. You would have to use an ATM—assuming that there is an ATM in a bad, crime-ridden area and that you can afford the extra charge. There aren't many buses out in those areas either, so it would take twice as long to get someplace to buy food if those liquor stores will not accept your EBT card.

It's a rigged system against people who need social services the most and when the government takes punitive action against citizens for using food stamps—there isn't much people can do.

Many state and federal laws have now put limits on using ATM and cash payments through EBT.

This on top of a massive food shortage widens the gap between the fed and unfed.

In a country that spends billions of dollars on corporations and military weapons, this is inexcusable.

It's not like the rich care or help poor people or average citizens. I tell you, not many can escape the horrid scrutiny of the rich upon the poor.

This morning, I got a lecture from a rich person online who had never been on food stamps and they said,
 “There should be limits to what you can buy—don't buy junk food!”. 

This troll had no idea that I don't buy junk food at all and really can't eat any donuts, etc. because I have Celiac Disease. This person unknowingly attacked me when I mentioned that for the first time in my life, I had to apply for food stamps because of the COVID-19 crisis.

It's this kind of narrow-minded, ignorant thinking that has led to punitive measures against the poor and people who are in need of social services when a broken system lets them down.

Not everyone is a “welfare queen”. Your wealth is not self-earned but is dependent on the work of others, on your families' wealth and government breaks you get—which are many for the rich and few for the poor.

I wrote a lengthy paper in college concerning the stereotypes of the poor and the discrimination they face—oftentimes at the hands of criminals who have taken money from the poor (see also: rich senators who sold their stocks during the COVID-19 crisis). Legislators have no business regulating us if they can't regulate themselves.

My encounter with welfare discrimination is a mere slight against me and I'm hoping this will not be long-term for me, though it is a tough reality for many others around me, including some of my friends. For people who need these social services the most, it is a disaster to navigate.

Let's not make it any harder on people who we should be helping, not harming.

We're in this together, let's show some respect and stop the discrimination.

Tuesday, July 7, 2015

The Ugly Truth About Job Searching

Part I

Here I am again, looking for a job. I thought by moving to the bay area my chances for employment would increase. I was wrong.

"Work History"

This is probably the most difficult topic to explain. My résumé goes back to 1997, when I first helped out as a teacher's assistant for sign-language in elementary school. I was also the librarian's assistant, using the computer system for: checking out/in books, data entry, typing, etc. I was twelve-years-old.

I was always very helpful in my childhood. My first 'job' was teaching other kids to read as well as I could and to tutor them. I was volunteer of the month twice at my school. I also wanted to draw a comic book and sell my hand-made clay figurines but I never was able to.

Before that, I tried selling my toys, and drawings to the neighbors for $0.05 each. I was a very outgoing child and had a great entrepreneurial spirit.

At 13, I tried to get a job with the local animal shelter but when I entered the facility (it had been closed), there were a bunch of dead deer animal carcases that had to be disposed of, courtesy of animal control and reckless highway drivers. I lost the urge to volunteer with them after that.

In Jr. High, I helped design a math tutoring slide-show using Power Point on Macintosh. The teacher was very impressed and gave me extra credit. Other students were able to use the program to help their skills in math. I was also using a Windows 3.0 and was studying on my own with Microsoft Encarta. Those were the days...

I was writing poetry, drawing graphics on the computer and wanted to start my own graphic design business by making pictures for anyone that needed them. I was handing out flyers to local neighbors until finally I got discouraged by lack of interest and lack of know-how to complete my "start-up" venture. Needless to say, nothing came of it.

In high-school, I baby-sat and did pet-sitting and house-sitting for the neighbors. I got a pretty good sum of money for it and in those days, I had enough to get my first Certificate of Deposit at the bank in my own name (back when interest rates were 5%!!).

The only other job I had to do was get my CA Driver's License (after taking courses at a traffic school), and help take care of my grandparents. I also had a dog then. Besides school, there wasn't much else for me to do in the small town I lived in.

I wasn't encouraged to get a job. My grandmother wanted me to be available to help her and always told me, "We have enough money, you don't need to work!". So I never tried getting a job while in high-school. My grandmother supported me through high-school, having raised me as a child. Then after home-school was, more school. She decided it was best for me to go to community college, since I had been home-schooled and a state college would require advanced math, which I didn't get through home-school (back in those days, there wasn't an algebra test to graduate). Also, she didn't want me leaving town since I had to help take care of her and grandpa and do things for them: errands, hospital trips, emergencies (which there were a lot of), etc.

I vaguely had an idea of going to UC Davis to 'become a veterinarian' which was every girl's dream at the time. The only thing I had to do was finish community college. It turned out to be harder than I thought.

2002 came around. I graduated home-school with honors and was valedictorian. Then came community/junior college with all their rules, red tape regulations and enrollment processes. I almost didn't get in. Which classes do I take and why? So I enrolled in classes I wanted to take, instead of the 'required for graduation' classes. Grandma told me, "Just take what you want. You can do the rest later." That's what I did. For several years.

Community college is supposed to be done in two years, maximum. You aren't supposed to take easy classes unless you're retired or... retarded. I had no idea 'the powers that be' were keeping track of my classes. I had a talk with a counselor who asked me why I hadn't taken required classes and that's when I figured out I had to get something done.

I registered for algebra I (which said I was qualified based on their assessment test), Japanese, Honors, English, Science. I was taking 18 units. Needless to say, I failed algebra I (the teacher told me to drop the class), barely passed English (teacher quit to become an actor in New York), dropped Science (it was too hard because of the advanced algebra required), barely passed Honors (teacher was an ass who told me, "I only added you because I needed to fill seats for my class".), and passed Japanese with flying colors, go figure!

Also... because I was with State Farm and on my grandparent's plan, I was required to take 12 units every semester to get a discount. I never wanted to do this but my grandmother insisted because she didn't want to pay extra money to insure me. So no matter what, I had to sign up for 12 units any way I could. Eventually, I burned out and failed a few classes because of that stipulation.

I didn't think any of this mattered until I tried to get a job as a college orientation leader. Some kid, younger than 18-years-old I think, looked over my 70+ unit transcript with a dubious look and asked immediately why I failed math and astronomy. I explained the situation but he wasn't convinced. I didn't get the job. I think his drunk frat buddy got the job instead, even though I knew way more about the college process than either of them combined.

My 'inexperience' in the job field would come back to haunt me, as I tried to look for other entry-level jobs. In a small town, unless your parents are rich, or you're really popular and have friends who can get you jobs, you don't get hired. This was my problem. My grandparents weren't rich. I didn't have many friends and wasn't popular enough to know important people in high places.

Other kids had part-time jobs in stores, restaurants, etc. Mostly because their parents hired them or their siblings got them the job. On every job application it asks, "Do you have friends or family members currently employed here?" That should be illegal. That is called DISCRIMINATION!

Finally, I got a job working at an animal shelter after volunteering there for several months. That job didn't last long. It was my first job. I knew nothing about time cards, sick-leave, taxes, etc. Sometimes I would finish all my tasks and ask my supervisor, "Can I go now?" And the supervisor, totally caught off guard, would say, "It's not time yet. Sweep or do laundry or something."

Other times I worked past my allotted time in order to finish the job, like for the endless amount of dirty laundry that had to be done. Finally they told me, "We can't pay you over-time. You need to clock out now." In my innocence, I replied, "It's okay, I can do this off the clock." I had no idea that was illegal, that it would conflict with employer insurance, regulations, etc. I stayed only a few months at that job. I just got burned out (plus all the other horrors I witnessed: animals abused, community service workers neglecting their work, etc.). I saw many a Director come and go at that place, so I'm guessing I'm not the only one who suffered burn-out.

Years later, I tried a stint in Thailand to teach English. That didn't work out either. It was a scam. Like most "Teach English Overseas" jobs, they are meant to entrap tourists so they can put out a bunch of cash to these so-called 'degree providers', give them a crappy job, deny them a working visa and pretty much screw them until they have to leave, which is in three months (Passport must be stamped every month by leaving the country and through re-entry). I got the certificate but very little job experience.

After this I realized my life wouldn't change. I enrolled in community college again (seeing that I couldn't enter state college with my limited math and science) and changed majors. With all my theatre experience, it wasn't enough to enter a job field in a small college town surrounded by farms. There were no jobs for actors, or theatre majors. It was time to do something practical. I tried journalism with the same result... nothing. Then broadcasting.

At this time, I found a job at school. Working in the cafeteria was probably the most practical job ever and I wish I had done it sooner. I had seen my other friends work there and knew it paid enough to cover college expenses (after financial aid). It was the longest, highest paying job overall in my life. The only thing I regret was that I didn't get to do the café, smoothie bar or grill, which would've helped me pursue other jobs outside of college. My supervisors and co-workers were great. I only had two incidents of harassment on the job by customers but other than that, it worked for me. But I quit the job to pursue the broadcasting internship.

Broadcasting was interesting in that it allowed me to use my public speaking skills by interviewing people, use my creativity when it came to writing and editing stories, and still be in the spotlight when I read the news story live, on-air. There were some problems with technical issues, politics and internal conflicts but by this time I had worked out another internship at a for-profit radio station.

This other radio station wouldn't have much of the technical issues but still had a lot of politics involved. Turned out, I would lose the job to a younger guy who helped out with sports announcements (I was the news substitute person at $8.00 an hour). I don't even remember signing any "end of employment papers" but they never called me again for the job and I got the idea that I wasn't working there anymore.

After that I focused on volunteering, thinking that eventually it would lead to a paying job. It never happened. Time and time again, I was refused a job because I didn't know the right people or didn't have a husband to get me a job. All the people I volunteered with were retired and didn't have to worry about income and they didn't have any job contacts for me to call.

So I did what every un-employed American does in this country, I went on Craigslist. I found a job as a caregiver, the lowest paying job I ever had (after forced union dues were retroactively taken from my paycheck), I made less than minimum wage. I found out caregivers make around $18,000 a year... compared to most jobs at $27,000+, it's a terrible sum. The only jobs below this are: farming, fishing, and forestry.

Then, seeing that my caregiver job wasn't enough to pay for rent or my bills, I got another job: sign waver a.k.a. a human billboard. This job paid better though for less hours, it still didn't pay much. Less-than-ideal working conditions, harassment on the job, and smoke inhalation/exhaust fumes, made it a not-so-great career move. I knew it was a temporary position since the other guy had quit before me.

It was time for a change of pace. I decided to do freelance and change my interest to: retail and fashion. I tried for a time doing referral services in town for local shops and stores. Due to the terrible economy, many stores were going out of business and my referral service was quickly out of date. I then veered toward the fashion industry and found a nice niche in women's fashion.

It was a job but not a W-2 job, so I didn't make enough to pay taxes on it. In fact, in all of my jobs, I never made enough to pay taxes... ever. According to State of California Franchise Tax Board website: "You have a requirement to file a California Personal Income Tax Return if your Gross Income is $15,702 or more; or your Adjusted Gross Income is $12,562 or more."

Did I make that much, ever? Nope.

"Was your gross income for 2014 $3,950 or more?", asks IRS.gov. (Single-household, non-disabled, etc.)

No, it was not.

I never made either of these amounts in MY ENTIRE LIFE!

My grandparent's money has supported me my entire life. I consider myself lucky and unlucky. It won't last forever though.


Part II


There are some people who've worked since 16-years-old. These are the people who've had to work through high-school and put themselves through college: flipping burgers, dealing with people's trash, and with other crummy low-wage jobs that barely pay the bills.

Some people are lucky enough to marry and become housewives and have children and get money from the government. Some start their own business and make even more money.

Others... others have gotten divorced, have had to fend for themselves, have had to live on the street.

This is what I'm looking at since I may not qualify for welfare, due to the red-tape process and huge waiting list. Even unemployment is tricky business and you need to be very savvy in order to get any benefits.

I don't like the idea of having to do this. We are taught in America that if you work hard, you get paid and you can survive. Unfortunately, the reality is very different and many people have two jobs and are still homeless.

There are many ugly facts that contribute to this. A bad economy, bad working conditions and unfavorable employment opportunities (or non-opportunities) don't give people much to work with. The truth is, it has always been this way. There have always been crappy jobs for those not-so-fortunate people, mainly: immigrants who don't speak English, ex-felons/prisoners, mentally ill, disabled, former foster youth and un-educated, poor people in poor communities.

The only difference is now, people with BA's and MA's are competing for these horrible, low-wage and degrading jobs too. The middle class of America has disappeared and the gap between the poor and the rich is getting bigger.

With such terrible conditions, it's no wonder employers are taking their knives, sharpening them and slicing away at the population (and wages). They have no compunction about deceptive hiring practices, misleading job processes or outright lying. They can fire at will with no reason, say bad things about you when you leave the job and deny you future opportunities for employment. Think I'm making this up? Think again!

Discrimination, sexual harassment, ageism, unfair wages, unsafe working conditions... these are all the things that happen when employers are given free reign over desperate people who need jobs. Since people need the jobs so badly, they will do anything to keep it and not complain, even if it kills them.

In Japan, salary men are lucky to live past 40-years-old due to the stress they suffer under their job. High blood pressure, diabetes, ulcers, cancer and other health problems are common. These are just the salary men who suffer this in Japan. In America, it's much worse for everyone else and we're considered the most developed country on Earth.

"You Are Who You Work For"

The job identity associated with your employment is inescapable and you must be very careful to get the "right" job or you'll be stuck flipping burgers for the rest of your life. The odds of you improving your work "experience" from food service to let's say, hospitality, is zilch.

"You don't have hospitality experience!" a snotty HR associate will chide as they look at your 10-year-curriculum vitae at McDonald's. It doesn't matter if you managed to become Senior Manager and lead a crew of 10+ ever-changing high-school kids, supervise the: cooking, cleaning, orders and deliveries of food while maintaining a healthy environment (and bathroom) for the job. At one dollar above minimum wage, your job doesn't qualify you for any other job other than: Senior Manager at Burger King. That's it.

Forget climbing the social ladder. You can barely make it to dirt level.

Employers see who you've worked for and unless you fudge your C.V. quite a bit, you're not going to improve your career, ever.

"No Entry"

Gatekeeping software is now the ever-popular device of all major employers. Ever fill out an employment form online? Congratulations, you've just made it to the Trash Bin Pile! Software designed by geeky shut-in graduates of Stanford, Harvard or Yale make it even more impossible to apply for jobs. Unless you have keywords like: Analyst, Financial Advisor, Administration, Biotech, Human Resource, Software Engineer... etc., don't expect to make it to the email box of the Human Resources person who's supposed to glance at your résumé. By the way, what's the name of said Human Resource person anyway? Don't know? Too bad for you. You'll never get employed if you don't know their name then.

Employers are also very careful not to give out any information about: themselves, their Human Resource people, their employees, and other employment opportunities for that reason. If you're not "one of them" forget trying to get in. Consider this door permanently shut.

"Are Any Of Your Family Members Or Friends Currently Employed Here?"

This question is meant to eliminate over 90% of job applicants. If you aren't referred by someone on the job personally, then forget applying. Over 50% of hires are made through referrals and that's why you see all: Black, Filipino, Hispanic/Latino, Vietnamese, etc. working in one store. Referrals usually consist of same race, gender, age and socio-economic background.

"The Psychological Test"

Do you feel happy everyday, every single minute of your life? If you answered no to this question, it will affect your employment. Psychological questionnaires in the form of required employment tests ask you such discriminating questions and because they are developed by a third-party company, employers use them without a qualm. [See my other article: Job Hunt Spying Policy]

Even on the job, you are required to smile 24/7: while people are being rude to you, while being groped by your boss, while being groped by customers, while your co-workers are talking crap about you behind your back, while your co-workers are talking crap about you to your face, while you're secretly depressed but can't talk to anyone about it because then you'd lose your job.

See what I mean? What kind of person would be capable of smiling through all this? It's inhuman and inhumane.

"The Credit Score"

You wouldn't think what you buy on your credit card would affect your employment but in this day and age, having a bad credit score looks bad to employers who are allowed to see all your credit history through a "background check" that has nothing to do with your (hopefully non-existent) criminal record.

Had to use your credit card to pay for groceries? Too bad. Did someone steal your credit card and use it to pay for $500+ worth of clothes? Oh well. No job for you.

Employers never disclose the fact that they've looked at your credit report, or didn't hire you based on your credit report. It remains an issue that will never be solved. Even though, technically, you are allowed to view what they view, you never get the chance. Employers can easily side-step this by simply not looking at your application at all. Just because you completed a background check doesn't mean they will actually look at your application, cover letter, references or résumé.

"Make An Effort"

Imagine you need to apply for 20 jobs a day due to unemployment, etc. You need a job by next week. You fill out 120 applications, 120 different cover letters and 120 copies of résumés and references. You get 5 interviews that week. Zero call-backs.

Next week you do the same...

People tell you that you need to make finding a job your "full-time job", "dedicate 6-8 hours a day to get results". You do 10 hours a day with no results. How many jobs applications can you fill out in a day?

You get burned out. No one gets back to you. The one interview you thought went well never gets back to you. You email them and they have an automatic response, "We appreciate your time but unfortunately your qualifications don't match our requirements at this time...".

At this time, they say, as if in the unforeseeable future they may consider you again. You are told that employers are supposed to keep your application on file for six months... it's a lie. Employers don't even remember you the next month you apply for the same job that is mysteriously vacant again. You go through another set of interviews, only to have the same result, nothing. In the end you wonder what it's all for...

As a desperate measure, you apply for jobs below minimum wage, gigs they are called, in hopes that it will lead to something more. You even consider unpaid jobs just to fill your résumé with something other than community college courses.

The gigs are nothing more than a joke. The jobs below minimum wage are exactly that, minimum wage with no room for improvement, promotion or increased wages or hours. The unpaid jobs are only for high-school interns and you are far too old to apply (they try to hide their disgust at you and fail as they go through with their interview, since you have clearly wasted their time), and you are left feeling degraded, useless, worthless and ready to kill yourself.

Welcome to America.

Now put your head to the ground, kiss the sh*t stained sidewalk that will soon be your home until a cop comes around and beats the hell out of you, since this is what it all comes down to in the Land of Opportunity (Poor People Need Not Apply). If you complain it just means you didn't try hard enough and that you are a lazy-good-for-nothing-ungrateful-piece-of-filth-who-should-just-do-the-world-a-favor-to-save-the-tax-payer-money-no-welfare-please-goddamn-kill-yourself-off-now, unemployed person.

"What now?"

There are a surprising amount of jobs available for the lazy-good-for-nothing-ungrateful-piece-of-filth-who-should-just-do-the-world-a-favor-to-save-the-tax-payer-money-no-welfare-please-goddamn-kill-yourself-off-now, unemployed person. Just to name a few are: drug-dealers, prostitution, military... prison. Yes, prison employs a lot of prisoners who must work many hours to pay for their blankets, toothbrushes, phone privileges, and other accoutrements.

The military offers some benefits and assuming you survive the whole gotta-kill-everyone-so-I-don't-get-killed ordeal you get to have PTSD which can put you on disability and unemployment, after you jump through hoops of fire and a battery of assaults by psychologists and medical doctors who secretly just want to make you a drooling zombie and take all the government money they can from you.

It's nice to know there are some jobs in this country after all for others like myself.


* * *

Friday, July 3, 2015

Let’s Talk About Money

I was going over my finances, like I do every few months, and decided to write down all my expenses so far (not counting entertainment, coffee, eating out, etc.). I was trying to figure out how much I could save if I got a better paying job, now that minimum wage in San Francisco is $12.25 an hour.

Turns out, I won't be saving anything after all...

Here are my expenses:

Rent $850/month $10,200/year

Rent in San Francisco is insane and I'm lucky to get a studio (no bath or kitchen) at this price. I got a lease, so I'll see how long that lasts. There is rent control here but it's a tricky situation that has kept many local and state lawyers busy (and well employed).

Health Insurance $285/month $3,420/year

I never needed health insurance, until a disastrous situation put me in a "hospital" against my will. Rather than paying $32,000+ for those bills, my health insurance put out $15,000+ and cut it down to a reasonable amount for me to pay in monthly installments, somewhere around $5,000+.

Not bad... but now I don't think I can afford health insurance anymore. San Francisco has their own health insurance but I don't work here to qualify and I really don't want to be on Medi-Cal because I've heard horror stories about it.

Storage $180/month $2,160/year

Do I really need all that junk in my storage? No. But how do I get rid of it? That's a problem that has plagued me for 3+ years now. Yes, for three years I've been paying storage fees because my family used to live in a four bedroom three bath house and now I'm on my own in a studio with no way to get all my things back to the way it used to be. Not all that stuff is mine, true, but if I were to pack all my stuff: books, books, more books and some furniture... I'd really be crammed in this remodeled hotel room I'm living in now. This is a work in progress.

PG&E $60/month $720/year

Since my last bill so far was $4.44, I have no idea what my next bill will be but I'm basing it off of previous bills I've had with PG&E. Unfortunately, due to much red tape and meaningless "Poverty Levels for a Family of One Household", I don't qualify for PG&E handouts. How much electricity can I use with only a computer, printer, rice cooker, hot water pot and fluorescent lights? I may have to update this later.

YMCA $62/month $744/year

Yes, I belong to the YMCA which is right handy for me. I may not use the gym that much or go to all of the yoga classes but they have an indoor swimming pool, as San Francisco's summer weather reaches a ridiculous high of 70 degrees fahrenheit without fog. They also have clean showers. I live in a studio and shared bath with only three bathrooms on four floors, with over 60+ people sharing them. Figure it out.

AT&T $51.98/month $623.76/year

I am going to cut AT&T even though I've been with them 10+ years. They inform me that I'm on "the cheapest plan" but I'm not convinced. My phone bill is supposed to be $39.99 but they add in all these extras and taxes, including a very shady Administration Fee of $0.61 that was not approved by customers. Needless to say, I could write another article just on how much AT&T rips me off. Now I just have to figure out how to transfer data from a very old flip-phone to my monthly to-go smartphone.

StraightTalk $40/month $480/year

Recently, StraightTalk along with TracPhone was involved in a lovely scam where they "throttled" data speeds, even though customers paid money for Unlimited Data Nationwide. Unfortunately, I missed this FCC claim process because StraightTalk conveniently did not send me a letter, as they were supposed to, informing me that I had a right to a refund.

However, since I had to use my smartphone to get my cheap $850/year lease in San Francisco, I'm willing to forgive them this once and continue to shell out money for their product that I desperately need. So far my data limit is under 3GB, so I should be fine. But I would rather have this phone than pay more money for AT&T. I'm also using Google Voice but we'll see how long that lasts before I have to pay for that too.

Bus/MUNI/BART in San Francisco $83/month $996/year

I get a monthly pass for $83.00 and if my card gets stolen (like it did a few days ago), I get a replacement with all my benefits and money sent to me for just $5.00.

San Francisco is one of the few cities in the United States of America, where you don't need a car. I don't have a car anymore but luckily, I don't need one here. San Francisco has three options for transportation: Bus, MUNI and BART (along with those sketchy: Über, Lyft, etc. rideshares that take money away from city-licensed taxi drivers). I don't ride my bike here (yet) but even walking is possible where I live and as long as I live in San Francisco (hopefully forever), I will never need a car except to rent one when I go out of town [promo plug-in for Enterprise-Rent-A-Car here].

Comcast $54.95/month $659.40/year

Without Comcast Internet, I wouldn't be writing this to you now. Internet has become one of the most important utilities in civilization: more than a phone, TV, radio (or even Gas/Petroleum). Because, without this communication you couldn't: find a place to live, find a job, find your way around town, sell junk you don't need, find unemployment, etc. We should all have free internet in this country with sufficient speeds to adequately complete these daily activities (no streaming movies, etc.). Let me write it again: We should all have free internet in this country with sufficient speeds to adequately complete these daily activities (no streaming movies, etc.).

For the time being though, this monthly cost will be the last thing I cut from my budget and I'd rather cut food for it. I'm using a Wi-Fi to-go plan which may be eliminated soon so I have to use it while I can.

Food $200/month $2,400/year

$40/week × 5 =$200. I'm not sure if this is a strict budget or not. I shop at Safeway and try to get gluten-free products there. Due to my Celiac Disease (it's a disease, not a diet!), I can't have bread, so this significantly changes my whole budget. Gluten-free food is ridiculously expensive. Lucky for me, I like Asian food and can get by with rice but there's only so much you can do before your tastebuds start yelling, "I'm bored! Get me sugar and chocolate!". So yeah... I'll see if I can cut this down without cutting my weight down too.

So... how much is this all costing me, you ask? I'm guessing you're bad at math like I am. Here's the answer:

$1,866.93 a month. $22,403.16 a year.

Seems like a lot, doesn't it?

For one person, I'm sure it is. So given my circumstances (and unemployment situation), I was willing to cut a few things, should my purse become a bit lighter in the future.

Without Health Insurance, AT&T, Storage and YMCA, my expenses would be:

$1,287.95 a month $15,467.16 a year.

(Cutting those expenses I listed would save me: $578.98 a month and $6,936 a year.)

Now, here comes the reality check. If I don't find a job and my situation gets worse, I'll have to make more cuts. Let's call it, the Major Crunch. I want to keep my Bus/MUNI/BART, internet for job and school and smartphone to keep my life going but if worse comes to worse I can live without it, though it would really, really, suck.

Here's the breakdown on Absolute Living Expenses With No Frills Whatsoever:

Rent: $850
PG&E: $60
Food: $200

= $1,110 a month $13,320 a year.

But guess what? It's still ABOVE Poverty Level (one person). In 2015, the new Poverty Level for one person was listed (according to GOOGLE) as: $11,770 a year.

Federal and state wages have yet to match San Francisco's generous minimum wage standard.

In Chico, I made $10.00 an hour MAX. But even with that wage, I never made $11,770 a year. Why, you ask? Was I lazy or unemployed? No. I had two jobs then. The other job paid: $8.70 an hour. Even with these two jobs, I never made that much money -- not even enough to pay my rent of $795 a month.

I didn't have enough hours and the one job that gave me enough hours was cut but was only paying me $8.70 an hour. ($0.70 above Chico's minimum wage, but with forced union dues, I made less than that an hour).

It's a delicate balance between wage and hours worked to make a living. I've counted and re-counted this dozens of times to get a formula table fit to show any economist who dares insist that minimum wage standards are enough to live on.

Let's start with 20 hours, as the basis for part-time work...

20 hours a week.

Here's the breakdown on San Francisco's minimum wage and a part-time job of 20 hours per week.

$12.25/HR × 20 hours a week × 4 times a week (estimated paycheck arrival) = $980 a month.
(This does not include money subtracted for taxes, unemployment, etc.)

That's $11,760 a year.

Guess what? You're making: LESS THAN POVERTY LEVEL! ($11,770 a year)

Forget paying the bills. Forget saving money. Forget going to school (even with financial aid, you have to shell out for books, paper/ink, etc.).

Let's try getting more hours...

$12.25/HR × 25 hours a week × 4 times a week (estimated paycheck arrival) = $1,225 a month.
(This does not include money subtracted for taxes, unemployment, etc.)

$14,700 a year.

All right. Now things look less grim. You can make a living wage and maybe go to school if you have previous savings and are really, really lucky at not having any medical bills or catastrophes to upset this delicate financial balance.

$12.25/HR × 30 hours a week × 4 times a week (estimated paycheck arrival) = $1,470 a month.
(This does not include money subtracted for taxes, unemployment, etc.)

$17,640 a year.

Great. Making a living wage with more money and the increased possibility of making it through school is a step in the right direction! Let's see how long this lasts.

$12.25/HR × 35 hours a week × 4 times a week (estimated paycheck arrival) = $1,715 a month.
(This does not include money subtracted for taxes, unemployment, etc.)

$20,580 a year.

Yay! A proper living wage and United States living standard enough for you to pay your bills, go to school and maybe save for the future.

Oh wait... looks like I forgot something.

This is for a single person living in San Francisco, on "generous" minimum wage, granted an unheard of 35 hours per week without any cuts, excluding taxes and emergencies.

How many people actually make this much? Not many.

Let's do the math with $10.00 an hour, $9.00 an hour and $8.00 an hour...

$10.00/HR × 20 hours a week × 4 times a week (estimated paycheck arrival) = $800 MO. $9,600 YR.
× 25 hours a week × 4 = $1,000 MO.      $12,000 YR.
× 30 hours a week × 4 = $1,200 MO.      $14,400 YR. 
× 35 hours a week × 4 = $1,400 MO.      $16,800 YR.
(This does not include money subtracted for taxes, unemployment, etc.)

$9.00/HR × 20 hours a week × 4 times a week (estimated paycheck arrival) = $720 MO. $8,640 YR
× 25 hours a week × 4 = $900 MO.        $10,800 YR.
× 30 hours a week × 4 = $1,080 MO.     $12,960 YR.
× 35 hours a week × 4 = $1,260 MO.     $15,120 YR.
(This does not include money subtracted for taxes, unemployment, etc.)

$8.00/HR × 20 hours a week × 4 times a week (estimated paycheck arrival) = $640 MO. $7,680 YR
× 25 hours a week × 4 = $800 MO.        $9,600 YR.
× 30 hours a week × 4 = $960 MO.        $11,520 YR.
× 35 hours a week × 4 = $1,120 MO.     $13,440 YR.
(This does not include money subtracted for taxes, unemployment, etc.)

Notice the less you get per hour, the more hours you have to work to escape "Poverty Level". Since the Poverty Level is so unrealistic in this country, it doesn't take into account living standards in today's economy.

Imagine also, if you had a family to support on this income. Many single mothers (even with supposed government benefits) struggle to make ends meet, and they make above poverty level.

I did this to illustrate what money really means in a job. How even $1.00 more an hour can be the difference between living at poverty standards or scraping by at every-day standards.

I may not be an economist but any ordinary person can figure out the Poverty Level system is wrong and needs to be corrected immediately. No rich person can argue this evidence, saying that "we make a decent living" on such pitiful wages. Never mind the fact that employers are cutting wages and hours every which way they can. Even bank tellers have only 20 hours a week... You can find for yourself where they stand on the chart.

Having this information puts my job search in perspective and may hopefully help others bargain for better wages... unless it means getting laid off in your job. It's easier to bargain for more hours than for higher pay but even with more hours, employers will look at cutting you...

(as what happened to me at my other job).

If you dare to ask for living wages, more hours and a better life, you may get punished. But by not asking for this, you are living in a state unfit for our standards today in the United States of America, home to the greatest number of billionaires on the planet.

My financial circumstances mean little compared to the big picture of the economic crisis in America. Plenty of people get by living on the streets, though I'm not sure I'm willing to do that (yet). However, I think when everyone starts having this conversation, we can reach an agreement that there's a lot to be done concerning our budget and financial situation. Deciding what to do about it after, is another question (and a much more lengthy article to write).

For now, I'm still looking for a job. I'm saving my coins in the meantime. If I'm lucky, I'll have enough coins to do laundry next week (It's $6.75 to do laundry every week). Oh no... I forgot to budget for laundry! I guess when times get tough for me, I'll be the smelly person on the bus.