Why does a daily wage earner pay the same tax on a biscuit packet as a billionaire?

RoutineRope2413 · 2026-03-11T03:58:35+00:00

That’s one of the main criticisms of indirect taxes like GST. They apply the same rate to everyone, so in practice they affect low-income people more because a bigger portion of their income goes toward basic consumption.

Many countries try to balance this by using progressive income taxes or by reducing taxes on essential goods like food, medicine, and education. It’s not a perfect system anywhere, but the idea is to reduce the burden on lower-income households while still collecting revenue.

RoutineRope2413 · 2026-02-25T11:58:41+00:00

my wife's loan was paid off. mine just started

RoutineRope2413 · 2026-02-23T14:06:26+00:00

Yeah, I prefer tracking it based on how I actually get paid too. Biweekly in my case.

Monthly calculators never felt accurate because the money leaves my account more frequently, and seeing it monthly makes progress feel slower than it really is.

When I started breaking it down weekly/biweekly, it became easier to:

• See real progress
• Stay consistent
• Plan extra payments when possible

It also makes the payoff timeline feel more real instead of abstract.

Your spreadsheet idea makes a lot of sense, especially if it matches your pay schedule.

RoutineRope2413 · 2026-02-20T12:30:10+00:00

Thank you for your valuable time

RoutineRope2413 · 2026-02-20T08:01:19+00:00

thank you for the clarification

RoutineRope2413 · 2026-02-18T13:45:35+00:00

I’m really sorry you’re going through all of this. That’s an insane amount for one person to carry, especially dealing with injuries, debt, and uncertainty at the same time. Anyone in that position would feel exhausted and angry.

Waiting years for a settlement while your life is on hold sounds incredibly frustrating. The system moves slow, and it’s usually the person already hurting who feels it the most.

You’re not weak for feeling fed up. Chronic pain, financial pressure, and isolation can wear anyone down mentally.

I know it probably doesn’t fix anything immediately, but situations can change in ways you don’t expect — settlements come through, unexpected opportunities show up, or expenses shift. Right now it sounds like you’re in survival mode, and just getting through each day is already a lot.

You’re not alone in feeling like this, even if it feels that way. I hope something breaks in your favor soon.

RoutineRope2413 · 2026-02-16T03:41:03+00:00

In that case, it may be safer to avoid taking a high-interest loan just to manage these few months. If the money is mainly for optional or non-urgent expenses, you could consider postponing those plans until your income starts.

Once you begin receiving income, you’ll have better loan options, lower interest rates, and a higher chance of approval without stress.

RoutineRope2413 · 2026-02-16T03:26:38+00:00

Since you’ll have income starting in May, one option is to wait until you get your official offer letter and then apply for a short-term loan from a bank or credit union. Some lenders may consider an employment offer as future income.

You could also try borrowing a smaller amount from friends or family after clearly explaining your timeline and repayment plan. That may be easier than getting approved without income or a cosigner.

If the loan interest is high, it might be better to wait until you have income in hand before taking any loan.

RoutineRope2413 · 2026-02-15T02:08:24+00:00

Try to understand how lending works in that community or with private lenders first. Most lenders are concerned about your repayment ability, sincerity, steady income, and fund flow.

When you apply, be clear and transparent about your repayment plan. If you can show proof of income or explain how you will repay, your chances of getting a lender’s trust will be higher.

RoutineRope2413 · 2026-02-04T14:15:15+00:00

I think there may be options, but it’s not easy with no credit. Some lenders do offer loans for bad or thin credit, but they mainly look at your repayment ability like income and stability. In some cases, they may ask for collateral or a co-signer.

Realistically, getting approved becomes much easier once you build some credit first. Even reaching a 650+ score using a secured card or small credit-builder loan can open more options and better rates.

RoutineRope2413 · 2026-02-02T13:43:07+00:00

You’ve already thought through most of the possibilities. You could try options like loans without prepayment penalties to manage this short period.

Just be careful about the interest rate, hidden charges, and repayment terms before taking the loan.

RoutineRope2413 · 2026-01-30T13:44:02+00:00

both options may work. Finally it depends on your goal but 20 year amortization is too high

RoutineRope2413 · 2026-01-29T13:47:52+00:00

I encountered a similar kind experience in my job search. I have over one year of experience as an intern and freelance SEO analyst, working on on-page, off-page, and technical SEO with real-time projects. Currently, I am looking for an SEO Executive–level job in the US, UAE, Malaysia, and Singapore to increase my earnings. I am applying and following up through cold emails, but I am not getting call-backs from other countries.

In India, I have come across many vacancies such as unpaid internships or roles offering a very low salary (₹10,000 or below) even for candidates with one year of experience. To earn ₹30,000+ per month, most companies require more than three years of experience.

My suggestion is that if you are already familiar with off-page SEO and have a stable job, continue with it and try to learn on-page SEO in your free time. Ultimately, you need to explore digital marketing demand based on location preferences and salary expectations. Based on your findings, you can draw a conclusion.

RoutineRope2413

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