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Comment by Mz | Hacker News Reader

When I work, I often make more than $20/hour. Not always, but often. But I am not always able to put in the hours, due in part to my health problems and in part to logistical issues from being homeless. I also have trouble promoting myself, in part because I am homeless so people online don't take me seriously, but in part because I am a woman, so a lot of people didn't want to take me seriously even when I had an apartment.

Plus, my student loan is being paid off this week. With that paid off, the odds of me getting off the street start going up. There are plenty of articles on how much of a burden student loans can be in the US. So google it if you can't fathom how that matters.

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An important reminder for anyone not in the US.

Student loans are one of the (the only?) forms of debt in the US that cannot be discharged via bankruptcy. I believe that too is a major factor in the rising cost of college and other secondary educations; there's no market pressure to price the services at a rate based on the student's success.

Congratz on paying down your student loan!

Have you considered coming up with a resource for those paying off student loans? Not so much a pity-party community, but more of financial resources + legal contacts + "life hacks" + community / forum. I'd imagine the potential audience is quite large in the US and the emotional appeal of getting debt collectors off your back is pretty enticing.

I imagine the next generation of resource websites like this will use "brain hacks" (concepts in BJ Fogg's persuasion techniques -- similar to gamification) and may even be able to charge a subscription if it can change habits and encourage positive progress on paying down loan debt.

I paid down A LOT on a family member [A]'s student loan to take the pressure off another family member [B]. I would gladly pay a subscription fee for [A] to learn to take control of their own finances and figure out how to save money on their own.

I recently started this site because I think most money problems are really life problems, but it isn't exactly taking off:

http://notanothermoneyblog.blogspot.com/

I would welcome feedback on it. That would help me figure out where to go with it.

Most of my financial advice stuff ends up here:

http://sandiegohomelesssurvivalguide.blogspot.com/p/money.ht...

I don't really plan to create anything with a subscription because the kinds of problems I talk about tend to leave people with too little money to survive. My hope is that as my writing helps people start solving their problems, they will leave a tip when they can better afford it. But I do have a Patreon:

https://www.patreon.com/MicheleinCalifornia

I don't know if I have any useful feedback for the linked sites.

notanothermoneyblog:

I tend to be turned off of traditional blog layouts because of navigational structure. As a reader, I don't care about when an article is written, I care about matching my reading interests quickly with what is available on your site (perusing the titles / tags / categories). If there is a config to toggle away the year-month navigation style, I would prefer that. YMMV

sandiegohomelesssurvivalguide:

The site seems niche and, as you have mentioned in other posts, there is a stigma against homelessness. Non-homeless (awkward description, I know) readers might feel immediately turned off before reading anything. You might be able to convey the same type of message by describing it as "scraping by", although this may be counterproductive.

I would suggest you might try to review your previously-written articles and see if you can make them more reader-friendly. Currently, they seem a little writer-friendly and not very optimized for the reader. Having a TL;DR at the top might keep interest. Eg. the "gift card" article #2 was interesting because it mentions the CA state law that gives consumers the right to cash out sub-$10 balances. That is very useful for me, as a California consumer and I probably would not have thought I would find a nugget on a site and wouldn't have found it if I wasn't trying to review your site. Having the nugget of wisdom in the article title (eg. "Gift cards can be cashed by state law") rather than a less-specific "Cash for Gift Cards -- Addendum"

Small bug: The link from the /p/money.html page to "Starbuck's and Domino's Rewards and Gift Cards" is broken (there is a stray "http:/" at the beginning).

If you can, try to get an Amazon Affiliate account and add Amazon affiliate links when you describe / review books like "Book recommendation: How to Get Out of Debt, Stay Out of Debt and Live Prosperously". It might not be useful short-term as they won't cut checks for amounts smaller than ~$25, but they pay 4+% on lots of products.

Thank you for the feedback. I have fixed the bug.

I will look at the navigational options.

There is actually an amazon affiliate link for that book on the site. I have not done well with amazon affiliate links. But maybe I will figure it out someday. (Though, I have updated it to make it text on the assumption that you have an ad blocker and that's why you didn't see it.)

I am not planning to abandon the homeless survival guide, but the TLDR is that I am more interested in promoting solutions that reduce homelessness than in helping people after their lives fall apart.

Gender and home situation are two things not conveyed over the internet; I don't think this stigma is legitimately a risk. The fact is you're propagating that information, which is a choice.

Given that I am the highest ranked woman on Hacker News, I think you are clearly in error. Historically, women have not been warmly welcomed here and not taken as seriously as the men. And if you can't admit your gender for fear of discrimination, that closes doors in terms of business. The men are never advised to hide their gender. Yet people seem to think that's an actual solution for a woman. I can't fathom how on earth anyone can say that and not realize they are just reinforcing sexism in an extreme and horrible manner.

Also, it seriously doesn't work to tell me "there is no stigma -- all you have to do is hide those facts about yourself." If there is no stigma, why on earth would I need to hide them? Or to blame me for admitting that I am female and homeless. Hiding information about yourself is another burden to communicating and can complicate the hell out of attempts to accomplish anything when you need to work around certain things but are compelled to not mention them for fear of stigma.

Your response has given me greater perspective to your situation, bless your heart.

> bless your heart

Did you mean this in good faith? Where I was raised throwing that in is fairly insulting.

Not the poster, but I didn't notice this until you replied.

Being from the South, I've heard this in both the straight version and the condescending version. As you point out, without sufficient context, it's bodylanguage-ambiguous.

Thanks for clarifying and congratulations on paying off your student loan!

If I may offer one piece of advice that worked well for me when I was starting out in freelancing: "On the internet nobody knows you're a dog". You don't have to tell people that you're homeless, if you think that diminishes your chances of getting a freelance gig.

In my experience, for a lot of things that would harm my chances at getting gigs, people never asked. So I didn't say anything myself either. They often come up in the course of normal conversation later once you already have a relationship with the client, but by then they no longer care.

https://en.wikipedia.org/wiki/On_the_Internet,_nobody_knows_...

https://news.ycombinator.com/item?id=14590353

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