Price Match Rituals and Receipt Audit Habits Among Budget-Conscious Shoppers
Marcus Ellenbogen9 min read
Thin Margin — Page 3
A publication on the lived economics of tight budgets — the trade-offs, workarounds, and structural barriers shaping financial life for lowe
Folk Finance · Access Gaps · Paycheck-to-Paycheck
12 entries · Thin Margin
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12 entries
Subscription Sharing and Account Pooling as Cost Reduction
Marcus Ellenbogen9 min read
How Employer-Sponsored Benefits Exclude Part-Time Workers
Conflicting federal definitions of full-time work let employers exclude part-timers from benefits.
Priya Shenoy10 min read
Digital Banking Access Gaps for Rural and Elderly Populations
Bank branch closures are pushing rural and elderly customers toward predatory alternatives.
Priya Shenoy9 min read
Insurance Redlining and Premium Disparities by ZIP Code
Priya Shenoy15 min read
Second Chance Checking Accounts and Their Real Limitations
Priya Shenoy10 min read
Why Mainstream Banks Screen Out Low-Income Applicants
Tomás Villanueva-Cruz8 min read
The Dollar Cost of Being Unbanked in America
Tomás Villanueva-Cruz7 min read
Fintech Apps That Require Credit Scores and Who They Leave Out
Millions of Americans can't access fintech credit because scoring models can't measure them.
Tomás Villanueva-Cruz9 min read
Wage Theft Among Low-Wage Workers and Its Compounding Effect
Missing wages trigger cascading costs that trap low-wage workers in deepening debt.
Tomás Villanueva-Cruz9 min read
Why Emergency Fund Advice Fails Below Median Income
Desiree Okafor9 min read
Bill Smoothing Strategies Used by Low-Income Households
Marcus Ellenbogen10 min read