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Living on $12,000 a year - Page 2

post #21 of 31

I make just a tad bit more than that....

Not much though

I lost my house because I couldn't sell it or afford the bills that went with it..I have to rent..But everyone can't assume that she would be eligible for outside assistance..I bring home (after taxes,insurance and child care)exactly 378 dollers every two weeks..I have tried to get assistance in food stamps and child care...I make to much...That is 756 dollers a month to live on and when your rent is 425 that doesn't leave much..Add in your car insurance,phone(bare line...29.00) and electric bill...Nothing else..Doesn't leave much for groceries,gas ect...But they say I still make too much...

Sucks...

But definitly try and see what kind of assistance you can get because every state is different..I just happen to live in the state of Kentucky..They don't help anyone much....I hope everything gets better for you sister....Hugs...
post #22 of 31
I don't think I could do it. I think I would take care of other children for extra money. Also is there any way to charge more for your Midwifery skils or offer your Doula service,childbirth classes,or massage?
Our food bill is around 8,000 a year for a family of 5 so I would not even know were to help you save.
post #23 of 31
: for you
post #24 of 31
Don't sell that house yet. Go find out whether you qualify for the Treasury's homeowner affordability plan -- you might be able to get a big chunk shaved off your loan.
post #25 of 31
Quote:
Originally Posted by Mylie View Post
...phone(bare line...29.00) ...
This just jumped out at me b/c my sister just canceled her land line due to cost. She pays $5 a month to the phone company and that allows her about 2 hours of talk time. Really the point of that plan is just to be able to call 911 in an emergency.

DH and I use a pay-as-you-go cell phone b/c we're not big cell users. It's $20 every three months and again, it doesn't get you much in the way of talk time, but it's enough to be able to check in with friends and family briefly.

If you do both of these things, you can save another $4 a month, which isn't much, but it's enough to get a treat now and then or to add to the grocery bill. If your credit is good enough that you have a credit card (even if you don't use it), you can save another $5 on the cell phone by letting them charge you automatically every 3 months. This is what we do, so we pay $5 a month for our cell phone.

It isn't big savings, but every bit helps when your budget is this tight.
post #26 of 31
Thread Starter 

Living on $12,000 a year

Thank you everybody for the replies, you are all wonderful !! I guess I didn't realize that most of the mamas here are in the US and I failed to mention that I am in Canada. I am in the process of checking on which, if any, government programs I may be eligible for, I have already been told that I am not eligible for any low income housing assistance programs or repair programs as you need to be a homeowner for a minimum of five years to qualify. We do not have WIC, foodstamps or a lot of the other programs that were recommended, but we do have free healthcare, thank goodness! I am already at my maximum client intake each month and I cannot take on a part time job as the amount of money I would make would only cover my childcare. I have started knitting hats, diaper covers, longies etc.... to start to sell to try to bring in some extra money as it is something I can do without having to find childcare.

I will be ordering some organic seeds online to start a food garden once the weather permits. I'm just trusting that the Universe will provide, it always has.

MoonMama
post #27 of 31
Maybe you could offer "baby bundles" of knitted items for sale to your clients?

Kind of an "upsell"?
post #28 of 31
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post #29 of 31
Quote:
Originally Posted by MoonMama78 View Post
Thank you everybody for the replies, you are all wonderful !! I guess I didn't realize that most of the mamas here are in the US and I failed to mention that I am in Canada. I am in the process of checking on which, if any, government programs I may be eligible for, I have already been told that I am not eligible for any low income housing assistance programs or repair programs as you need to be a homeowner for a minimum of five years to qualify. We do not have WIC, foodstamps or a lot of the other programs that were recommended, but we do have free healthcare, thank goodness! I am already at my maximum client intake each month and I cannot take on a part time job as the amount of money I would make would only cover my childcare. I have started knitting hats, diaper covers, longies etc.... to start to sell to try to bring in some extra money as it is something I can do without having to find childcare.

I will be ordering some organic seeds online to start a food garden once the weather permits. I'm just trusting that the Universe will provide, it always has.

MoonMama
Have you calculated your CCTBs? Start here if you haven't. With that income you should get a significant amount which should make life much easier. You'll also qualify for the GST tax rebates. I plugged in some conservative numbers based on what you listed here.

Do you live in an area with co-op housing? We have plenty near us geared to income where you can pay as little as 30% of gross income - or $300 a month in your case for a townhouse. You would have to pay utilities I believe but if you are careful you should be able to keep your housing and utility costs under $500 total in that case. There is usually a waiting list so start investigating now.

Look into food pantries, food banks and programs like the Good Food Boxes for food support. Public Health networks may have community kitchen programs where you can cook in bulk and split with others for a fee but it is often subsidized. Your school may have breakfast programs for kids, depending on where you live.

At that rate you should be eligible for free dental and drug programs for the kids. Kids Can Play, the Y, and many city run rec programs have significant fee subsidies.

I think it would be tight but doable if you can reduce your housing costs.
If you can't sell can you take in a boarder or convert the basement to an apartment? If you live anywhere near a university or college you could get more than 1/2 your mortgage covered that way.

You might check out free access to accountants to see if someone can help you walk through whether selling your house is your best option. Community services, public health, the local library might be good places to start.

Good luck!
hth
Karen
post #30 of 31
If you could have a roommate it might help a lot to cover the cost of your housing.

You didn't give many other details of what you spend now so it is hard to say where you can cut back.
post #31 of 31
Are you an RN with a masters to be a practicing midwife? If you are, I'd get a job working for a clinic. I know you love doing homebirths, and god bless you for it, but if I were you (and I know I'm not), I'd get a 9-4 job in an obgyn's office or birthing center and offer waterbirth, hypnobirth, etc. It's not at home, but it would allow you a standard of living above the poverty line.
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