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I think its time for a new low income/struggling mamas suppot thread!!!!!! - Page 2

post #21 of 285
Thread Starter 
K, so officially this is THE low income/struggling thread! I thinks it best to have just one. More support to go around!
post #22 of 285
Quote:
Originally Posted by natural_mama89 View Post
K, so officially this is THE low income/struggling thread! I thinks it best to have just one. More support to go around!
I thought the other thread was for mama's on public assistance.
post #23 of 285
I've definately been struggling since my divorce 4 years ago. The children were very young back then, but they are older, and that helps alot. When I have a doula client, my parents can care for my kids, since they are no longer in diapers, breastfeeding ect.

I have FS at this time, and that has been a great help. Before...we were just hardly making ends meet food wise. I don't have health insurance, although the kids do.

Each month we get our basic bills paid, and then we have nothing. Part of this has been because the kids dad was not paying the full child support, but hopefully I will be getting the entire amount, which will increase by $360, in a couple of days. My cell phone bill is due and I don't have the money, and won't have it till the child support comes in. Meanwhile, I am caring for the kids with the money that I make, and if it wasn't for that, I don't know where I would be. It is very sparse...clients are few and far between right now, and I am even considering lowering my doula fee's to attract more clients right now. Anyone know what I should do about that? I just want to be working, and making all the money that my family needs, so I don't need to be of FS at all.

Because I only have enough to cover my basic bills, I have let my massage therapy license go, and I can't afford to pay for it again, including the workshops I need to take, in order to get my license again. I am so embarrassed to say that here, and if I could get the money together for this, and all the workshops (CEU's) then I would be doing massages in combination with my doula work, as I had planned to do all along.

If I could save a little bit each month, I would be able to eventually get my massage therapy license straightened out...and what a difference that would make for me. Some of you may recommend the website that helps individuals get grants which would make it easier to start working again, but they don't approve me because my income is TOO low for even them!

And I took a national certification exam for massage therapy and I'm certified with the NCBTMB, but even that is going to run out, and if it does, I don't know if I will ever get back to my intended field. I'm so worried. There have been times where I considered selling my massage therapy equipment (table, sitting massage chair, and all my accessories to pay my rent. I am still holding on to this dream.

Anyway, I feel for every one of you, and hope you can get your financial life straightened out soon, and I hope that I can too. HUGS!!!
post #24 of 285
Jyotsna,

Do I by chance know you from the radical BF'ing list from a few years back?
post #25 of 285
Hi Satori, you may. What was your user name? It has def been a few years, as my girls are 9 now, and they weaned at age 4. Can't believe it's been 5 years since I've breastfeed. Seems like it was yesterday! But yes, I was on it and I tandem nursed my adopted daughters.
post #26 of 285
Thread Starter 
Quote:
Originally Posted by Satori View Post
I thought the other thread was for mama's on public assistance.
Nope, there is another low income one too. It has a link to this one posted.
post #27 of 285
Morning all
I'm depressed this morning. I got myself into a hole (again) this payperiod, and it means that there is going to be NO extra money till Aug 20th when I get paid again. I get paid every two weeks, and Thurs is payday, but due to my own stupidity, I'm currently in negative numbers on my checking account, and by the time I get it up to a zero balance and pay the rest of my rent, I will have (maybe) $15 dollars till August 20th. :
So much for getting uniforms for the two little kids or backpacks. Sigh.
I so hate being broke.
post #28 of 285
Quote:
Originally Posted by natural_mama89 View Post
Sunanthem about your ETSY shop. Do you have any suggestions of how to sell better because I have posted a few things and haven't had much luck. Do you know how much I would have to make on things like that before filing taxes on the income or how I could find that information. I really want to start making income on my craftiness.
As far as getting more biz goes, I find keeping up with your shop, listing once everyday or every other day, so you stay at the front pages is key . Also join some etsy teams for support and promotions, there is and etsy moms thread here as well. You can also blog, connect your shop to facebook, just get your name out there.. also have excellent feedback.. if you need more positive feedback, try doing some trades with other etsians to boost it up... there are so many things you can do. Etsy is full of ideas, and if you join a team they will be full of helpful info too. I *think* you have to make $600 a year off it before you have to file taxes.. but I would ask your tax person, b/c it could vary by state, or I might just not know.
post #29 of 285
Quote:
Originally Posted by cwat View Post
Morning all
I'm depressed this morning. I got myself into a hole (again) this payperiod, and it means that there is going to be NO extra money till Aug 20th when I get paid again. I get paid every two weeks, and Thurs is payday, but due to my own stupidity, I'm currently in negative numbers on my checking account, and by the time I get it up to a zero balance and pay the rest of my rent, I will have (maybe) $15 dollars till August 20th. :
So much for getting uniforms for the two little kids or backpacks. Sigh.
I so hate being broke.
cwat- I know how hard it is w/ checking accounts. I just lost mine b/c it went negative and they gave me overdraft fees up the wazoo and I couldnt afford to pay it off when I'm too busy surviving, that they closed it. Apparently being able to pay $25 at a time is not enough.. they wanted at least $200 or to pay the whole thing off.. HA! Uh, I cant I have to live! Then they ask if I could ask my friends or family for help! Oh you mean my MIL or SIL who ask ME for loans b/c they are struggling right now too?? Sure, I'll do that.

Anyway, I wanted to say if you have overdraft fees, sometimes you can call the bank and explain your income, etc. and they will wave them if you give them a good chunk of what you owe. Don't know if you could afford it, but it may knock off some fees for ya.
post #30 of 285
Thread Starter 

Thanks for the etsy info

I thought it was $600 too. I will try to post more often and link from my facebook and get nore feedback. My feedback is all positive, but I don't have much. If something is made of recycled materials, does that count as 100% profit? I need to make a point to go talk to someone about taxes and things.

Whoever said they do doula work, are you registered as a business? How do you advertise? Do you think people would be less likely to choose me as a doula because I am young (20)?
post #31 of 285
Woohoo!!! My hubby got a job today!!!!
post #32 of 285
Quote:
Originally Posted by sunanthem View Post
Woohoo!!! My hubby got a job today!!!!
Thats wonderful!
post #33 of 285
Thread Starter 
Quote:
Originally Posted by sunanthem View Post
Woohoo!!! My hubby got a job today!!!!
So glad to hear that!!!!!!!
post #34 of 285
congrats sunanthem!! :

so....do you guys think i should call up the person who would be my supervisor and ask for an interview/ask about the status of my app, etc? or should i let it ride? i'm reeely eager to get this job, but i dunno if that would be tacky or over-the-top....? it's a state job, and they give a number to call "if you have any Q's" but that just takes you to an automated thing that tells you your app has been submitted, the job is still open, etc. it's been open since mid-june--ACK i hope i get it!!

also....would you be worried about discrimination for being pregnant at an interview? i know it's illegal, but how would i prove that was the reason they didn't hire me?? : i'm pretty obviously pregnant and can't hide it i almost think i ought to bring my pocket voice recorder and record the whole thing....lol. (Of course this is all thinking ahead to when i DO get the interview--hehe!)

thanks guys.
post #35 of 285
Sunathem, thanks for that I will go talk to someone at the bank today about that (fingerscrossed)
Also, congrats that your hubby got a job
Only one more day till payday : Of course most of the money's already been spent, but yah anyway
Have a good day all, see you on Thursday morning
post #36 of 285
Thread Starter 
I really dont think it would hurt for you to call about the job. Sometimes bugging them enough is what shows you are really interested and you will be more likely to get it. I don't think there is anything you can do about the pregnancy discrimination factor. If they are going to do that, they will. I hope they do not, but like you said it would be hard to prove that that was the reason you didn't get hired. With no proof there would be no legal recourse.
post #37 of 285
Sigh...things seem so hard sometimes! Half the time it's our own fault and the other half is the darn economy. My husband works for a tractor shipping and assembly plant and the future looked pretty darn good, so we decided to try for our first child. She was due in Oct 08 and that is when my husband company started going down hill. He started working on ly 4 days a week, that lasted for 3 months. Then they laid off half of his plant and told the rest that the plant would be shutting down in a few months. So to make things better we took my 2 year old car back to the bank, that is something that is sooo hard to do! But even with all that was looming ahead we decided that we were going on vacation no matter what! What a mistake! I think our main problem is credit cards. We use them until they are at their limit, all of them, and then pay them off within 6 months or so, usually with our tax return. We've finally decided to get rid of the credit cards so we shredded them!!!YAY!!! Now we just have to pay them off, no problem right? Wrong. I stay home with our 9 month old so we only have one income. It would be no problem if we didn't have the credit card debt. So...my question is how to stop eating out so much? And how do you save on your grocery bill? And anybody have cheap meal ideas?
post #38 of 285
Sunathem, I talked to someone at the bank and she got rid of the $35 fee for me so I only owe them the $29. :
It is hot and humid here on the East Coast, we're supposed to get thunderstorms later I have all the fans in the house on, but it's still about 80 degrees in here, and I can't afford to run the a/c unit
Hope everyone is doing okay today
post #39 of 285
Thread Starter 
Quote:
Originally Posted by akh View Post
Sigh...things seem so hard sometimes! Half the time it's our own fault and the other half is the darn economy. My husband works for a tractor shipping and assembly plant and the future looked pretty darn good, so we decided to try for our first child. She was due in Oct 08 and that is when my husband company started going down hill. He started working on ly 4 days a week, that lasted for 3 months. Then they laid off half of his plant and told the rest that the plant would be shutting down in a few months. So to make things better we took my 2 year old car back to the bank, that is something that is sooo hard to do! But even with all that was looming ahead we decided that we were going on vacation no matter what! What a mistake! I think our main problem is credit cards. We use them until they are at their limit, all of them, and then pay them off within 6 months or so, usually with our tax return. We've finally decided to get rid of the credit cards so we shredded them!!!YAY!!! Now we just have to pay them off, no problem right? Wrong. I stay home with our 9 month old so we only have one income. It would be no problem if we didn't have the credit card debt. So...my question is how to stop eating out so much? And how do you save on your grocery bill? And anybody have cheap meal ideas?
The biggest way to save money on food is to eat less meat, and to cook from scratch as much as possible. I know tons of recipes. Have anything in mind? Yesterday I made Majadrah (lentils and rice with caramelized onions) and creamy cucumber salad with cucumbers from my garden.
post #40 of 285
Akh, I second what natural mama said. Less meat, making more stuff yourself, and LESS eating out (easier said, than done, I know )
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