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September ~~Low Income Thread~~ - Page 11

post #201 of 397
It was late when I finished reading ALL of the responses in this thread...and I just want to say I feel so much better that I'm not alone. I feel like such a freak living paycheck to paycheck.

I have a Master's and I make $35,000. I just received my Masters in May...so I won't beat myself up too much...but I'm afraid to even look for a job in this economy. I applied to well over 100+ jobs last year after my WLS, and only one place called me back...the place I'm currently working at. So I took the job immediately.

I have so much student loan debt, my mortgage, association fees (which I always fall months behind on), utilities, etc. I've cut my cable down to the bare minimum that I can, I've cut all extra services from my cell phone and even got them to take me from the $39.99 plan to $19.99. I've been shopping at Dollar Tree for my necessities now (sometimes food since I have a limited diet due to WLS) and I pay my tithes...I also owe the IRS since our lovely tax preparer is wanted by the FBI. She jacked up all of her clients and they owe for 2-3 years. My other bills are medical which right now I'm not paying and I know it's hurting my credit, but there is nothing I can do about that. I will pay them when I can.

But I want to get things under control before I start ttc in the beginning of the year. I know I can make it on my salary, but without savings I'm screwed. You would think getting an advance degree would help you...but I guess my degree in Religion/Church Ministries from a Seminary/Religious university is only good for teaching, pastoring, and being a chaplain (which I'm seriously thinking about doing).

This thread gave me such encouragement that I just wanted to jump in and thank you all for being so strong....and making me realize that I am not alone and that no matter how little or how much I make, I will always struggle in the future...but with careful planning I can make my dream come true to be a mother.
post #202 of 397
Quote:
Originally Posted by Krystal323 View Post

My mother: She's crazy, but really wonderful too. I went to visit her today, and she told me that I looked like a homeless person, because I have outgrown every pair of maternity pants I own, and I am currently squeezed into a pair of stretchy yoga pants folded waay down, and a non-maternity tank top that happens to reveal my bra straps and a sliver of bulging belly to the world : Top that outfit off with my one pair of filthy, peeling-apart pink flipflops, and I guess I do look pretty lousy So she wrote me a $200 check and told me, half-jokingly, that she didn't want to see me again until I had a new pair of shoes and maternity pants that cover my belly! I do love my mom, heh.
What size are you? I have a ton of maternity clothes I am going to start selling.. really nice stuff too (Xmas money and gift cards got me lots). Mine are S/Med (some large).
post #203 of 397
Pumpkin Pie -

You just hang in there. I'm sure the universe will send something better your way. I understand about wanting to be appreciated for the work you're capable of.
post #204 of 397
I'm sorry, Pumpkin Pie, I guess facetiousness doesn't come across well in writing.

FTR, I think it is a totally reasonable, fair expectation to be able to find employment that supports two people at a reasonable level.
post #205 of 397
Hi everyone!
I had a very eventful afternoon. I had to work today from 8a-4p (I don't usually work on Sundays) and when I got home...
I popped my passenger front tire! :roll
Lucky for me, the dad of DD2's friend is a mechanic so he helped me change it, except...
my spare was flat!
He put the spare on for me anyway and pumped it up a little so I could go to the gas station and fill it completely up.
What an eventful afternoon (help)
post #206 of 397
*sigh* I didn't even get a call from the $8.50 an hour bagel place today. He said he was going to be calling today to make job offers, and no call. Not that I was going to take it for that little, but I was going to at least ask if he would consider a higher offer.

I am applying for a job right now online for Americorp. It is in the next town over, but is full time, which I don't really want, but with Americorp wages, they don't count toward Section 8 housing, Reach Up cash assistance or Food Stamps, so I would still be getting the help I am getting now, plus about $8.25 an hour, so it would work out to more like $13-$15 (haven't exactly done the math yet). That would be pretty fabulous. Also, the job is with a social service agency here, so it would look great on my resume. I am not holding my breath that I will get it, but I am having a woman who worked for Americorp write me a reference letter, plus a good friend who has fabulous writing skills. Hopefully they will help me snag it! I would be stretched pretty thin with going to school at the same time, but I would definitely find a way to make it work.

Off to pound the pavement again tomorrow.
post #207 of 397
Sorry everyone that I haven't been around this thread much offering support. I try to avoid too much talk about money these days since it's my major stressor.

So dh and I had a talk tonight. We think it's finally time. Something we never wanted to have to do or imagined doing. Something my pride is having a hard time with... but, I realize pride is nothing to base ones life decisions on.

Tomorrow we'll be contacting a lawyer to make an appointment to discuss our options with filing for bankruptsy. We'd spoken to a lawyer about it 7 or 8 months ago but, wanted to try to see things through a bit longer and hold out for a chance at better pay or a new job opportunity.

We've managed to pull money out of our backsides for quite some time now and I think our options have finally run out. If we do end up filing, which it looks like we will, we'll file the option that allows us to continue paying our mortgage and dhs car payment so we can keep those. My car is paid off and not worth enough that a creditor will want it to recover unpaid balances. So, really, the only things we'd NEED good credit for is a home or relaible car. Dh and I both have reliable cars and our mortgage is at a very good rate and our home is plenty big enough and well built. So, technically there isn't anything we should need credit for, for awhile. If we had a large enough medical emergency that we would need to use credit... we'd have bigger problems than having a bad credit score.

well, I guess this is one way to force one's self to go to a cash only basis right?

deep breath

I never in a million years thought I would be in this position at age 25.

in other news. dh is leaving his current work location for a perhaps better opportunity in one of the company's other locations. The drive is longer but hopefully that will be offset by better work environment and chance for higher pay. Still %100 commission though. Always scary. Dh is going on an interview for another job tomorrow morning. Not expecting it to pay what we need but, maybe something good will come out of it. Assuming dh is staying at his current employer, he'll be moving to the other location on wednesday. He is taking a weekend this week. He'll be working 12 days straight.
post #208 of 397
FondestBianca. Hope everything works out for you.
I owe, I owe it's off to work I go (again )
post #209 of 397
Thread Starter 
Msdizzydelores,

You are in the perfect position to take a chaplain job at a place I love very much. Search Kodaikanal International School, in Kodaikanal, Tamil Nadu, India. This is a hillstation in a very unique place in India. If they hire you, they pay for your airline tickets (and moving) to India, help you do your taxes for the US (and India), many many other extras, besides the fact that you will be living in one of the most awesome places in India, working with hard working students who live there, and devoted teachers and staff. Most people love Kodai (Kodee) who work and live there.

I visited there for 1 month immediately after I adopted my son from India back in 1997, stayed with friends, and just fell in love with the locale.

If you have love of travel, this would be perfect. They fly you home ever 2 years, then fly you back (if you have signed a contract with them). I know a few people who stayed there 20 years or more, then retired back home in America (and then worked for a church).

I'm not a Christian, but if I were, I'd want to work at this school.
Let's see if I can find the website...http://www.kis.in/
Anytime it shows they don't have a job you are looking for, apply anyway. That's what I heard.

This is just an FYI. : )
post #210 of 397
Fondest Bianca

I'm sorry to hear of your troubles. It does sound like BK is probably the best option for you.

Jynotsa, that sounds awesome. Makes me wanna be a chaplain.
post #211 of 397
: Wah Hoo! : I was offered the bagel job at $9.50 an hour!! Still not a realistic livable wage, but very close to the $10 I was hoping for. I am going in to work a shift on Wednesday and the manager wants to talk to me at the end of the day to see what I think. He said I don't have to accept the job until after I work the one day (which I will be paid for), so that is nice. I am pretty sure I will take it and still continue to look for something more in the social services field. It will definitely be nice to make a bit of money for now though!
post #212 of 397
Quote:
Originally Posted by Pumpkin_Pie View Post
: Wah Hoo! : I was offered the bagel job at $9.50 an hour!! Still not a realistic livable wage, but very close to the $10 I was hoping for. I am going in to work a shift on Wednesday and the manager wants to talk to me at the end of the day to see what I think. He said I don't have to accept the job until after I work the one day (which I will be paid for), so that is nice. I am pretty sure I will take it and still continue to look for something more in the social services field. It will definitely be nice to make a bit of money for now though!
That's great news!!! I agree that you should take it, and be able to keep looking for something that will pay you better/in your field. And it sounds like your manager will be a reasonable person, which is always a plus. :
post #213 of 397
Quote:
Originally Posted by Pumpkin_Pie View Post
: Wah Hoo! : I was offered the bagel job at $9.50 an hour!! Still not a realistic livable wage, but very close to the $10 I was hoping for. I am going in to work a shift on Wednesday and the manager wants to talk to me at the end of the day to see what I think. He said I don't have to accept the job until after I work the one day (which I will be paid for), so that is nice. I am pretty sure I will take it and still continue to look for something more in the social services field. It will definitely be nice to make a bit of money for now though!
yay congrats!! I agree the manager sounds very reasonable. Around here you wouldn't find that at all. Places suck around here tho
post #214 of 397
Let me just say life blows right now./ I planned to send check with DH to pay the light bill today because today it gets shut off at 5pm if not paid. He forgot the check so came home to get us so we could go pay it. Get in the car and it won't crank. We have no clue what's wrong and my parents weren't home,no friends,noone to take us to pay the stupid bill. Finally, DH ended up finding a key to my dads truck and taking it to pay the bill and I am praying my dad doesn't get mad we took his truck without asking. Nothing else we could do. I am not sure how we are going to get the car fixed we have .29 to our name.We live WAY our from town around 20 minutes. We live about 10-15 from hubbys work and hoping his friend can pick him up for the rest of the week. I have no clue what to do and sadly at this point I don't even care.Hubby said hes going to call a family friend and see if he will loan us enough money to get the car fixed and get gas. He has before and we only have to pay it back 50 a month but gah I hate this. I am just praying he will say he will help us.
post #215 of 397
Emily, I am so sorry things are so bad right now. I am betting that if you explain why you borrowed the truck, and as long as it came back safe and sound, then he should be able to understand. I am glad that you electric is going to stay on though!

I have definitely been that close to the bone before. Things were so tight at one point that I was supposed to go looking at paint colors and gathering paint chips to paint the nursery at my church where I work on weekends and I couldn't even afford the gas to go to the paint store. I felt terrible, because I am paid a salary position (not much, but still, it is expected that I will do these things) and I couldn't/didn't do my job.

Has your husband called his friend yet about the rides to work, or the loan for the car? Living so far away and being without transportation is so insanely hard. I live right on the very edge of town, and it would literally take me 2-3 hours of walking to get DS to his preschool and me to my job, or it would take about 1.5 hours by bus. Either way, not doable at all. I need my car, and it really is on its last legs.

Sending you lots of virtual hugs and thoughts that it will all work out somehow mama. :
post #216 of 397
Quote:
Originally Posted by Pumpkin_Pie View Post
Emily, I am so sorry things are so bad right now. I am betting that if you explain why you borrowed the truck, and as long as it came back safe and sound, then he should be able to understand. I am glad that you electric is going to stay on though!

I have definitely been that close to the bone before. Things were so tight at one point that I was supposed to go looking at paint colors and gathering paint chips to paint the nursery at my church where I work on weekends and I couldn't even afford the gas to go to the paint store. I felt terrible, because I am paid a salary position (not much, but still, it is expected that I will do these things) and I couldn't/didn't do my job.

Has your husband called his friend yet about the rides to work, or the loan for the car? Living so far away and being without transportation is so insanely hard. I live right on the very edge of town, and it would literally take me 2-3 hours of walking to get DS to his preschool and me to my job, or it would take about 1.5 hours by bus. Either way, not doable at all. I need my car, and it really is on its last legs.

Sending you lots of virtual hugs and thoughts that it will all work out somehow mama. :

YAY!: My husband called the friend to loan the 100.00 to get a battery and he told him to come get the money. He went got the battery and we are praying that it works.He is outside in the dark right now hooking it up so please send vibes that it works. :
post #217 of 397
thank you to everyone who offered good thoughts, prayers, wishful thinking, and hugs.... IT WORKED!

I'M IN SHOCK! Total shock right now. These things always happen at the last possible second. The previous time we went to speak to an lawyer about filing bankruptsy we got a completely random phone call later that night from a mortgage lender (not our lender we had at the time) offering us a streamline refi at a lower interest rate that would also allow us not to have to make another payment until 2 months later. That was the sole reason we didn't have to file last time. The refi allowed us to pay off a high balance credit card and catch up on everything during the 2 months we didn't have to make a payment. The call we got was totally random and was right after our lender at the time had told us we couldn't do a refi (the new streamline had just come out and they weren't aware of it.. and neither were we!).

So, as I said in my earlier post, dh and I discussed last night the fact that it was probably time to go ahead and file for a chapter 7. We put off the mortgage 3 weeks this month and aren't sure how we'd be able to pay it again (plus the rest of the bills) on the 5th of next month. We had to do something before we allowed a mortgage payment to go over 30 days. So today dh had a job interview (which turned out to be a scam) and went in to work to try to make some sales. One of his customers needed repairs made prior to buying a car and dh manager told him to take the car to the shop. The shop they usually use across the street was backed up so he was sent into the nearby city to another shop location (this never happens). While he was waiting he decide to go visit his old co-workers from the job he left over a year and a half ago that just happens to be a couple blocks away from this shop. He is close with quite a few of them and really liked working there but, pay cuts were made at the time and there weren't any higher positions open so he had to quit before our bills went unpaid.

So, he showed up only to find out that someone had just (as in minutes before) put in their 2 week notice. The manager spotted dh there and asked him to come into the office. He told dh that the spot was open (the higher spot dh had always wanted back when he worked there) and it was his if he wanted it. So tomorrow dh goes back to pee in a cup and the job is his as of next monday! The pay has changed since dh was there and ownership has changed as well but everyone in the department dh will be in says that the pay changes work out much better and everyone is happier with how things are run. Dh will now be a full equal to the other 2 guys in the department and both of them are happy to have dh join them.

It's still commission pay but, dh's equals (who have worked for the company for over 15 years each) say that he will be very happy with the pay. Back when dh worker there and was privy to what those other 2 guys made it was quite a comfortable pay... much more than we've ever made before.

So I'm hopeful! It's come at the very last minute but I am oh so thankful for it! I'm also so very happy that I was able to apply for food stamps and that emergency medical program before dh's pay goes back up again. Just when I thought everything was all happening at the wrong time... turns out it was the opposite!!

I really hope some of this luck, blessing, whatever you want to call it, rubs off on everyone else in this thread!!
post #218 of 397
YAY FB, I have tears welling up I am so excited for your stroke of luck!

PP, YAY about the job offer, and at a dollar more to boot!

Emily, YAY about the $100 loan, and : that the battery works

:
post #219 of 397
Thread Starter 
Emily,

I really hope your car starts. There is nothing worse than going outside to start your car, and it doesn't. It has happened to me before, and each time the battery has died.

Bianca, I'm thrilled for your husband, and that you will be able to keep your home. I know this is a wonderful thing, and it must help you feel safe again.

Pumpkin Pie - good luck with the bagel house job. I'm really happy for you!
post #220 of 397
Great news in our thread today!!! :
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