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September ~~Low Income Thread~~ - Page 12

post #221 of 397
YAY for all the good news! I am happy to hear/read it!
post #222 of 397
Wow! Lots of good news today! Blame in on the cooler weather, everyone is in a better mood I had a pretty good day today too Due to all this weight gain I only have 2 shirts that sorta fit, there way to big but at least I can get them on. I hit the thrift shops today looking for a food processor and while I didn't find one I did score 7 shirts for me for .50 cents each and there in really condition and they look good on me plus I scored 5 winter shirts for older dd for $3.50 total and a pair of nice warm PJ's for my 3 yr old for $1 I had one other score and it was major A brand new touch screen adapter for $1 so we can literally just touch the monitor instead of using the mouse which means my dd who can't use a mouse can finally use a computer! She has been wanting to play the pre school games and stuff but I have to use the mouse while she touches the screen because she lacks the fine motor control to use a mouse (mild CP). I just got it set up and tomorrow she is going to be over the moon excited to be able to play games without needing to wait for mommy to have the time
post #223 of 397
yea!!!!!!! everyone!!!!!!! : (nak or i' write more )
post #224 of 397
Today is FS day.. yay!!! Usually, I budget really well for our $200 allotment, but this last month I didn't do so well... mostly because DH works out of town (for only 2 more weeks), and so I spent a bunch of it on easy-to-eat and packaged food for him.

Today I am hopefully trading some of our homegrown figs (we probably have one of the only fig trees in Northern Utah!) for some homebrewed cherry wheat beer too
post #225 of 397
Quote:
Originally Posted by LizzyQ View Post
Today is FS day.. yay!!! Usually, I budget really well for our $200 allotment, but this last month I didn't do so well... mostly because DH works out of town (for only 2 more weeks), and so I spent a bunch of it on easy-to-eat and packaged food for him.

Today I am hopefully trading some of our homegrown figs (we probably have one of the only fig trees in Northern Utah!) for some homebrewed cherry wheat beer too
Don't feel bad, I've done the same thing the past 2 months for some stupid reason and I hate ending up only having like $20 to last the entire month to get what ever else we need. We don't go hungry but it would be nice to have fresh fruit and veggies all month long ya know? With the holidays coming I'll be better about it though since I know the really good sales are coming and I need to save the FS for those to restock the pantry to use though out the year.
post #226 of 397
Wow! So much great news. Congrats to everyone!

So this evening my Mom & I are going shopping for DD1's 5th b-day. The party is this Saturday & her actual b-day is next Wednesday. How the heck did she get to be 5 already??? Anyway, this is exciting because my Mom actually let's me pick what the girls need and/or want. No junk that has to be returned or doesn't fit correctly after. No duplicate gifts. Most exciting of all? She's getting the girls their gear for dance class this year & new shoes for fall/winter. Is it lame that I'm SOOOO excited about new shoes?

DH had $100 budgeted for gifts & party stuff. She's getting (used) rollerblades, a hackey sack, and a basket for her bike. We did really good at the $1 store & some clearance stuff at Micheal's for party decorations and goody bags. I still have enough left to get all the meat we need for the BBQ. The rest of the party food I should be able to take from our pantry or out of my regular grocery budget.
post #227 of 397
so the battery worked for the car yay! On the other hand I am really freaking upset at the bank. My husband used his debit card last week Wed. I believe for 7.18. He got paid Thursday and it showed the 7.18 came out so I withdrew his full check to pay bills. I look today and we are -42.xx because the 7.18 somehow bounced. HOW is that possible? It showed it was out from my total on Thursday and now its pissed me off. Our bank has charged us 300.00 in negative fees this month ALONE for them taking something out,clearing it,putting it in and retaking out and frankly I am sick of it!!! Husband is on the way to the bank right now to see if they will take the 36.00 charge off and let him deposit the money that was negative but DAMN! Give us a break.That was our last 12.00 to our name and now he has to deposit it for some bullcrap! My daughter did get some movies for her birthday she can't watch and some clothes that don't fit I need to take back to walmart so that will be 20 or so dollars.My husband is working a side job but its for the guy who loaned us the money for the battery. He should get paid 60.00 but he might just tell him to keep to money and take from what we owe.I just don't know anymore. My husband is ill today and said if the bank doesn't take the charges off hes closing the bank account and threatening to move his retirement fund,life insurance,and car loan to another bank. I am still selling the britax carseat I have that is almost new and honestly I am selling it for 100.00 because I need it to sell like NOW. Please send ::
post #228 of 397
Quote:
Originally Posted by janerose View Post
Wow! So much great news. Congrats to everyone!

So this evening my Mom & I are going shopping for DD1's 5th b-day. The party is this Saturday & her actual b-day is next Wednesday. How the heck did she get to be 5 already??? Anyway, this is exciting because my Mom actually let's me pick what the girls need and/or want. No junk that has to be returned or doesn't fit correctly after. No duplicate gifts. Most exciting of all? She's getting the girls their gear for dance class this year & new shoes for fall/winter. Is it lame that I'm SOOOO excited about new shoes?

DH had $100 budgeted for gifts & party stuff. She's getting (used) rollerblades, a hackey sack, and a basket for her bike. We did really good at the $1 store & some clearance stuff at Micheal's for party decorations and goody bags. I still have enough left to get all the meat we need for the BBQ. The rest of the party food I should be able to take from our pantry or out of my regular grocery budget.
: to your daughter. My daughter just turned 4 on 9/10 YAY! for your mom letting you pick the stuff out I wish my parents would do that.
post #229 of 397
Hello all! Can I join you? We have been struggeling for the last 2 years as Dh's commissions dissapeared, then last month he got laid off all together. So we are now living on his unemployment which is not enough to make the house payment. I had an appointment today for food stamps & we have to go back tomorrow, but it looks like we are going to be approved. I will be so relieved to know we will atleast have food. We were in the process of trying to modify our mortgage, but that isn't going to work now that our income is even lower, so we are likely to lose our house. We are also looking at filing bankruptcy on our credit cards & turning our car in soon. Such a scary place to be in right now. Strange as it sounds it will be a relief to not have these things anymore...the process of getting to that point is another story.
post #230 of 397
UGh.. I only have medicaid for 2 more weeks and I really need to see a dentist to get some fillings (luckily most of them have been taken care of, but I had a lot of cavities ).. but every clinic I called either doesn't take medicaid, or they have a 2 month wait
post #231 of 397
Hi Cheryl! Welcome I hope you can work out something w/the bank and not lose your house Doesn't unemployment max at 25% of what your previous pay was??

Emily, good luck on dealing w/the bank. I am in the process of switching accts, b/c my old bank won't even cash checks for me anymore, and not only would they charge me a fee for any overdrafts, they wouldn't even pay them! The last straw was being a couple bucks short to cover my cc payment, month before last. The bank didn't pay it, but they did charge me a $25 fee for them attempting to take the $ out. Of course I didn't find out what the $25 was for until after the cc payment was late, thereby earning me a $39 late fee on my card on top of the $35 returned payment fee that they charged. Then, as a result of those two fees, I went overlimit, so I got a $39 fee for that too. I can't wait to get outta debt. : The only reason I HAVE debt is from paying the electric bills and groceries during the months when neither of us could find work. GRR.

But I digress. I SCORED on eBay the other day--got an almost-new pair of Earth shoes for $18!! : This is beyond awesome, cause I've worn the same shoes for over 3 years now, and flipflops thru winter isn't fun, even in a mild TX winter.

I think I'm gonna have to cut my work hours back starting next week tho. DH has been doing worse, and I don't think he can handle being with the kids all day alone for awhile. Ah well, maybe the cut hours will mean I get foodstamps after all--apparently we "make too much" for f/s--??? I barely clear $1000 a month, so I don't get it. Haven't had the energy to go down there and argue about it yet tho...
post #232 of 397
I hate banks. I 'bank' at credit unions and I have for several years now. I also keep $50 in a savings attached to my checking account for 'just in case' but that doesn't stay at $50 since my husband frequently transfers that money to the checking or some of it is used to cover overcharges. No fees involved for using that money, either.

ETA: Banks are just in it for the money, their profit. Credit unions are non-profit.
post #233 of 397
Quote:
Originally Posted by ~Purity♥Lake~ View Post
I hate banks. I 'bank' at credit unions and I have for several years now. I also keep $50 in a savings attached to my checking account for 'just in case' but that doesn't stay at $50 since my husband frequently transfers that money to the checking or some of it is used to cover overcharges. No fees involved for using that money, either.

ETA: Banks are just in it for the money, their profit. Credit unions are non-profit.
Credit unions won't accept me because i have bad credit (2 recent short sale on our credit) :
post #234 of 397
Quote:
Originally Posted by LizzyQ View Post
Credit unions won't accept me because i have bad credit (2 recent short sale on our credit) :
And here I thought credit unions were more lenient on bad credit than banks. My husband couldn't open a bank account anywhere because of his terrible credit. I had to add him to my credit union account after we got married, and I even waited a couple years until I was sure he wouldn't ruin my credit. Then waited another year before 'allowing' him to have his own debit card.
post #235 of 397
So the bank were complete asses like I knew they would be. Refused to take the fee off. Whatever. I don't even care. Hubby got his checks took off direct deposit so they won't be going into the bank anymore and I will just pay the fees,open a account somewhere else,cancel that account and be done.
post #236 of 397
Quote:
Originally Posted by janerose View Post
Wow! So much great news. Congrats to everyone!
I second that emotion :

I was visiting a dear friend who is currently living on $12,000 a year; a single mom with two kids. Basically, she does it by living a very minimalist lifestyle. The apartment she shares with her kids (5 and 8) is about the size of my kitchen and lvingroom. They sleep in the same bed , bartering for food and services, and (sigh) her ex-husband's health insurance for the kids.

More of us could live simple lives if our country provided health care. I know, off topic... I'll hush.
post #237 of 397
Quote:
Originally Posted by simplespirit View Post
I second that emotion :

I was visiting a dear friend who is currently living on $12,000 a year; a single mom with two kids. Basically, she does it by living a very minimalist lifestyle. The apartment she shares with her kids (5 and 8) is about the size of my kitchen and lvingroom. They sleep in the same bed , bartering for food and services, and (sigh) her ex-husband's health insurance for the kids.

More of us could live simple lives if our country provided health care. I know, off topic... I'll hush.
For that much income, they would surely be eligible for medicaid, which would mean that the country would be providing health care. Also, why would they barter for food? Surely they qualify for the maximum amount of food stamps with three people living on such a small income.
post #238 of 397
Thread Starter 
LizzyQ, why don't you send a small (2 cup) rice cooker with your hubby on trips, and some can's of soup? He could by rice where he is staying and make a nearly nutritious meal in his hotel room? I have a good friend who used to travel 3 weeks out of 4, and he would stop at Walmart ( I know!) to get salads, sandwhiches ect. I guess it would be the mega-style Walmart he shopped at. He eats meat, and one time bought a turkey leg and salad, and ate very well. All of his meals are $4 to $5 each. Also, if he travels, should he get a stipend for that?
post #239 of 397
Thread Starter 
AVery's Mama,

If you are incurring $300 in bank fees, I would take your banking into a savings account where you cannot over draw. Also, you may consider doing a bag account, where you keep all of your money in bags, with each bag having the bills name on it that you need to pay. This will work if you are literally living month to month, with no extra money. This will force you not to take chances over withdrawing when it is too close to the number.

If you do use a savings, then make sure you leave $20 in there for emergency gas or whatever, something you never ever spend unless you are in a tight spot.

When I first got divorced, I didn't have enough money to cover all my expenses, and incurred $150 in overdraft's, and moved to the savings account to avoid that. I would hate to be giving the bank free money, when you or your hubby worked for it. You know! You can do this temporarily, until you can start to control your money better, then try the checking again.

Good luck!
post #240 of 397
Thread Starter 

SSI and FS

Can anyone tell me what I should expect if SSI gets approved for my son? Will FS go down, and if so, how much?
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