Originally Posted by That Is Nice
Wow, even for an older house that is amazingly inexpensive.
I pay more than that for just real estate taxes.
Like I said in a previous post, the good Lord has provided.
1400 square feet, built in the 70's, nobody wanted to touch it because of the fact that it had no flooring and no central heat/air. I purchased for under $100K, and have a 5% interest rate, no money down. (Houses at that price were on the market for DAYS a couple of months ago. This one sat for two weeks, they brought the price down, two weeks more and I got them to lower the price a little bit more and pay closing costs, and I bought it.) I have ugly linoleum in the kitchen and bathrooms, I had to immediately replace one toilet, get flooring down, and the water heater is from the 80's, and I'm expecting it to go any day now. But it's a roof over our heads, and that's what matters to me.
Apartments in my area go for about the same price, for a 2br, no garage, no yard, etc., but they do have HVAC. I also have pets, and finding an apartment that would allow the pets and cost less than $700/month was next to impossible.
|I did very well in my 20s and now face these issues only because I became a mother and have a todder in day care. If I'd had this level of marital issues in my 20s when I had a full time job, good income, and no children, I could have left my husband and not batted an eye.
AMEN. I had a career in my early 20's. I married into the military, we moved twice, I got pregnant. We had some marital issues when I was pregnant with #1, I should have left then, but facing single motherhood is SCARY. We got back together, I got pregnant with #2, and most of you from the single parenting board know how this story ends.
I had $30,000 in savings that went to legal fees due to what happened next (and I'm not even divorced yet, because I can't afford the cost to have him served the papers in another state!!) I spent a LOT of time earlier this year feeling hopeless. Somehow, it's all working out. It WILL work out. But it's definitely hard, I admit that I am envious of the people who can just go out to eat and not think twice about it, or put their kids in gymnastics or dance classes and not think twice about it. I used to be able to do that. I've come to accept that I can't anymore. It's one thing if you are in a two-income household. It's a whole other ballgame for those of us who aren't.
|I keep hearing on MDC to think about assistance programs for child care, housing, food and there is a chorus of voices saying this. It makes sense to me, but when I look at the programs available, the income brackets - just like you said - don't really allow for work! And I can't make it work without a job. I really, really can't.
Here's what's really funny about being on TANF, at least in my state. You have to be working to qualify for it. I own two online businesses that I run from my home, and I work 10 hours a week outside the house. If in any given month they don't add up to minimum wage for 30 hours a week, and/or I can't prove that I spent the other X hours looking for gainful employment, I'm kicked off TANF for not working. (Thus, we never qualify for TANF.)
BUT, if I go get a job (with a degree, like I said, I'm looking at $28K-ish in my area), I no longer qualify for the subsidy (which doesn't completely pay for childcare...and depending on which daycare you use, it could mean the difference between $20/week and $80/week PER CHILD).
And I have no clue how the people who are working full-time and qualify for WIC ever make it to their appointments. I work two days a week, they don't have WIC on one of my off days, and then it's first come first serve for the following day's appointments. No night hours. At the very least, the food stamp office does phone appointments now, so there isn't the hassle of trucking everyone downtown to wait four hours (which is what I had to do the first time I applied.)
Section 8, in my area, does housing vouchers. They ran out of money and the waitlist is 2 years long. No help there. It's very disheartening. Technically, the assistance is there. Once you start digging, well, it's not as easy as it seems to get it.