September 2010 Low-Income Thread - Page 3

[surrogate]

Ianthe, i think her child is special needs and that is prob why medicaid pays

[bandgeek]

Originally Posted by Ianthe

Can you tell me more about this? DS1 is over three and not potty trained/learned yet.

surrogate is right, DD has CP and cannot use the toilet, so medicaid will pay for her diapers after age 3 (before that it's considered a "normal" expense so they don't cover it). Some states don't pay for them until 4 or 5, but if your child even just had delays (not necessarily a disability) they may pay with a script and a diagnosis.

[surrogate]

good morning

[skybluepink02]

Good morning. I have a quick question. I am going out to vital records to order my kids birth certificates so I can finish the documentation to get EBT. Are the birth certificates necessary, or can I use social security cards or crib cards.

[vannienicole]

My state requires birth certificates.

[confustication]

Financial stress makes everything else SO MUCH HARDER. I can be the same way- and I know that it's not who I am or want to be. There is a constant anxiety that comes with living in a constant financial crunch that is unlike anything else. It is beginning to let up for me for the first time in years, and I can see the difference in my reactions to everything around me.

I'm glad you didn't have to take him in!

[skybluepink02]

I am so excited! I found out I'll be getting $475 in food stamps per month. I honestly have no idea what I'll do with that kind of grocery money. I've been scrimping and saving to feed a family of four for around $200 a month. This more than doubles my budget. I might be able to feed my kids some organic food or milk! At the very least, we'll have lots of fresh fruits and veggies, which have been very lacking in our house lately.

What happens if you can't use all the money at the end of the month? Does it disappear? Roll over to the next month?

I'm practically giddy. If the kids weren't asleep in the next room, I'd squeal with glee!

[AllysonB]

You need yo use the money otherwise if you consistently have leftover at the end of the month they will cut back on how much you get. So use it for dry goods or something but use it!

[surrogate]

It will roll over Sky. I get almost $700 a month for 4 people!! We roll over 50-100 a month usually...don't ask me how I manage to spend 600 a month on food, cause I don't have a clue lol! And I shop from a list....

ETA
Allyson, I have gotten FS for 3 years and I roll over every month, they dont lessen your amt if you don't spend it, at least not in ga

[skybluepink02]

Awesome. I'm in GA too. I probably will spend a lot of it stocking up on basics that we've been doing without. Olive oil instead of corn oil!

[surrogate]

sky, where in ga? You can message it to me if you dont want to post. I am in south ga, it would be great if you were close! I had twins in march btw (as a surrogate, hence my name lol) at 32 weeks. They were 6lbs each! I also had pre-e, but I did get my vaginal delivery (i loved my dr)

[skybluepink02]

Messaged you. I hoped for a vaginal birth, but had very sudden onset pre-e and 220/112 B/P. I went from thinking everything was mostly fine and going to be on hospital bed rest for a couple more weeks, to a c-section within 1/2 an hour.

[confustication]

So, when extended family crises come up, what do you do to help financially? My mom got into an accident last night- nothing major, but it did a LOT of damage to her car. She had put my dad in charge of managing the insurance etc, and he did make sure he had insurance, but he didn't understand that comprehensive wasn't collision. (No no, don't ask your daughter who used to work in insurance about it.. ) Anyway- the damage is not covered, and they don't have the spare cash to fix it up.

I want to help more, but I just don't have tons of money lying around right now- we're working on rebuilding from extreme poverty ourselves. I did register an older vehicle we haven't been using and that's all taken care of and on the road now for them so they aren't car-less, but it's not in *great* condition. *sigh*

So, since I feel useless in terms of actually helping them, I'm making them dinner. It doesn't fix the problem, but at least maybe it will relieve some stress?

[thatgirliknew]

Ladies, if you didn't know, Blogmania 2010 is going on right now. I just found out about it today and was floored when I saw that over the next two days they are giving away over $40000 worth of stuff (everything from baby wraps and cloth diapers to original artwork and "adult" novels). I don't have the link on me right now, but it shouldn't be hard to find, just google Blogmania 2010. I hope I win something!

[surrogate]

thanks thatgirl! Gonna google it now!

I just ordered a free piece of stoneware from another website, just pay shipping ($8) i am gonna give it to my mom for xmas! If anyone wants the link message me for my referral, you get $15 (the stoneware is $15 so FREE, they also have wineglasses and stuff that would be free/very inexpensive)

Caught another mouse this morning *gag* but that is the first one in two days, so maybe this is the end of them...

[thatgirliknew]

Just got home and logged onto my bank account to find a legal hold. Called the bank and found out that since I can't make my $100/month payments on an old school bill that there is a levy on my account.

No freaking idea what to do now.

[zebra15]

Originally Posted by thatgirliknew

Just got home and logged onto my bank account to find a legal hold. Called the bank and found out that since I can't make my $100/month payments on an old school bill that there is a levy on my account.

No freaking idea what to do now.

There is probably a lien from the school/loan agency for the debt and they went and attached assets. You need to find out if you need to pay the full debt or just the past due amount before they release the lien. (what I remember from my banking days)

[thatgirliknew]

Originally Posted by zebra15

There is probably a lien from the school/loan agency for the debt and they went and attached assets. You need to find out if you need to pay the full debt or just the past due amount before they release the lien. (what I remember from my banking days)

I am going to call the state tomorrow and see what I can do...

Another question though... I have a lien on my car and now I won't be able to pay it on Friday like I am supposed to. If I call and say "the bank just attached my assets" can they revoke my lien and take my car (too risky for them)?

[surrogate]

Ok from what I know (I did credit repair for 7 years) they can't attach assets unless it goes through court. Did they try to sue you and you not show up? If so they likely got a default judgement and then just attached your bank acct, the judge signed and VIOLA they take your money. Depending on the state, they CAN take every penny you have, and keep taking any money you put in there until the debt is satisfied. Some states have laws saying how much they can take (%) of income. They cannot ever take any percent of money from a person not owing or from SSI payments, so if you bank acct is shared with a DP/DH/DW then you can prove their money is in there too (paychecks) and they cant touch that part

[thatgirliknew]

Originally Posted by surrogate

Ok from what I know (I did credit repair for 7 years) they can't attach assets unless it goes through court. Did they try to sue you and you not show up? If so they likely got a default judgement and then just attached your bank acct, the judge signed and VIOLA they take your money. Depending on the state, they CAN take every penny you have, and keep taking any money you put in there until the debt is satisfied. Some states have laws saying how much they can take (%) of income. They cannot ever take any percent of money from a person not owing or from SSI payments, so if you bank acct is shared with a DP/DH/DW then you can prove their money is in there too (paychecks) and they cant touch that part

I got a letter in March. It said "Here's what you owe" and how to pay it. They wanted $900. I told them I couldn't pay it all at once. So they said they wanted $100 a month. I told them I couldn't even do that. After bills and gasoline I have $80 left for all expenses, I would send what I could ($10 and 20 here and there). I never got another notice about anything. And now I'm being levied. (sp?) I was going to pay the bulk of it off with my taxes (which they probably would have taken anyway)

If they took me to court I had no idea.