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October 2010 Low Income Support Thread - Page 2

post #21 of 90
Quote:
Originally Posted by vannienicole View Post
I hope I don't come up against this. There has to be a way around this for low income families.
I have called all over campus: student financial services, financial aid, etc., etc., etc. My last hope is for Calworks (welfare) to pay for it. My worker says that she thinks they should be able to if I can provide the right paperwork.
post #22 of 90
Quote:
Originally Posted by vannienicole View Post
Me either. Oh well. I'll figure it out somehow. I just don't have internet reliably through the year to post that much.
Same here, there have been months where I didn't have the internet. Plus I am a month shy of meeting time guidelines... I'll figure something out.
post #23 of 90
Just found out today that my car needs a new engine. It is 12 years old and not worth putting that much money into it. My job is technically a seasonal position, so I can't get a car loan right now. There is no way can get to work and back and drop my son off and pick him up at his preschool without a car. I could possibly do it if I didn't have to worry about him, but I don't know anyone who can pick him up or drop him off.

I called my state aid worker and she basically said that I will need to have my car die and lose my job before she can help me. I am so frustrated... If I could find a way to either get my car fixed, or find a way to buy a new (to me) car, I would be much less of a burdon on the system, and yet it is set up to only help once I have lost everything rather than helping to keep me on the road so I can stay off cash assistance. I just want to cry at this point. Things were just starting to look up and now I am looking at not having a vehicle in a month or two.
post #24 of 90
Sitting on the side of the road waiting for my husband to pick me up. My car just died in the middle of the road in rush hour. Not only do I not have money for the repairs, I have no money to pay the tow truck that the police had to call, so my car is going to the impound yard. Bawl!!!! What am I going to do? I can't go to work with out a car my work is 20 miles from my house..
post #25 of 90

subbing....

Popping in to say hi...I haven't had the internet at home for awhile so I haven't gotten on much lately...But I am hoping to be able to rent an apartment in about 3 weeks that has cheaper bills...Please keep your prayers and fingers/toes crossed for me..If we get this It will free up enough $$ so I can not only get the pnone/internet turned on but more grocery $$....

Even though I don't post much I read and pray for you ladies every day..It has been such a rough year for all of us..Hugs to all of you...
post #26 of 90
Quote:
Originally Posted by CaliMommie View Post
I have called all over campus: student financial services, financial aid, etc., etc., etc. My last hope is for Calworks (welfare) to pay for it. My worker says that she thinks they should be able to if I can provide the right paperwork.
Are you at community college or university? If you're at community college, they may have a program called CARE that helps with fees. I hope you can get it resolved!

Good luck to you guys with your car issues, too. What a hassle! For repairs, see if there is an auto mechanic program at any of the local schools. A friend of mine was able to get car repairs done at cost by students recently.

You also might look into the Ways to Work program. Here are the eligibility rules:
The minimum loan eligibility criteria for applicants are:

1. Continuous employment for at least six months or
2. Matriculated in a post high school educational program
3. Involved parent(s) of dependent child(ren), and
4. Have exhausted conventional loan resources, and
5. Have disposable income sufficient to make repayment (for no more than a two year term and at an interest rate at no greater than 8%) , and
6. Have a household income no greater than 80% of the area’s median income, and
7. Reside in geographic service area.

They're not everywhere, but in our area, they'll offer up to $6,000 at 8% interest fixed over 30 months, and $500 paid for the first six months of insurance. If you don't have great credit, it's a good way to improve your credit and get reliable transportation. (I'm not affiliated with them, just hope that it helps someone!)

I'm working on a blog series on how to make extra money, legally and legitimately and not $.05 for stuffing envelopes scams. I'll post it when I get it up. I'm a student and stay at home mom and am trying to save money for an emergency fund, and I've been trying all different ideas this year. A couple have worked out well, like mystery shopping, and others have not been worth the time, like Cha Cha. (I won't work for under minimum wage and averaged under $2 an hour on Cha Cha!)
post #27 of 90
Quote:
Originally Posted by TheSavedQuarter View Post
Are you at community college or university? If you're at community college, they may have a program called CARE that helps with fees. I hope you can get it resolved!

Good luck to you guys with your car issues, too. What a hassle! For repairs, see if there is an auto mechanic program at any of the local schools. A friend of mine was able to get car repairs done at cost by students recently.

You also might look into the Ways to Work program. Here are the eligibility rules:
The minimum loan eligibility criteria for applicants are:

1. Continuous employment for at least six months or
2. Matriculated in a post high school educational program
3. Involved parent(s) of dependent child(ren), and
4. Have exhausted conventional loan resources, and
5. Have disposable income sufficient to make repayment (for no more than a two year term and at an interest rate at no greater than 8%) , and
6. Have a household income no greater than 80% of the area’s median income, and
7. Reside in geographic service area.

They're not everywhere, but in our area, they'll offer up to $6,000 at 8% interest fixed over 30 months, and $500 paid for the first six months of insurance. If you don't have great credit, it's a good way to improve your credit and get reliable transportation. (I'm not affiliated with them, just hope that it helps someone!)

I'm working on a blog series on how to make extra money, legally and legitimately and not $.05 for stuffing envelopes scams. I'll post it when I get it up. I'm a student and stay at home mom and am trying to save money for an emergency fund, and I've been trying all different ideas this year. A couple have worked out well, like mystery shopping, and others have not been worth the time, like Cha Cha. (I won't work for under minimum wage and averaged under $2 an hour on Cha Cha!)
I work for ChaCha and I know what you mean. Sometimes it takes awhile but I have made 1k in a few months there so I am def not complaining lol. I love working for them but I know not everyone does.
post #28 of 90
So, I haven't went to my brothers in 6 years now because of money (I am in NC hes in MA) but he comes down to see us about 2x a year. He is going thru alot trying to get into Law school so I decided to surprise him and fly there! I leave on Nov 4th, and return on the 10th. My girls are staying home with a friend and there dad so I am going alone and I can't freaking wait!! The best thing? I paid only 89.00 round trip to go!
post #29 of 90
Dang it! My car is DEAD! The tow truck drivertook pity on me a took it to a shop and the shope said it would cost 3 times what the car is worth to fix it. I am having a panic attack, I am going to loose my job with out a car!!!! I can't afford payments, what do I do?
post #30 of 90
It seams like car problems are going around.. we also just had to spend all our savings into fixing our cars and getting one of them re-registered.

(((HUGS))) all around!
post #31 of 90
So I worked it all out.

IRS site says Oct 15 for my refund from 2008 taxes. That money has every penny spoken for. BUT after all is said and done on the day it is deposited....

~All bills will be caught up and paid.
~Tuition for the semester will be paid ($415)
~My divorce lawyer will be paid. (the last 1500)
~My sister will be paid back ($470)
~All unpaid debts will be paid (4 past due accounts totaling ~$840)
~$200 set aside for Christmas
~No credit card debt still.
~$1000 in my Emergency Fund.
~$175 in my "House" fund
~$120 in Retirement Savings account (at the end of the year, I am moving it into my first IRA!)


All I will have is my car loan and student loans (though that is still a big chunk of debt), but will be caught up and moving ahead. I'm also setting aside $390 for "maintenance" stuff that I have been putting off:
~oil change
~getting the interior of my car cleaned and detailed
~changing the air filter on our CHA system
~getting my son a mattress for his bunk so I can have my bed back to myself. so tired of waking in pee
~getting the kids sheets for their bed (they are about to fall apart)
~getting my comforter washed (like $10 at the laundromat...our washers and dryers at the complex are too small. been using just blankets)
~getting a new pair of running shoes for me so my poor shins can get a break

It seems like so much money spent, but if I do it all right, then after this month I can breathe and relax. And I'll finally be divorced . I'll still be dirt poor and working my butt off, but it'll be nice to have those debts no longer hanging over me, have a savings account for if the poop hits the fan again (no credit cards) and have those maintenance things taken off my "to do" list. They've been put off for forever. I seriously think it's been ~10000 miles since my last oil change.

This will be the first time I will have been on the right side of money since I left my husband Jan 2009.
post #32 of 90
Quote:
Originally Posted by vannienicole View Post
So I worked it all out.

IRS site says Oct 15 for my refund from 2008 taxes. That money has every penny spoken for. BUT after all is said and done on the day it is deposited....

~All bills will be caught up and paid.
~Tuition for the semester will be paid ($415)
~My divorce lawyer will be paid. (the last 1500)
~My sister will be paid back ($470)
~All unpaid debts will be paid (4 past due accounts totaling ~$840)
~$200 set aside for Christmas
~No credit card debt still.
~$1000 in my Emergency Fund.
~$175 in my "House" fund
~$120 in Retirement Savings account (at the end of the year, I am moving it into my first IRA!)


All I will have is my car loan and student loans (though that is still a big chunk of debt), but will be caught up and moving ahead. I'm also setting aside $390 for "maintenance" stuff that I have been putting off:
~oil change
~getting the interior of my car cleaned and detailed
~changing the air filter on our CHA system
~getting my son a mattress for his bunk so I can have my bed back to myself. so tired of waking in pee
~getting the kids sheets for their bed (they are about to fall apart)
~getting my comforter washed (like $10 at the laundromat...our washers and dryers at the complex are too small. been using just blankets)
~getting a new pair of running shoes for me so my poor shins can get a break

It seems like so much money spent, but if I do it all right, then after this month I can breathe and relax. And I'll finally be divorced . I'll still be dirt poor and working my butt off, but it'll be nice to have those debts no longer hanging over me, have a savings account for if the poop hits the fan again (no credit cards) and have those maintenance things taken off my "to do" list. They've been put off for forever. I seriously think it's been ~10000 miles since my last oil change.

This will be the first time I will have been on the right side of money since I left my husband Jan 2009.
EXCELLENT
post #33 of 90
Quote:
Originally Posted by vannienicole View Post
So I worked it all out.

IRS site says Oct 15 for my refund from 2008 taxes. That money has every penny spoken for. BUT after all is said and done on the day it is deposited....

~All bills will be caught up and paid.
~Tuition for the semester will be paid ($415)
~My divorce lawyer will be paid. (the last 1500)
~My sister will be paid back ($470)
~All unpaid debts will be paid (4 past due accounts totaling ~$840)
~$200 set aside for Christmas
~No credit card debt still.
~$1000 in my Emergency Fund.
~$175 in my "House" fund
~$120 in Retirement Savings account (at the end of the year, I am moving it into my first IRA!)


All I will have is my car loan and student loans (though that is still a big chunk of debt), but will be caught up and moving ahead. I'm also setting aside $390 for "maintenance" stuff that I have been putting off:
~oil change
~getting the interior of my car cleaned and detailed
~changing the air filter on our CHA system
~getting my son a mattress for his bunk so I can have my bed back to myself. so tired of waking in pee
~getting the kids sheets for their bed (they are about to fall apart)
~getting my comforter washed (like $10 at the laundromat...our washers and dryers at the complex are too small. been using just blankets)
~getting a new pair of running shoes for me so my poor shins can get a break

It seems like so much money spent, but if I do it all right, then after this month I can breathe and relax. And I'll finally be divorced . I'll still be dirt poor and working my butt off, but it'll be nice to have those debts no longer hanging over me, have a savings account for if the poop hits the fan again (no credit cards) and have those maintenance things taken off my "to do" list. They've been put off for forever. I seriously think it's been ~10000 miles since my last oil change.

This will be the first time I will have been on the right side of money since I left my husband Jan 2009.
That has got to be a huge relief! I'm sure you'll feel such a weight lifted when all those things are paid.

I do mystery shops for oil changes. I don't know if they're available in your area, but it works for me. I pay for the oil change and am then reimbursed for my expenses and paid a small amount for my report about a month later. I've never had trouble being paid. This is the group I use: http://www.realitybasedreports.com/
post #34 of 90
Right now I'm depressed. DS is sick and I've had to cancel to subbing jobs and it looks like I wont be working tomorrow either. He has streph and an eye infection. I thought he was on the mend until this afternoon when he announced he was covered in a rash. Right now he is lathered in Calamine (sp) lotion. I need to go to CVS and get some Benadryl spray and liquid. He is already on Abx and eye cream. I hope he isn't allergic to the Rx-even tho he's had this med before I was less than impressed with the DR at urgent care and the 'mom in me' doesn't trust him.

I really needed the $$ from 3 days of work this week too... ugh and I dont have the $$ for OTC meds bigger UGH
post #35 of 90
Quote:
Originally Posted by Goddess3_2005 View Post
Dang it! My car is DEAD! The tow truck drivertook pity on me a took it to a shop and the shope said it would cost 3 times what the car is worth to fix it. I am having a panic attack, I am going to loose my job with out a car!!!! I can't afford payments, what do I do?


I am so sorry...I know how you are feeling right now..My alternator went down the tube yesterday...Don't know what I am going to do either...

I will be praying for us both...
post #36 of 90
Thread Starter 
we lucked out, and with my 15 year old car it was just the starter. hopefully i can get a new tire before the frayed one blows. . . . but hey, we did get a referral to the food bank, and the food stamps card will be here in 10 days!
post #37 of 90
I got my child care benefit review in the mail. Ugh. More time fighting my incompetant worker (not all are, but even the other workers feel bad that I got stuck with this one ). Seriously, just two months ago she FINALLY fixed her screw up from 4 months ago....and now it's benefit review time. I wish I could switch, but they have been combining offices in the area for a bit now and there is just no switching allowed right now.
post #38 of 90
Quote:
Originally Posted by vannienicole View Post
I got my child care benefit review in the mail. Ugh. More time fighting my incompetant worker (not all are, but even the other workers feel bad that I got stuck with this one ). Seriously, just two months ago she FINALLY fixed her screw up from 4 months ago....and now it's benefit review time. I wish I could switch, but they have been combining offices in the area for a bit now and there is just no switching allowed right now.
I know the feeling! My reviews for fs & the kids medicaid should be in the mail this month, and I just figured out 2 weeks ago that my last review in may was never completed by my caseworker...hopefully this one won't be messed up too...
post #39 of 90
Quote:
Originally Posted by provocativa View Post
we lucked out, and with my 15 year old car it was just the starter. hopefully i can get a new tire before the frayed one blows. . . . but hey, we did get a referral to the food bank, and the food stamps card will be here in 10 days!
This may sound really silly, but you may try seeing if you can get a used tire. I had no idea anyone sold used tires (except maybe private party). But DH was telling me how a lot of people can afford to get new tires more often than they need. And their old tires are still in GREAT shape, so some places sell the used ones.

If you need more info, I can ask him later. I don't know who would do this (if it's like regular tire stores or what?).

That said, I HAD to get new tires on our van this past summer. I went to America's Tire Co. and talked them down over $125 on the tires and got an extended warranty on them to boot. You can haggle for tires, even if you're only buying one.
post #40 of 90
Quote:
Originally Posted by UberMama View Post
This may sound really silly, but you may try seeing if you can get a used tire. I had no idea anyone sold used tires (except maybe private party). But DH was telling me how a lot of people can afford to get new tires more often than they need. And their old tires are still in GREAT shape, so some places sell the used ones.

If you need more info, I can ask him later. I don't know who would do this (if it's like regular tire stores or what?).

That said, I HAD to get new tires on our van this past summer. I went to America's Tire Co. and talked them down over $125 on the tires and got an extended warranty on them to boot. You can haggle for tires, even if you're only buying one.
Definitely this!

We never had new tires on my parent's cars - we bought what is called "knockoffs" - new or barely used tires that were taken off and replaced. They might have wanted a different brand than was stock, or bigger / smaller tires for rims, etc. Just make sure the tread is evenly worn if there is any wear on the tire.
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