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December 2010 Low Income Support Thread

post #1 of 79
Thread Starter 

Well it's almost the 8th and no one else started a Dec thread so I will.  ;)

 

 

 

This thread is for support of all with low incomes or struggling.  

post #2 of 79
Thread Starter 

This is a really rough and super tight month. Fingers crossed for something good that might be in the works.

 

 

I hope everyone else gets a bit of good luck too this month and that the holidays go smoothly!!!  goodvibes.gif

post #3 of 79

Well, DW#2 lost her job today. She got to work (after a LONG bus commute) to find a note on the door, and that the keys and security codes had been changed. They didn't even have the decency to CALL her and tell her she was fired. Talk about unprofessional...

 

Anyway, I'm going to file a change on our DES benefits adding her as a household member with no income (and another one once she starts getting unemployment). Previously I'd put on there that she was in the home but not a member of the household who eats with us, etc., just paid us $300/mo for rent/utilities. Now that won't be happening for a while--she's got child support to pay, for one thing, and while her ex might be okay with forgoing it until she's employed again (he makes good money at a stable job, etc.), the state won't see it that way.

 

Sigh. This is making our holiday even tighter than before. Thanks to my holiday pay we'll probably make rent, but I'm going to have to take our Direct TV down to the very cheapest package (can't just cancel because of contract), and my plans for what to get DD have diminished to what we already have (a hand-me-down computer) and a few stocking stuffers. I might manage a Santa gift for under the tree, we'll see what I can turn up at goodwill...ours has a lot of board games usually. And I'm going to make her a robe (it'll be fun doing it without her seeing!) with some fleece I'd bought to make her pajama pants (I already made her one set of pants; I'll make a second if there's enough left after the robe).

 

They didn't have me cut my over-hours last week, with any luck they'll be the same this week.

 

Now if Paypal will just take the hold off the money my midwife refunded me after I accidentally sent it from my checking account instead of the MSA, I'll be able to pay the electric bill...

 

It's been a long, stressful day. I should just go to bed, but poor DH's been landing on the couch lately because of "stereo snoring" from DW#2 and I, plus with me expanding and both of us tossing/turning and more blankets on the bed because it's cold, he keeps getting squeezed out. We need a new bed for DD's room (will be the sleep-with-baby bed once baby comes) so there's someplace better than the couch for when that happens (or so the tossy turny person can just not disturb the others).

post #4 of 79

That is tough Ravin.  So did she try to call and see WTH was going on?  Was it something she saw coming?  How embarrasing about the note...ugh

 

 

My month...well I grew some balls and terminated one of my daycare families because I was tired of her treating me like a nanny...but then I also lost another family because I dont take state payments....so I lost half my income in a week...right at christmas time!  JOY!  ugh

 

Luckily I still have about 1500 in savings and maybe 300 in cash...plus I did the ING deals on black friday so i will have an extra $150 come Jan...I also have a $25 check I need to mail in to the bank (not local)...i guess it would help to find it lol.

 

Oh the well.  Life goes on and I am looking to the positive.  I am mostly done with christmas shopping...

post #5 of 79



She hung around until someone came to open so she could clear her stuff out that was in the store (pizza delivery), then called DH who met her at the transit center and brought her home after his morning class.

 

There was a shakeup a couple months back in upper management, so she kind of saw it coming, and they were horridly stressing her out, but still...crummy way for it to go down.

Quote:
Originally Posted by surrogate View Post

That is tough Ravin.  So did she try to call and see WTH was going on?  Was it something she saw coming?  How embarrasing about the note...ugh 

 

post #6 of 79

I am so sick over our finances right now. DH has so many fees he has to pay for his business right now. I think his dad is going to help with the bulk of them but I am not sure. We don't have alot of xmas gifts to get but I need to finish what we do need to get and I can't yet. I think I am going to cash out my IRA so we can pay bills in Feb. If DH doesn't sell a house soon WE are going to be without a house gloomy.gif

post #7 of 79

December always seems like a rough month for us.  I'm not sure how it happened but we are low on food and it's only the middle of the month.  I don't get food stamps until the 22nd.  I think it was Thanksgiving-I tried to be frugal, but I was on the hook for all the side dishes and I'm not the best cook, so some things didn't turn out the first time around.  And yeah.  Plus I'm sure we splurged on a few holiday goodies we didn't need. 

 

This past week we have been broke as a joke, to the point I was worried the bank account would overdraw.  Thankfully that didn't happen.  Hubby's check should show up tonight/first thing in the morning and we will be able to catch up on bills and buy some household stuff/food we need.  I wanted to try to do something this weekend because I go to the hospital to deliver my ds on Thursday, but we won't have the extra funds.  On the plus side, though, my sister is taking my two year old daughter with her and my neice to a Christmas pageant and we'll have some alone time.  Yay!

 

I have been blessed this month, in regards to my daughter.  She desperately needed some shoes, and a lovely mama sent me two practically new pairs of stride rites that fit her fat feet.  WOOT!  I was also very suprised today to find a package on my doorstep with clothing for my daughter-I had talked to a mama months ago about her sending me a package ffs, but it hadn't happened and I forgot all about it.  My daughter really needed some more long sleeves and pants, so that was a pleasant package to recieve.  There were even some things I am saving in hopes that she'll be able to wear them this spring/summer.  DD is going to be two in just a few weeks, and she's had two growth spurts in the past couple months, so despite all my shopping ahead it's been tough to keep her in weather appropriate clothes this fall/winter.

 

My apartment complex is apparently adding on or something because they are bulldozing the lovely woods behind my house.  Grrrr.  I really want to move for various reasons, but this adds to it.  I didn't use the back for much, but I hate the fact there will be even less privacy and outdoor space for my children.  And they will still jack up the rent.  I'm starting to research a place to move to, and it really makes me depressed to see how hard it will be to find a place with things like any outdoor space/washer and dryer, etc. in our budget. 

post #8 of 79

Oh, December sucks. Glad I splurged on Christmas presents two months ago, because I would have nothing now. The people I babysit for canceled the last few days due to illness and then the mom had her baby two nights ago, so the little bit of extra money I was hoping for this month isn't happening. Luckily we talked my in-laws into a gift exchange rather than a whole buys gifts for everyone ordeal.

 

We get an "extra" paycheck this month due to bi weekly pay schedule. It is going to pay for 2 credit cards that have balances from car repairs and getting me some clothes after I had the baby, termite inspection, personal propery tax and hopefully buy me antivirus renewal.

 

My sister, who makes tons of money, is sending me a hefty check. She just wanted to help out. Should be here any day and it will pay off the plumbers. We had to have new pipes put in under the house because water was exploding out of the wall everytime I washed clothes or dishes. It is a relief to know I will be able to pay that off.

 

Oh, and it is DS's birthday in a week. Wish I could have his birthday moved to another month. It is finanically straining to have his birthday this time of year!

post #9 of 79

HI-  December stinks for subbing jobs... I'm really starting think I need to pick up the pace and look for something else. There are no other jobs, full time that won't cause me a mental breakdown again but I need to start looking again.  Subbing just isn't cutting it with pay and I need more pay!

 

The holidays are covered here. DS is 10 and really isn't into christmas.  He wants to go see some holiday lights and things but the few presents I have for him will be fine.  We've made fudge, saw 'The Grinch Who Stole Christmas' (with major discount tickets), and are doing more fun things.  I am trying to focus on activities and things vs stuff.

 

I will post more later

post #10 of 79

I know December can be rough so I thought I would share some blessings.

 

We finally had our appointment for heating assistance. We called right when they announced they were taking appointments over a month ago but got in as soon as they had an opening. It was more tightly regulated this year. I totally understand and respect that but it meant I got stuck running around collecting the extra paperwork. They needed printouts from the local courthouse for each child to show we weren't collecting child support (even though they are all dh and my children!!!) and a printout from the employment office to show I had no income, etc. A lot more people are having it bad this year. Nonetheless, they applied nearly 500 to our heating and we will get a % deducted from our gas each month during the heating season which will alllow us to apply that money to other bills.They said it could take up to 120 days for it to be applied to the account but it was there within a week ---thank God!!!  It helps a lot. This summer was so hot and we spent quite a bit more than previous years.

 

Another large blessing is help we have received through a local agency that helps out with diapers and baby items for little ones ages 2 and under. I used to volunteer there until things got so tight that I had to make the difficult decision to stop volunteering and start applying for services. Talk about humbling. I would much rather be volunteering but you can't do both at this agency. To 'qualify' for services you have to meet with 'mentor moms' and do 'homework' on early parenting topics to earn 'baby bucks' that can be redeemed on baby items in the on site 'store'. The ability to get baby supplies there has really, really helped our family through this rough year since the fall when I first went in for assistance. I am just swallowing my pride and focusing on the blessing.

 

The final blessing so far this month is that we have food for the month. That is a good feeling. Secure housing. Enough food. Warm clothing and good health. If I could freeze this moment, lol. Anyone else have blessings to share in the midst of the struggles?

post #11 of 79

I am blessed to have 'amazon' bucks for this month.   DS has presents for under the tree and last night I was able to find a discount code for the Luminaries he wanted to go see at the Botanical gardens so I ordered tickets. 

 

Plus I made some darn good fudge!

post #12 of 79

The clothing and shoes for my daughter were a big blessing.  Seriously.  I'm also grateful that the bank account never went into the red (it could have by two dollars but we all know how much that can screw things up).  I'm grateful that even though we don't have much money this month we have enough for some Christmas splurges and a simple meal out (sans child!  woot!)  I'm grateful for everyone's health and happiness around me, of course. Oh, and that nap me and my daughter took today.

 

Hubby is probably getting overtime.  Can't complain about that.  It's looking like it will be easier and easier to survive with him taking some fmla time after the baby arrives next week. 

 

Tomorrow I also get a free haircut and eyebrow wax thanks to my sister being a generous beautician.  She rocks!  \

 

There are things about being broke that make me feel very cleansed too.  I actually like going through the pantry and coming up with things to make from what's on hand.  I like to think creatively and make the best of things with very little money or resources wasted. 

post #13 of 79


That is wonderful about the clothing and shoes for your daughter! I totally understand how even a few dollars in the red turns into a huge snowball of mess!  Your post reminded me to mention that I am so thankful for the local clothing bank.I have clothing I have stored for the younger ones but the older ones are growing into young women and it is so hard to keep up with them through the recent growth spurts. The clothing bank is such a blessing when we don't even have extra for Goodwill or Salvation Army shopping.

 

I think you hit on something when you mention that there is something very cleansing about being broke...down to the bare bones and necessities. You have the gift of seeing how much you still HAVE and noticing that despite lacking many material things there are very important things that cant be taken from you, (your health, the love of family and friends, your kindness and compassion, etc.) I am thankful that despite being broke we have opportunities to retain some dignity through community resources and the kindness of others. I value frugallness and resourcefullness and IKWYM about that simple joy that can be found through the magic of pantry creativity. I hope you enjoy your beauty treatments. That sounds so refreshing. I hope it gives your batteries a boost! =)

Quote:
Originally Posted by happyhats View Post

The clothing and shoes for my daughter were a big blessing.  Seriously.  I'm also grateful that the bank account never went into the red (it could have by two dollars but we all know how much that can screw things up).  I'm grateful that even though we don't have much money this month we have enough for some Christmas splurges and a simple meal out (sans child!  woot!)  I'm grateful for everyone's health and happiness around me, of course. Oh, and that nap me and my daughter took today.

 

Hubby is probably getting overtime.  Can't complain about that.  It's looking like it will be easier and easier to survive with him taking some fmla time after the baby arrives next week. 

 

Tomorrow I also get a free haircut and eyebrow wax thanks to my sister being a generous beautician.  She rocks!  \

 

There are things about being broke that make me feel very cleansed too.  I actually like going through the pantry and coming up with things to make from what's on hand.  I like to think creatively and make the best of things with very little money or resources wasted. 

post #14 of 79

I'm worried about having the money to send gifts to my in laws...but besides that I think we're covered. There was a consignment sale in July that I covered both kids for birthdays/Christmas this year for less than $25. Such a blessing.

post #15 of 79

This weekend is going to be soooo fun. I can not wait.  I feel like a child myself instead of a grown adult.  Saturday am we are taking the dog to see santa at petsmart. Then in the afternoon DS has his last Drama class and they are putting on a show for the parents. I LOVE to see DS on the stage!  As a super-duper treat we are going out for an early dinner.  After that we are going to take the very long way home and look at all the holiday lights

Sunday DS and I are making x-mas cards (they had some at the dollar bin at target so it was more like 4/$1) and I got 2 packs.  Plus I have this left over 'glitter' picture frame thingy to make with him.   After that its more fudge I need to make for roommies office party.  YUMMY fudge.

 

AND I just got a job assigment for Tuesday! its teaching art class. so totall cool.

 

I love the holidays this year.  I've been sooo good about finding low cost things to do and picking up things on sale so hopefully it will continue to be HAPPY.... thru the new year.

 

(for those who are wondering the fudge is just off the Kraft marshmallow fluff jar, but I use any type of nestle toll house chips to add variety. oh so yummy)

post #16 of 79

well.....haven't been keeping up with this thread, but December has turned into a very rough month. The kids and I are staying with family temporarily and their dad is renting a room for cheap. We have no bills except for his room and car related expenses. We were on top of things. SO had just gotten a new position as an electrical mechanic/helper working days. He had been working overnights at IHOP and obviously couldn't do both, so I encouraged him to pursue the electrical job since I know that's what he really wants to do (and it pays better.)

 

Fast forward 2 weeks into the job. Our car gets stolen. Due to the car being stolen, I lost my babysitting job (because I couldn't get to the family for an entire week, they made other arrangements and it was all downhill from there). I had to call my SO twice at work on one day trying to deal with the stolen car issue and the police report and all. Apparently someone at the work site complained and so his boss told him not to come back on that job. There is another job in the works but for the time being he has been sitting out of work for a week. I could understand if it was a constant problem, but 2 calls in a 3 hour period, one day only, about a famiyl emergency? really?

 

So now we are both out of work......I have applications out and so does he but the constant cycle of dead end jbos is really draining. We go through this constantly because with no childcare it's next to impossible to get the right schedule combinations. And it's only made more complicated by the fact that we are currently shuffling the kids between the two houses.

post #17 of 79



I am so sorry. I hope things get better SOON brokenheart.gif

Quote:
Originally Posted by waiting2bemommy View Post

well.....haven't been keeping up with this thread, but December has turned into a very rough month. The kids and I are staying with family temporarily and their dad is renting a room for cheap. We have no bills except for his room and car related expenses. We were on top of things. SO had just gotten a new position as an electrical mechanic/helper working days. He had been working overnights at IHOP and obviously couldn't do both, so I encouraged him to pursue the electrical job since I know that's what he really wants to do (and it pays better.)

 

Fast forward 2 weeks into the job. Our car gets stolen. Due to the car being stolen, I lost my babysitting job (because I couldn't get to the family for an entire week, they made other arrangements and it was all downhill from there). I had to call my SO twice at work on one day trying to deal with the stolen car issue and the police report and all. Apparently someone at the work site complained and so his boss told him not to come back on that job. There is another job in the works but for the time being he has been sitting out of work for a week. I could understand if it was a constant problem, but 2 calls in a 3 hour period, one day only, about a famiyl emergency? really?

 

So now we are both out of work......I have applications out and so does he but the constant cycle of dead end jbos is really draining. We go through this constantly because with no childcare it's next to impossible to get the right schedule combinations. And it's only made more complicated by the fact that we are currently shuffling the kids between the two houses.

post #18 of 79

Hi everyone, I guess I belong in here, too! We are getting ready to sell our house we can no longer afford (DH lost his 2nd job) and get an apartment or move to a cheaper city. We have been trying to get a loan modification through HAMP since February and our application is still under review so I don't have hope it will go through. Does anyone ever get one of those things?? I *think* we might be able to pay January's mortgage but February? Unlikely. Anyway, thanks for letting me vent.

 

waiting2bemommy, so sorry about all the terrible things that have happened! I hope you both find good jobs soon.

 

post #19 of 79

I am about to make Zebra's fudge!  YIPPEE

 

W2bM Things will look up...they have to :)  Have you looked into social services to help you get housing, contact the homeless shelters, womens shelters, etc...good luck

post #20 of 79



How did the fudge turn out?

Quote:
Originally Posted by surrogate View Post

I am about to make Zebra's fudge!  YIPPEE

 

W2bM Things will look up...they have to :)  Have you looked into social services to help you get housing, contact the homeless shelters, womens shelters, etc...good luck

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