or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › January 2011 Low Income Support Thread
New Posts  All Forums:Forum Nav:

January 2011 Low Income Support Thread - Page 4

post #61 of 110

Fingers crossed Zebra!

 

On a lighter note (pssssh!), Dh's check was garnished this week! angry.gif I have no IDEA what for, and we had no notification whatsoever from anyone! A THIRD of his check is gone! He's the only wage-earner for a family of 7. How on EARTH!? I'm SO POed right now, and, as usual, his HR person is late for work today and nobody knows when she'll be in. angry.gifangry.gifangry.gifangry.gifangry.gifangry.gifangry.gif I was so freaking stressed last night I was having a panic attack and had to hit my rescue remedy like 4 times. Any advice on this issue is much appreciated, if anyone out there has been through this before. (btw, he has no other children or ex wives, no law suits that we know of, etc. so we really don't know what's going on)

 

Financial Aid refunds begin being processed today, which means "1-3 days" til we see it. Only, I'm not sure tomorrow counts, and Mon is a holiday, so it could be til next Fri before we see the money. STRESS!

post #62 of 110

Well, DH got his financial aid, filled the tank on the van, bought books, paid his tuition for the CC (he's taking 5 hrs there in addition to 12 at the university), and got the bed we need for the kids' room. And that's it, the rest of what's left he's had to set aside to cover bills while I'm out on maternity leave.

 

Meanwhile, I have to go in and deal with DES this morning. Wish me luck and patience!

post #63 of 110

I notice everyone gets their refunds right at the start of the semester for FA. Here, we don't get our refunds until usually 2 months into the semester and it blows! We can buy books with it and they deduct that amount but that is about all for 2 months. Things are going okay today I feel better. We paid off a debt yesterday which made me feel AMAZING!

 

Question: Work lately is stressing me out SO much like they call me at least 10 times a day every.single.day if I am off work or working later in the day to ask me questions or to come in early or something. I work right now 7 days a week and hrs depending on if I go in the evening or morning or whatever. I got this job to help out but not to become a full time stressful thing. It is so bad my kids beg me to please stay home just 1 day with them or I have to cut my phone off if I get a day off work so I can focus on my family. I don't want to quit because we could use the money but I am SO SO tired of it. What would you do? BTW, this is a ma and pa 1 owner Mexican market store. We have 4 cashiers total including myself and mostly they never work or call out.

post #64 of 110
Quote:
Originally Posted by Ravin View Post

Well, DH got his financial aid, filled the tank on the van, bought books, paid his tuition for the CC (he's taking 5 hrs there in addition to 12 at the university), and got the bed we need for the kids' room. And that's it, the rest of what's left he's had to set aside to cover bills while I'm out on maternity leave.

 

Meanwhile, I have to go in and deal with DES this morning. Wish me luck and patience!


Glad you guys got your FA so you could at least get somethings taken care of! Good luck with DES I had to stop dealing with them I know that isn't a option for everyone but they stress me out WAY to bad. Hugs!

post #65 of 110
Quote:
Originally Posted by gabbyraja View Post

Fingers crossed Zebra!

 

On a lighter note (pssssh!), Dh's check was garnished this week! angry.gif I have no IDEA what for, and we had no notification whatsoever from anyone! A THIRD of his check is gone! He's the only wage-earner for a family of 7. How on EARTH!? I'm SO POed right now, and, as usual, his HR person is late for work today and nobody knows when she'll be in. angry.gifangry.gifangry.gifangry.gifangry.gifangry.gifangry.gif I was so freaking stressed last night I was having a panic attack and had to hit my rescue remedy like 4 times. Any advice on this issue is much appreciated, if anyone out there has been through this before. (btw, he has no other children or ex wives, no law suits that we know of, etc. so we really don't know what's going on)

 

Financial Aid refunds begin being processed today, which means "1-3 days" til we see it. Only, I'm not sure tomorrow counts, and Mon is a holiday, so it could be til next Fri before we see the money. STRESS!

I am sorry all this is happening at one time! Hope things get better and you get your FA money fast.
 

post #66 of 110
Quote:
Originally Posted by zebra15 View Post

Keep your fingers crossed I have a sub assignment for tomorrow (friday) and an assignment for next thursday and friday.  These are high school classes so technically the kids should be better behaved and inturn less stress for me.  Monday is a 'holiday' so there wont be any work.

I have a local Entertainment Book so I should be ok for a coupon for DS and the minigolf this weekend and I have about $40 cash.  Golf should be no more than $7.

 

I didn't go to target today... I really needed to p/u my rx (no charge from insurance) cuz I couldnt trust myself not to get anything else.  But thats ok, im on my own little personal compact challenge anyway.  I will try for Target later this weekend.


Fingers crossed that you get some sub jobs. Have fun with your son playing minigolf sounds fun! We don't have anything in our town or around like that for kids. I have same problem with walmart wanting to go in to get meds or something and spending way to much money I didn't have.

post #67 of 110
Oh I am so excited! I just got off the phone and the lady with the office position that I have been waiting for called me back! She said she was ready to hire me and even agreed to let me come in at 330, which is perfect since DH gets off at 3:00 now!!! So my hours will be M-F 3:30-7, which couldn't be more perfect for a mommy of 3 young kids (16 mo twins and 2 mo nursling!). Just enough hours to make it worth it but not too many that I dread leaving my babies! I'm so excited!!!!!!!!!!!!!!!! The extra money will be so nice! I can't wait to start saving some money for once. Wow, what a huge relief.

I have a couple questions, though. We are on FS, am I supposed to call my case worker and let her know of our new income increase or wait until the regular 6 month review?

Also, if you had a 2.5 month at home, would you pump in that time frame of 330-7? I will have pumped milk at home for her in case she gets hungry while I am gone but I don't know if I should pump while I am at work, too. I am hoping that she soon learns the time that I will be home and will hold out for me, what are the chances of that happening?

Thanks! smile.gif
post #68 of 110


 

Quote:
Originally Posted by GirlBoyGirl View Post

Oh I am so excited! I just got off the phone and the lady with the office position that I have been waiting for called me back! She said she was ready to hire me and even agreed to let me come in at 330, which is perfect since DH gets off at 3:00 now!!! So my hours will be M-F 3:30-7, which couldn't be more perfect for a mommy of 3 young kids (16 mo twins and 2 mo nursling!). Just enough hours to make it worth it but not too many that I dread leaving my babies! I'm so excited!!!!!!!!!!!!!!!! The extra money will be so nice! I can't wait to start saving some money for once. Wow, what a huge relief.

I have a couple questions, though. We are on FS, am I supposed to call my case worker and let her know of our new income increase or wait until the regular 6 month review?

Also, if you had a 2.5 month at home, would you pump in that time frame of 330-7? I will have pumped milk at home for her in case she gets hungry while I am gone but I don't know if I should pump while I am at work, too. I am hoping that she soon learns the time that I will be home and will hold out for me, what are the chances of that happening?

Thanks! smile.gif


Congrats! Here you have to notify of changes within 10 days of the change (so 10 days after your start date). I wouldn't rock the boat until about that time, jic. I would try to pump once while you're gone, but if things come up and you can't sometimes, not a big deal. Especially if you're having no supply problems so far. If you notice supply suffer, make it more of a priority.

 

Managed to get the garnishment thing worked out (mistake, yay!!!) AND FA came in around an hour ago! Hip, hip hooray! What an awesome day this turned out to be (fingers crossed and knock on wood). I'm spreading it around to all of you! goodvibes.gif

post #69 of 110
Good luck with all these wonderful job leads ladies! I've been putting an ad on CL for part time/occasional babysitting and had a couple of responses but then no one really gets back to me when they say they will.

Well that's annoying... my nursing tank just broke. The clip on the right side broke last night and now the left one broke. It's a nice Thyme Maternity one too. I'd complain to them, but it was given to me and it doesn't even have the inner tag anymore. Oh well.

I looked on-line to check the status of my UCB check and it looks like it will arrive on the 20th along with my Child Tax Benefit from the Canadian government and since it's the first check from both places since my babe arrived it's much more then I thought it would be. joy.gif This means I should be able to pay off ALL my BIG MasterCard and a little bit on another bill and a few groceries. My son doesn't need anything right now except the $30 that goes to his RESP.
post #70 of 110



Yes you need to advise the FS office of your change.  Each state has diff requirements so check your packet.   Sorry cant help much w. the pumping question but with a 3 1/2 hr shift I'm not sure you would get a break so you may be working straight through.

Quote:
Originally Posted by GirlBoyGirl View Post

Oh I am so excited! I just got off the phone and the lady with the office position that I have been waiting for called me back! She said she was ready to hire me and even agreed to let me come in at 330, which is perfect since DH gets off at 3:00 now!!! So my hours will be M-F 3:30-7, which couldn't be more perfect for a mommy of 3 young kids (16 mo twins and 2 mo nursling!). Just enough hours to make it worth it but not too many that I dread leaving my babies! I'm so excited!!!!!!!!!!!!!!!! The extra money will be so nice! I can't wait to start saving some money for once. Wow, what a huge relief.

I have a couple questions, though. We are on FS, am I supposed to call my case worker and let her know of our new income increase or wait until the regular 6 month review?

Also, if you had a 2.5 month at home, would you pump in that time frame of 330-7? I will have pumped milk at home for her in case she gets hungry while I am gone but I don't know if I should pump while I am at work, too. I am hoping that she soon learns the time that I will be home and will hold out for me, what are the chances of that happening?

Thanks! smile.gif
post #71 of 110



 

Quote:
Originally Posted by GirlBoyGirl View Post

Oh I am so excited! I just got off the phone and the lady with the office position that I have been waiting for called me back! She said she was ready to hire me and even agreed to let me come in at 330, which is perfect since DH gets off at 3:00 now!!! So my hours will be M-F 3:30-7, which couldn't be more perfect for a mommy of 3 young kids (16 mo twins and 2 mo nursling!). Just enough hours to make it worth it but not too many that I dread leaving my babies! I'm so excited!!!!!!!!!!!!!!!! The extra money will be so nice! I can't wait to start saving some money for once. Wow, what a huge relief.

I have a couple questions, though. We are on FS, am I supposed to call my case worker and let her know of our new income increase or wait until the regular 6 month review?

Also, if you had a 2.5 month at home, would you pump in that time frame of 330-7? I will have pumped milk at home for her in case she gets hungry while I am gone but I don't know if I should pump while I am at work, too. I am hoping that she soon learns the time that I will be home and will hold out for me, what are the chances of that happening?

Thanks! smile.gif



Congrats! Nurse just before you leave & right when you get home. Baby may decide soon that she doesn't even want a bottle during that short period you are gone.

 

 

It sounds like good stuff is happening for many of us! YAY!!! Let's keep that positive momentum going! DH is a realtor and has a lot of leeds but they all have been flaking out in the end. I hope something comes through soon. I am counting on 2011 to be an amazing year! I am really trying to work on positive intentions this year.

post #72 of 110

GirlBoyGirl, congrats on the job! I think I'd take the pump along just in case you feel like you need it halfway through your shift. I'd be more concerned about possible engorgement than anything else, especially if your LO cluster feeds in the evenings currently. Soon enough your body and baby should adjust to that not being nursing time.

 

As for when to report the change, here we have to report any change in income w/in ten days, so I'd probably report it after you get your first paycheck.

 

I never made it in to DES...took one look at the lines and just didn't want to deal. I'm going to assume (for the sake of sanity) that they calculate AHCCCS income based on immediate family (self plus spouse for adults, parents for children), and food stamps based on combined household income. That would mean DW#2's AHCCCS is based on just her unemployment income, while FS are based on her unemployment plus DH's unemployment plus my paycheck, and a household of 4 people.

 

Baby is welcome to join us in 3 weeks. He just better flip into position by then. I'm going to drive across town and pay $50 out of pocket for an ultrasound at a sonography school instead of going to the place I went last time, so that I can reserve the flex spending account on my insurance for paying the midwife. It'll save us several hundred dollars in the long run, but that $50 out of pocket now is a bit rough.

post #73 of 110

Do any of you ladies have an inkling how FS benefits are calculated? Maybe a website to which one can be pointed, at least, to guesstimate?

 

I think we currently receive FS at or near the max for our family size of 7. It is looking like DH will soon be offered a promotion at work. He will be a manager, of a department he does not like, doing work he would not like. If it will get us ahead, he will take it anyway. If it won't, he'd rather wait until another position opens in a few months, or until he's completed school next year. I know the reduction in FS benefits wouldn't be dollar for dollar (only because it says that in the letters we get from them anytime anything changes), but we need to figure out what dh will have to ask for in terms of salary in order for this to be in all of our best interests.

 

There's no way he would be making the dollar amount or more that we get in FS. We know this much going in. But if it could get him much closer to us getting off of public assistance, maybe with his raise this summer, or another promotion in a couple of years, he'd consider it worth it. Despite the terrible benefits at his company.

 

However, if it's only a couple dollars more per hour, and after the FS adjustments we'd only receive like $20 more per month for the EXTREME stress and aggravation his company will put him through by being a manager (while trying very hard to make it through school), then his health is not worth $20/month and he'd be better off biding his time for a better position elsewhere after he's finished school. But we need to know this to make an informed decision.

 

It all depends on the department and so on, too, of course. It may not be as bad as he's anticipating. But it would help so much more with such a decision if he could really figure out the numbers, not just guess.

 

TIA.

post #74 of 110

http://www.foodstamphelp.org/document.2005-05-28.4584582816 

 

michigan food stamp calculator....  not sure how current it is.... i just googled the term..(the one i use for az is right on to the penny though)

post #75 of 110

Keep your fingers crossed I was able to find a subbing job for Tuesday along with Thursday and Friday this week.  Im hoping that none of them cancel.  All are highschool jobs and are 'math' classes so there really isn't any teaching involved (lol).

 

I really need the money.  I know I should work on Weds but DS needs help with something for homeschool so we will probably end up at the library.

post #76 of 110
Quote:
Originally Posted by zebra15 View Post
 
i just googled the term.


blush.gif

post #77 of 110
It does look like things are looking well for us all. That's great! My credit card bill was much smaller then I thought it was, but I'm still planning to ask if they can give me a break with some of it since they did tell me if I paid $1000 of it they would. The guy didn't have my file for some reason so I can't talk to him until maybe tomorrow or the next day to see what kind of deal we can make. I can afford to pay the whole $567 owed to pay it in FULL and have that debt gone forever, but I'd rather them take a little off.Hopefully by doing that it doesn't ruin my credit. Then I work on getting rid of the Visa debt.

I want to move. I also want to stay here a little longer so I can save some money. It's a dilemma. The reasons I want to move are b/c the upstairs neighbor(he's also the janitor) seems to think that b/c there are young people in the building I should expect loud music at any time during the day or night (yeah, he did actually tell me this when I asked him to please turn it down, I had my then 6 day old baby in my arms). Most of my neighbors also smoke, heavily and it often comes into my apartment. The landlord doesn't do anything about the complaints and there are no laws (yet) about smoking in rentals. I open the bathroom window when I smell the smoke and try and think of other things or keep busy when I hear the loud music, but it really aggravates me, My lease ends May 1st and that will be a year of me living here. It's really hard to find a new place to live here so I need to look now and hope to be able to make all the arrangements and have the money to move and all that. I'll probably have to negotiate with the landlord about moving a month earlier or a few months later and try and help him find someone for this place. Typical moving day here is July 1st and it's hell to move then so I won't do it again.
post #78 of 110

Fingers always crossed for you Zebra!

 

Thanks for the link. It wasn't exact for us for some reason, but it was close. Thanks again.

post #79 of 110

Fingers always crossed for you Zebra!

 

Thanks for the link. It wasn't exact for us for some reason, but it was close. Thanks again.

 

Mamita, don't know about Canada, but here  it will say "settled for less than full balance" and is considered negative, though not with as much weight as some other negatives (like never paying it at all or paying 30 days or more late on more than one occasion).

post #80 of 110

Boy, that double post is weird...

New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › January 2011 Low Income Support Thread