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*~*~*2012 Low Income Support Group*~*~* - Page 9

post #161 of 333
Quote:
Originally Posted by twinpossible View Post

New here. Husband was laid off this week with no notice and sent home that day. Wondering how we are going to make it and heading to the unemployment office to ask for help for the first time in our adult lives :(



That sucks.  So sorry!   Hope you can get unemployment figured out. 

post #162 of 333

I'm not the go-to person on resumes, but there are different kinds. There is a chronological approah, you would start from the last job and work backwards. There is a type focused on function, you would tell about the most relevant jobs. (This one usually works better for those who have been unemployed long or often.) There is another kind I can't remember. Search online for sites that specifically address resume writing.

post #163 of 333

I'm not the go-to person on resumes, but there are different kinds. There is a chronological approah, you would start from the last job and work backwards. There is a type focused on function, you would tell about the most relevant jobs. (This one usually works better for those who have been unemployed long or often.) There is another kind I can't remember. Search online for sites that specifically address resume writing.

post #164 of 333

Sorry, the box said a server probolem prevented the first attemp to pos,t please retry. Bah, humbug on their info box!

post #165 of 333

Things are looking up here.Suppose to get tax return soon even though it has been delayed a lot because of IRS issues. Scheduled to have our car repoed weeks ago and they never came,called and rescheduled was suppose to come yesterday and still nothing.Who knows.

post #166 of 333
Quote:
Originally Posted by averysmomma05 View Post

Things are looking up here.Suppose to get tax return soon even though it has been delayed a lot because of IRS issues. Scheduled to have our car repoed weeks ago and they never came,called and rescheduled was suppose to come yesterday and still nothing.Who knows.


Mine was reposessed last February, a few days before I was going to get my first paycheck from my new job.  I was in a hurry trying to get out of my house and I was flustered because it was my second prenatal appointment ever, and I walked outside and it was just gone.  I was so confused I walked up and down and around the block, praying I forgot where I had parked.  I was going to make a payment with that first check! I was so bummed.
 

In other news:  looking for an apartment for me and DS closer to work and further from my mother.  I've called a couple places, but neither allowed me to have a baby in a studio apartment.  ugh.  I'm so frustrated.  Why is it so expensive to live in California  irked.gif

post #167 of 333

DH got our taxes done a few evenings ago. (If you saw my other post he got his replacement. Never found the first. I'm hoping the company just never mailed one out and lied, I wouldn't put it past them...) We look to be getting a good check but almost all of it is spoken for already. Both of our cars need work, we have to catch up on rent and bills, hoping to get ahead on some of the student loans so when we have some harder months/unexpected bills in the next year we won't end up totally screwed, we need some personal undergarments and diapering things.  You know, all the stuff that gets put off over and over and over. I think tax time is my fav time of the year. 

 

But until it actually comes...hoping DH's check will be enough to cover our electricity and utilities. We already got pmt extensions and they are due tomorrow and Sunday or we'll be disconnected. Means we probably will be even more behind with student loans but oh well...taxes, right?

post #168 of 333

Wow! How does she not expect that much money can feed you for a month? I live in HAWAII and that much money feeds us for a whole month!

 

Have you tried churches? Most churches give out free bags of food. When my husband and I found ourselves homeless years ago, we called around to churches and asked if they donated food. Then we would go on the days they were handing out and each one would give us a big paper shopping bag of canned and boxed goods. Some of it was really unhealthy, but there was always at least something good in it and we never went hungry. We got things like rice, macaroni, pudding, canned veggies, beans, etc.
 

Quote:
Originally Posted by thatgirliknew View Post

I've tried to post on here a couple times in the past two weeks. Then my phone goes beserk after a 20 minute message and I get frustrated and forget about it.
I found out why I didn't get food stamps in January after finally getting to talk to an ombudsman. Apparently, when I applied in December, I didn't qualify for benefits in December BUT they gave me food stamp benefits on December 15th for January. Nobody told me this, no letters explained this. As far as I was to know I was getting them in December and January. So I was very upset and asked them if there was a smaller emergency amount or anything they could put on my card and they told me nope. She also mentioned that FS should NOT feed my whole household for a month and I do know it's suposed to be Supplemental but $526 would have fed us for a month.
The food banks in my new zip code operate on a call on this day, at this time and we'll give you one of x amount of appointments. But I have called every week and hit redial repeatedly only to eventually get a message saying they are full.
A friendly neighbor sent over a couple days of food. My grandmother gave us $20 to grcery shop, and we have completely raided our pantries until they are empty. The last couple days has been showing up at my sister's house for dinner and the lady I run errands for daily feeding us while we are out with her.


 

post #169 of 333

To Branditopolis,

    Are those apartment buildings designated as for seniors? If not, I think they may be breaking the law by disallowing a baby or child of any age. AS I ws told, the other excuse property owner cna use is that if there additional tennants over two, a higher rent may be charged. Check with the authorities, the law may have changed since I lived there. People may want to check landlord-tennant law in their own cities and states, but discrimination against children is illegal some places, and should be illegal everywhere.

   The easeist way to outsmart the repo man is to buy only used vehicles that you can afford. I've never owne a new car, never wanted to. I've only borrowed to buy a car twice. Once was owner financing (and she was my boss and I was doing her as much favor as she was for me) and the other was a personal loan (c $400) from the Marine Corps Federal Credit Union.

post #170 of 333

@rosarium the two places I called both said I'd have to go up to a 1bd unit because the studios were 'singles only'. 

 

when I bought my car (used) I could afford it.  I wasn't having any money problems, I had two jobs and I lived in Texas, where the cost of living is nowhere near the cost here in California.  I think my biggest mistake was not saving enough before I moved back.  I had enough for three payments, foolishly expecting to have a job by then.  I had no idea it would take six months

post #171 of 333

In our area there are zoning rules for occupancy. 2 people per bedroom. They say it's to prevent "squatters". When we signed our lease there were 6 of us=3 bedroom. Shortly after signing the lease we found out we were pg. Before the end of the year we had 1 too many people, were in violation of our lease, and if they'd found out they would have evicted us. Nice, huh? Babies should NOT count as people in rental situations.

post #172 of 333

Our car situation is more then can afford it.We bought it from a well known dealership here used,the motor went out 2 weeks later,and we have been fighting lemon law for awhile (since August). This has happened 3x they fixed it in December and in January the transmission went out. Fighting again lost this time but we are done.We called loan company and scheduled the repo in January still haven't came and then they called last week said was coming that day and it still is sitting there. I am glad it will all be done and my stress with it will be done.
 

Quote:
Originally Posted by Rosarium View Post

To Branditopolis,

    Are those apartment buildings designated as for seniors? If not, I think they may be breaking the law by disallowing a baby or child of any age. AS I ws told, the other excuse property owner cna use is that if there additional tennants over two, a higher rent may be charged. Check with the authorities, the law may have changed since I lived there. People may want to check landlord-tennant law in their own cities and states, but discrimination against children is illegal some places, and should be illegal everywhere.

   The easeist way to outsmart the repo man is to buy only used vehicles that you can afford. I've never owne a new car, never wanted to. I've only borrowed to buy a car twice. Once was owner financing (and she was my boss and I was doing her as much favor as she was for me) and the other was a personal loan (c $400) from the Marine Corps Federal Credit Union.



 

post #173 of 333

I know in CA it is 1 person plus 2 more per bedroom. We are a  family of 5 at the max in a 2 bed room. However that seems wrong for a studio. I would think a couple could rent a studio so any 2 people should be ok. Hmmm....you might look up the laws.

Quote:

Originally Posted by branditopolis View Post

@rosarium the two places I called both said I'd have to go up to a 1bd unit because the studios were 'singles only'. 

 


I've been  counting on our tax return to be about $2000, but it is only going to be $387. We also had to spend $1000 on repairs to FILs car we are borrowing. I feel like I am going to be sick. We have money to get us through April and possibly can stretch most of May. After that we have nothing! The job I was sort of offered disappeared then I got an email from the guy last week, then no responce again. DH is still waiting to find out when he can actually start his job. Even both together won't be enough to pay all the bills, but if 1 of the 2 don't start soon so we can stretch this money further, I may have a breakdown.

 

On top of that we are still having issues with the fs office. They apparently have not looked at the paper we turned in for DH's income in Dec and we have not recieved our fs for Feb. I am going to have to call again Mon morning and see what the problem is. I am hopeing it is just because they are under staffed and haven't gotten to it yet rather than an issue with the paperwork.

 

In the mean time I am going to give up the hope we will ever be in a place with a washer and can cloth diaper, and sell my cloth stash. This is so heartbreaking. Oh well... 
 

 

post #174 of 333

The law has no business telling mothers not to sleep with their babies(upto 1 or perhaps even two years). There is absolutely no proof that night nursing is dangerous; au contraire, the evidence is that crib death was aptly named in the first place, death that happens to babies sleeping in cribs. Babies who sleep where the belong, in arms, are protected from death from ceasing to breath, because unconciously hearing mom breathe reminds baby to breathe too. I suspect that, if facts were known, a lot of asthma and sleep anea is caused by this stupid, irrational,immoral,and unconstitutional law that orders babies into solitary confinement for the night.

 

Thus, there cannot be a rational law banning renting a studio apartment to a mother and infant. However, there is an abundance of irrational, illegal laws. I won't bore you with a list here.

 

Everyone who rents, tenant or landlord, needs to bone up on landlord-tenant law. Know your rights (and obligations), or loose them.

 

If you have to make payments on a car, then you cannot afford it. In 25 years of car ownership, I've only borrowed $800, half interest free, half at very low interest. Save up. Remember that a borrower is slave of the lender. Avoid slavery!

 

One more thng: poverty does not cause criminal behavior. My kids grew up poor, and none of them is a crook. Instead, all three are employed, pay taxes, and vote. My son just enlisted in the Army.

post #175 of 333

The rental laws are not for co-sleeping reasons, its for fire codes.

Most studio apartments only allow one person

1 br are max of 2 people

2 bed are max of 4 people

3 bed are max of 6 people

* sometimes you are allowed an infant under 1 yr of age (age when you sign the lease)

 

This is not to be mean or anti family, its strictly for fire code and safety reasons.

 

 

In other news I got a call from a 'teaching temp agency' and will be meeting with them monday after I sub.  I so need more employment and if this works out I should be getting more days.  I really need full time work with BENEFITS but getting my butt in more districts and more schools could lead to a teaching job??  Or any type of job in the school??   I was set on corporate america again but the more folks I come in contact with the better chance of finding out about anything I have.

post #176 of 333

Mildly off topic, but I wanted to share in case this idea works for someone else.

 

I am just in the research stages, but I am looking into doing respite care for kids with developmental disabilities. My roommate is moving out in the next month or so, and I need to make up the lost income (plus some if I can). I need to have a spare bedroom, furnished (tax refund $), certain training and a home inspection done. This is not through the state DHS foster care folks, and pays much more - $75-$100 a night per child. 24-48 hour stays are typical. These are high needs kids, and I know what I am getting myself into (foster parent and special needs parent experience). I have connections to the local state Department of Developmental Disabilities, and will also be looking into a few local non-profit agencies that do respite care as well.

 

I am thinking if I could get 2 kids every weekend, it would come to $1200-$1600/month. Realistically, it would be less frequent and not totally dependable. But on the other hand, I could schedule my work hours during the week to accommodate a respite kid's school hours, and occasionally take kids during the week.

 

Just wanted to put it out there for anyone else looking for a non-job income source. It is certainly not for everyone, but maybe for someone.

post #177 of 333

Somehow I don't see justification for "fire codes" to dictate to us how large our families can be. If a residence is NOT a studio, it still has more living space than the bedrooms. People can rationally sleep on a couch, or hide-a-bed, in a living room. This should not affect fire codes, because it is a separate room with separate windows. And I don't see multi-bedroom mansions with lots of extra exit doors. All the plans I ever studies had the usual front and back doors, same as my itty-bitty tincan home, and sometimes an extra side door or door through the garage.

 

In fact, I don't get why fire code writers find it perfectly acceptable to have bathroom windows from which it is impossible to escape, and yet dictate how many people cna sleep in a room. Also, what about these buildings so tall you cannot exit by the windows because they are so high above the ground? What about classrooms that have only one or two doors, but have 20, 30, sometimes as many as 40 children? The logic is deeply flawed!!!!  The code could be so many doors/windows per person, but instead is is by room and the stated purpose of the room.

 

In justice, the law should be, you put up the money, you move in, you marry if you want, you have babies if you want, and so long as you keep up payments (and don't damage the landlord's property if you rent) you can live there until YOU decide you need more room. If you don't believe me, see Roe v Wade which says that nealry everything about having and raising children is between a woman and her advisors (doctor, pastor, and others SHE chooses), not a matter for the law to intervene. BTW, it also applies to home schoo and "unschool" (an extreme, highly informal form of homeschool), because education is LISTED as one of the matters where government has no authority to dictate.

 

So, how does this pertain to supporting people of low income? Many of the rich elite do not want us to know the truth about our rights as US citizens. They own the newspapers, the publishing companies, and more, therefore much of what we could read about our rights is never printed. Once it was illegal to teach blacks to read, in an effort to keep them down. Now, the keepers of the information gates try to keep us from knowing our rights, to keep us down, and to keep us dependant on govenment handouts and programs. Big Brother forbid that we ordinary people should get smart enough to stand up for outselves and demand the same opportunities to succeed. I suggest you obtain a copy of the US Constitution, your state constitution (the North Carolina one is surprisingly liberating), read them, meditate on them study them and see what you find.

 

I'll give you a free insight to begin: The Preamble IS part of the Constitution. It says WE THE PEOPLE .. do ordain and establish this Constitution. It does not belong to legislators, executives, and/or judges, but to we the people. The only thing you need, besides the actual words themselves, is an understanding of the language as it was used at the time of writing, and maybe just a little of what used to be called common sense. We only need judges to decise what it means when two different parties in a dispute claim it means two different things, and the judges still have no right to make up stuff to suit their personal preferences. Do you know all judges, even in the Supreme Court, can be impeached?

 

Ok, I'll get down off my soap boxm and revert to teh mild mannered struggler trying to survive on less.

post #178 of 333

Last night, headed to a free business seminar at the local college, I saw steam coming from under the hood. Eventually, the problem was diagnosed as a hole in a hose, and repaired. There are several tips this brings to mind:

 

Learn all you can about the freaky lookng stuff inside your vehicle. Don't be intimidated, any person of normal intelligence can learn this. Also, make sure you have a man of reasonable intelligence who can speak for you to the parts store employee, the shop owner, or whomever. If you can't borrow a live man, then invent one and say, "my boyfriend/husband/father/brother/_______ says I need to buy/have you repair/_______  a/the ___________ (whatever it is you know needs to be repaired or replaced) and then stick to your guns. If you then have some doubts, go find a second opinion from someone you can trust not to put profit above your needs.

 

If at all possible, join AAA. Yes, do consider other roadside assistance services, but I keep coming back to AAA. Nearly every year, I've gotten full value for dollars spent. And keep a cell phone with you so you can call for help from wherever you are stranded.

 

Be willing to stop and help another motorist. My hubby has earned a few greatful contributions from elderly people for the times he has sorted out problems, It always seems to come at a time of special need. Further, we women need to stick together, because the dude who so graciously offers to help COULD be a serial rapist or something.

 

Don't only shop for parts in a retail store. Some of our most expensive parts were available for well below retail through an alternative source. There are lots of parts in junkyards, maybe just the part you need. There are parts that have been reconcitioned/remanufactured/rebuilt, quite often by the original manufacturer. These are almost as good as new parts, and will probably be as good as you need them to be.; by that I mean that nearly always, something else will need to be replaced long before the rewhatevered part does.

 

That advice applies fully to tires. Buy used, or retreads. You will actually be getting something BETTER than new tires. I know, you've seen those totally trashed pieces of tires along the road, and thought that proved old tires are bad. Well, if you thought that, you had it backwards. Truckers hate new tires, because it is the new ones that shred like that. Old ones that still work are the ones that have survived that harshness of highway driving. It is impossible to se the hidden flaws in new tires; old ones have either failed (and been cleaned off the road side) or met the test (and stayed in service).

post #179 of 333

I have two all-time favorite sources of tips for living well with less. I like these so much more than the many others because they are the most extensive and the most reliable.

 

First, I love the Tightwad Gazette books by Amy Dacyczyn. I borrrowed them from a library, by interlibrary loan, and wished I owned them. I think they are out of print now, but you can find a lot from or about them online. Amy has tested and/or researched many of the tips she shares; what I passed along elsewhere about use tires comes from that research. (How to pronounce that jumble of letters with only one vowel? Pretend it is spelled decision, and you'll be close enough.)

 

My sccond favorite is The Dollar Stretcher, edited by Gary Foreman. Not only have I assiduously read hundreds of issues, I've contributed a few tips, for which  I was rewarded with print issues. The Dollar Stretcher is published online, once a month. It has also been published in print, but that is not always available because so many readers are pinching pennies are not enthused about spending money, even for money-saving ideas.

post #180 of 333

I posted a while back and I thought I would update. My husband and I both work and childcare expenses were killing us. We were running of money every month and it was really stressful. We took our daughter out daycare about a month ago and now my mil & sil are baby sitting. I'm really thankful to have a family willing to rearrange their own work schedules to help out. We now have enough to live on and we've even been able to start saving again. Thank goodness.    

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