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*~*~*2012 Low Income Support Group*~*~* - Page 3

post #41 of 333

Silly me, I thought things were going to turn around for us. I should have known better. DH didn't get the job after all. After telling him he got the job they decided they wanted someone for management instead and blew him off. 

 

All is not lost as he does have an honest buyer (opposed to all the potential buyers that he keeps getting who then fall through) he is working with so that is good. However, for this business to support us he needs one every 6-8 weeks, not 1 a year. Trying to look at the bright side but it is getting really hard to do when the light at the end of the tunnel keeps showing us just enough of a glimmer to get excited and then being stamped out.

 

post #42 of 333

Cheryl, I'm so sorry to hear that but I hope the sell goes through and it provides your family with much needed income.

 

My name is Kate and I've participated in this thread on and off over the years. I guess we're what you call lower middle class. We earn just enough to put us above the line for assistance for just about everything. But the majority of our income goes to bills, utilities, daycare, and kindergarten tuition (yes, even in public school I have to pay monthly for tuition for non-state funded Kindergarten). Each month it's a stressful juggle to pay all the bills and eat. Right now our biggest expense is childcare & tuition- it costs $700/month!  Thankgod there's only 5 months left in the school year and then the expenses will drop to a much more reasonable $268/month thanks to PS tuition dropping off when my son hits first grade and we're switching my daughter to our church's preschool with extended days instead of an traditional childcare center. I can't even tell you how much stress I have but you probably know.      

post #43 of 333

Hello everyone,

 

  It's been a while since I've posted here. Things were looking up for a while. DH got a full time job, and we were able to move out of the rented room we were staying in, into a 2 bedroom apartment. We have been able to make the rent, but are now behind on bills because there were so many back bills, plus DH is not good with managing $.  

  Last month, our car broke down and was impounded because we were not able to have it towed out of the parking lot it broke down in. We are honestly thinking about writing the car off, because the impound fees plus what it would cost to fix are more than the car is worth. DH is now taking the bus to work, and since out new apartment is close to downtown, I'm able to get most places I need to go walking with the stroller. 

   I'm hoping things continue to stay above water, but the stress is causing many arguements between me and DH. To top everything off, I just found out I'm pregnant. EEP!

post #44 of 333
Quote:
Originally Posted by foxsmama View Post

Hello everyone,

 

  It's been a while since I've posted here. Things were looking up for a while. DH got a full time job, and we were able to move out of the rented room we were staying in, into a 2 bedroom apartment. We have been able to make the rent, but are now behind on bills because there were so many back bills, plus DH is not good with managing $.  

  Last month, our car broke down and was impounded because we were not able to have it towed out of the parking lot it broke down in. We are honestly thinking about writing the car off, because the impound fees plus what it would cost to fix are more than the car is worth. DH is now taking the bus to work, and since out new apartment is close to downtown, I'm able to get most places I need to go walking with the stroller. 

   I'm hoping things continue to stay above water, but the stress is causing many arguements between me and DH. To top everything off, I just found out I'm pregnant. EEP!


Ouch.  We've had cars break down in parking lots before, but the store owners have been nice about not towing us for a day or so while we figure out how to get it moved. Congratulations on the pregnancy.

 

We actually sold one car tonight because we don't want to pay to fix it and we'll need that money for the house as DH isn't getting many hours right now.  He went to a couple temp places this week to try and pick up more work since applying for things directly has been going nowhere.

 

I went to the ER on Christmas Eve for what turned out to be a gall bladder attack.  I am SO glad it happened then instead of after the first, because we've already met our insurance deductible for this year.

 

post #45 of 333

Hey gals! Today I did a online credit check and three unpaid accounts disappeared since last year. I know that they did not get paid off so how did they disappear? Anyways my babystep towards loosing debt for today was writing down all of my accounts and omg there are soo many I want to kill my ex! My next step is to figure out how to pay off a few of those debts. Sigh...

post #46 of 333



 

Quote:
Originally Posted by mamayogibear View Post

Hey gals! Today I did a online credit check and three unpaid accounts disappeared since last year. I know that they did not get paid off so how did they disappear? Anyways my babystep towards loosing debt for today was writing down all of my accounts and omg there are soo many I want to kill my ex! My next step is to figure out how to pay off a few of those debts. Sigh...



 There are 3 different credit reporting agencies so it might be on an different repot than the one you looked at.

 

Foxsmama- Sorry to hear about the car but it sounds like you might do ok without it for now. I'd love to live where I could walk everywhere I need to go. Congrats on the new pregnancy. I am sure it is stressful right now, we got unexpectedly pregnant 2 months after DH lost his job and we had just decided to let our house and minivan go, but he is such a blessing now. I could not imagnine life without him.

post #47 of 333
Quote:
Originally Posted by mamayogibear View Post

Hey gals! Today I did a online credit check and three unpaid accounts disappeared since last year. I know that they did not get paid off so how did they disappear? Anyways my babystep towards loosing debt for today was writing down all of my accounts and omg there are soo many I want to kill my ex! My next step is to figure out how to pay off a few of those debts. Sigh...



Those accounts might have aged off.  Go to credit boards and start reading.  (credit boards is another website)

post #48 of 333
Quote:
Originally Posted by inkedmamajama View Post

I am so tired of my financial situation. Here is it, another holiday season and I am still plagued by bank fees, and shutoff notices. Behind on rent and stressed just about the normal monthly bills-not even taking into account the 'holiday' stuff, like a present for our kids.

 

I am still making things at home for sale-trying to earn what money I can. Thinking of selling my daughter's violin (she switched instruments and no longer uses it)

 

We are in a better position than last year, as we actually have two vehicles and they are both legal, insured, and running-that is just so huge for us. 

 

I have remind myself how rich I am in love and keep putting one foot in front of the other.


I totally know what you mean... I get so tired of constantly struggling just to keep things going.  There's never any break. 

 

What kind of things do you make?

 

post #49 of 333

Hey all! Mind if I join you? We've been struggling for a long, long time now and I'd love to have someplace to come and talk about it. We don't chat about it with family or friends, really, and we avoid talking about it with each other unless we need to discuss something. DH is very sensitive about the whole thing as he's the only one who works. I stay home with our three kids, the younger two are only 1 and 2 years old so we are saving money with me staying home. Any childcare costs would completely offset any income I'd bring in. I've looked into it. 

 

But, here we are the end of another year and further behind that last year. I'm baffled as to how things seems like they should be getting better, but don't. DH has gotten a new and supposedly better job every year for the past 3 years. Our spending habits have gotten sooo much better. We have some government assistance now. We have not added any new bills-in fact we paid off a student loan in the past year. And we are worse off now than ever before. It seems so backwards-we have not been as well since DH went to college. We were better off monetarily before all these blasted student loans and DH and I fell for the school's marketing gimmick. He went to culinary school and works as a chef. The school told us to expect a good $10000 a yr more than what is actually paid out in the real world. *sigh* Doesn't help that DH graduated six months after the housing bubble collapsed and as the recession really started to kick in. One of the first things people stop doing is going out to eat when they trim their budget. Bad time to be a budding chef.

 

Anyway, now here we are a month behind on all our bills and really thankful we rent from my FIL. We have until the end of March to get back on schedule with our rent. This is the first month we've ever not been able to pay rent. Our food stamps were up for reevaluation at the end of November. We are still eligable but the paperwork wasn't pushed through before December because of Thanksgiving. So we've had to go the month without food stamps. We'll get double when January's payment comes through, which is thankfully only a few days away now, but until then...Oh and DH had an unpaid week off in November for Thanksgiving (not by his choice) and another unpaid week off this month. 

 

We are trying our best to hold out until tax time. Just another six weeks or so of trying to wade through it before we get our tax return. And DH works for the company who has the food contract with Lucas Oil Stadium where the Super Bowl will be this year. So he'll be at work for about ten days straight (between the hrs he will work and heightened security around the city, he won't be coming home) but holy monkeys will that be a nice check! 

 

So yeah, that's me and my pent up rant!

post #50 of 333

3xmama-- that's terrible about your foodstamps!  hope they come soon.  at least now you can load up the pantry with the double stamps. 

post #51 of 333

We've had a hard month, too.  Dh's transmission failed, because he refused to have it looked at (and the garage is right next door to his work) and instead decided to cheap fix it with some sort of additive.  Well, that worked for about a month, and then he was stuck with second gear only.  He drives 45 min each way to work, so it's really critical that he has reliable transportation.  We were intending to buy something next year, but hoping the car would hold up until summer at least.  With the other problems it had, it wasn't worth replacing the tranny.  We were really blessed to find a 2004 hatchback with not too many miles for under $5000 and they even gave us $200 for the privilege of scrapping the car for us.  But that exhausted my savings for our new family van we've been planning on, and we had to take a loan for the rest.  Plan is to pay off the loan with our tax refund and dh is upping his blood donations to provide for the car payment and the additional insurance, plus to rebuild my van fund.  I was so bummed to see my savings balance plummet to a few hundred dollars.  OUCH!  

 

 

 

post #52 of 333

Sigh.  We almost have the medical bills taken care of but Dh is probably losing his job next month.  I really really really would like to get ahead for once and stay there

post #53 of 333

hello all.... i haven't been here in SO LONG! 

 

still 'poor'....:lol

 

and i need to figure out the new board set up....

 

think i should do a mini-intro: mama to edie (15) and shelby (grown with 2 of her own :heart). office manager for small union electrical contractor. type 1 diabetic+ (long list of chronic diseases....) dog lover and mama, car-free bus rider, frugal, knitter, reader, repurposer. 

 

just found out yesterday that "medicaid" will cover edie's braces that she so desperately needs. so relieved and feeling extremely blessed. her father is supposed to be responsible for 70% of any 'extra' costs, but he has never followed through on that.....and i couldn't afford 100% of crap right now. 

 

so...good to be back.....

post #54 of 333

We will open the book. Its pages are blank. We are going to put words on them ourselves. The book is called Opportunity and its first chapter is New Year's Day. ~Edith Lovejoy Pierce

 

Happy New Years! 2012 WILL be a better year for us all!

post #55 of 333

Things are going really bad here too :( Car will be repoed next week sometime as it messed up again and I just don't have the money for it. We will be carless, we don't have a bus system here but thank goodness I live beside my parents who has loaned my husband their extra truck to get to work and go buy us grocery when needed. About 4 more weeks and taxes can be filed and we finally can get a van and be all caught up.


Edited by averysmomma05 - 2/4/12 at 12:50pm
post #56 of 333

Things are bad here too - we are 4 months behind on the mortgage, 2 months behind on the power, and a month behind on the water bills. No idea how I'm going to pay anything but 1 month of the mortgage - my income sources have just about all dried up, and I can't seem to sell anything on craigslist as of late, even with photos. I've got to go to a couple charity places for help with the utilities, but there is nothing in my area that will help with the mortgage - they all only help with rent it seems. 

 

We plan on starting the process to get dd's ASD evaluated and documented and then her onto SSI hopefully. Praying she gets on quickly - we really need the income to help with bills. I didn't think we were going to have FS and medicaid this month, but I just checked and we do so I'm good to go there. 

post #57 of 333


I am sorry things are so bad :( we had applied for DD SSI but she was denied and I just really don't have it in me to fight about it with them anymore. I hope things get better for you.

Quote:
Originally Posted by frugalmama View Post

Things are bad here too - we are 4 months behind on the mortgage, 2 months behind on the power, and a month behind on the water bills. No idea how I'm going to pay anything but 1 month of the mortgage - my income sources have just about all dried up, and I can't seem to sell anything on craigslist as of late, even with photos. I've got to go to a couple charity places for help with the utilities, but there is nothing in my area that will help with the mortgage - they all only help with rent it seems. 

 

We plan on starting the process to get dd's ASD evaluated and documented and then her onto SSI hopefully. Praying she gets on quickly - we really need the income to help with bills. I didn't think we were going to have FS and medicaid this month, but I just checked and we do so I'm good to go there. 



 

post #58 of 333

What is considered 'low income'?  Not sure if this would be us or not.  We are WIC eligible, but aren't on it since our kids have food allergies and can't eat hardly anything they give.  

post #59 of 333


I'm currently hoping to make it through this month. Since losing my job nearly a year ago, I've yet to really get my feet on the ground.

I have a long list of things to pay and about a hundred dollars (minus the mortgage money) to do it with.

I'm really hoping for a change this year.

 

post #60 of 333
Quote:
Originally Posted by kbaldridge06 View Post

What is considered 'low income'?  Not sure if this would be us or not.  We are WIC eligible, but aren't on it since our kids have food allergies and can't eat hardly anything they give.  



Low Income is what you make of it IMO.  Being stretched beyond your means, feeling stretched beyond your means, having a rough month. Anything really.  

 

 With WIC, if you are eligible why not take the food and have someone else in the house eat it?  Can you hubby eat the food?  WIC now should be giving produce vouchers as well. IDK if its lbs or $$ but you get produce.    You can get Peanut Butter OR beans.  Milk, cheese, eggs, juice, cereal and GRAINS (so a type of bread or tortilla)   I received WIC many years ago and traded food with my neighbor, she needed milk and didn't get WIC and then she would give me whatever she got for 'free' with coupons that week.  I also gave my babysitter juice as payment etc.

WIC is there for the family, not just the kids.  Regardless of what the WIC worker tells you ANYONE can consume the WIC items.  Those checks were a life saver most months for me.  5-10 years ago the value was $50-100 a month based on the market sales.  I know things are more expensive now.   What I wouldn't give for an extra $50 a month in basic grocery staples.

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