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poverty - Page 4

post #61 of 133

Mrs. S. You are in this situation because of bills?  Would you be able to file bankruptcy?  Or not?

post #62 of 133

Well I had the phone interview.  The gal said about a  WEEK for follow ups... ugh... I can NOT wait that long... I will go insane, especially with a potential start date of 2/20.  I think I answered the questions well.   But really, how do you answer a question of 'what did you like about this job posting;?   Well... it was full time, in an industry I have 10 years experience and its close to my home.  Ive done the job before and I'm looking to get back into the industry.  I mean, really what do you say, its a bare bones job description.  She asked me that ? 2x.  ugh.

 

I need a full time job, close to home with benefits.

 

Payroll was deposited today and its more than gone already.  Next pay is spent too.. I hate living like this.  Yes its gone and I have not paid rent yet.  I can not hang on much longer.  This is totally insane.  Part of me says to put all my efforts into job hunting because this tiny paycheck isnt worth it but I need the tiny checks for the utilities and such.   The never ending battle of living on the edge.  I HATE IT.

post #63 of 133
Quote:
Originally Posted by Mom31 View Post

Mrs. S. You are in this situation because of bills?  Would you be able to file bankruptcy?  Or not?

 

Well, it started when I had to severely cut back on my work earlier in my pregnancy than I planned.  I am determined not to have my child in day care for the first couple of years, so it will be evening and weekend work or nothing.  We've been hit by a couple of medical bills that have eaten into our savings, and things are looking a little scarier than we'd expected.  Still, no, we are not close to bankruptcy.  Our only debt (other than being on an interest-free payment plan for one of the medical bills) is our mortgage, and I would take extreme measures to fit work into my post-birth schedule before I let our credit be ruined.  It could definitely be worse;  I just don't want to give up on my dream of staying home with the baby.
 

 

post #64 of 133
Quote:
Originally Posted by zebra15 View Post

Well I had the phone interview.  The gal said about a  WEEK for follow ups... ugh... I can NOT wait that long... I will go insane, especially with a potential start date of 2/20.  I think I answered the questions well.   But really, how do you answer a question of 'what did you like about this job posting;?   Well... it was full time, in an industry I have 10 years experience and its close to my home.  Ive done the job before and I'm looking to get back into the industry.  I mean, really what do you say, its a bare bones job description.  She asked me that ? 2x.  ugh.

 

I need a full time job, close to home with benefits.

 

Payroll was deposited today and its more than gone already.  Next pay is spent too.. I hate living like this.  Yes its gone and I have not paid rent yet.  I can not hang on much longer.  This is totally insane.  Part of me says to put all my efforts into job hunting because this tiny paycheck isnt worth it but I need the tiny checks for the utilities and such.   The never ending battle of living on the edge.  I HATE IT.


 

You say something like, "well i wanted a company I could grow with long-term."  Or "I wanted to settle into a job that I could enjoy and 

since I enjoy custoer-service based jobs I really felt like this position would be a wonderful fit for me."    ;)  Just BS your way in.  And then you can have the job and impress with your work ethic.

 

Crossing my fingers for you.

post #65 of 133

And I have two sick kids so no work for me today- there is $50 down the drain.... UGH!  Thats why I do what I do tho- so I don't have to worry about losing a job unexpectedly due to their sickness- all the people I clean for know I am a single mom and good about when things come up due to the kids.

post #66 of 133

Jess-Thanks for the clarification. I guess it sounds a like it may have hit you personally, reminding you of your friend. Instead of like me, who just saw some women standing together smiling. I can kind of see where you are coming from. Its not easy to hang out and smile when you are counting pennies from the couch to have the gas to go to your friend's home. 

 

zebra-hope you get good news on the job!

 

mom31-Sorry for the lost day but as you said, its great that you work in such a flexible job. 

post #67 of 133

Got the rejection email... I am going to assume I'm over qualified and not take it as total rejection.

post #68 of 133

I'm sorry about all the struggles you ladies are going through and I'm praying things get better.  I'm not sure if I'm more likely to be classified in this thread or the low income one.  Things are much better for us than they have been in the past.  When my husband and I first started out, we lived in a tent in people's back yards.  That lasted about six months, and then my hubs was accepted to the college in my home state/near my home town.  My parents loaned us the money to move home, and we've been here four and half years now.  College courses didn't pan out like they hoped though, and hubby works in a factory making less money than we need.  We rely on food stamps, the children have medical assistanceand hubby and I have no insurance (we had insurance through his job but they cut the benefits and raised the rates, paying out of pocket and using charity care if we are hospitalized makes a lot more sense).  Still, we're relatively comortable compared to others.  When my dd was a baby we lived off of about five hundred dollars a month and what little aid for utilites, etc was out there.  Then hubby got this job when she was seven months old.

 

I am a sahm but I've considered working outside the home.  It just doesnt make financial sense though.  We cannot afford daycare, and if I worked we would be making JUST enough for us to be cut off of daycare assistance and foodstamps.  So I'd work to be in the same financial position we're in currently, my children would be in daycare, and I think it would just be a stresser for everyone.  Luckily hubby is slowly getting raises, we're slowly weaning from food stamps, and we're forging ahead. 

 

People have perceptions of what you should do/look like/ have when you live below the poverty line, but it's just not cut and dried.  Nobody is living your life but you, and you seem like such lovely ladies with resolve and strength.  I have no doubt you're doing what's right for your family, and I hope you feel more secure soon. 

post #69 of 133

Oh Zebra- shit.

post #70 of 133
Thread Starter 

Sorry Zebra, that's disappointing news

post #71 of 133

How are you Jess? I have to head out to work. How are you doing?

post #72 of 133
Quote:
Originally Posted by zebra15 View Post

Got the rejection email... I am going to assume I'm over qualified and not take it as total rejection.



I'm sorry.  *hugs*

 

 

 

 

 

 

 

 

post #73 of 133
Yes! This is me. Family of 4 living on $800-1200 a month depending on how much supplemental money I can make in a month.

Dh is disabled and can perform limited work. I am disabled and can't work a 'job'.

He is a PT cook and I make my money from the peddler's mall, running errands for an elderly/disabled friend, and doing a couple hours of clerical work a week for my sister's business.

I would LOVE to be able to do the Total Money Makeover and have an emergency fund and pay off my debt, but it simply won't happen at this point.

Some weeks we don't have enough money to last the week, and it's not because we make poor choices, it's because we simply cannot make enough money.

Dh is at the end stages of disability. He has his lawyer and court is less than 6 months away. His is a pretty simple case. He's legally blind, his vision deteriorates every year. Unless/until treatment is available we know one day he will lose all sight. For the time being, he is working as much as possible.

Mine isn't as simple. My back is esentially deteriorating. I lose a disc approximately every 2 years since around age 15. My mobility decreases every year. I used to be an athlete, now I consider myself lucky to make it up a single flight of stairs. My mother was completely wheel-chair bound at age 35. It's congenital apparently. I am at the beginning stages of disability.
post #74 of 133

welcome ! 

post #75 of 133

I usually post on low-income threads. My family is a lower middle class family. We make just above the cut off for any type of assistance but we still have to stretch to make ends meet.  Childcare expenses kill us. We’ve had good years and bad years but I try to remember nothing is permanent. Things will change, opportunities will come and go and my kids will grow up happy and healthy no matter how much we have.

 

My aunt and uncle were incredibly poor for many years when their children were growing up. They lived in a small house and often relied on assistance and family members to pay bills.  I aunt spent 10 years putting herself through college at night when her kids were small. She went on to earn a Master’s degree and now she is the top accountant for our state. I guess when I’m feeling down I always think of her family. I think of all the families I know who made it through the worst of times.  You will make it through too.  

post #76 of 133

We definitely belong in this thread.  I just got the shut off call from the electricity company ( trying to get assistance for that)  Food stamps turn on tomorrow thank goodnessand I am just bloody well spent and stressed.  Our income right now is equal to our rent- which as you can imagine is not working out so well.  I am hoping our tax return can move us into a cheaper place but right now is so so rough.  I have two 15 yr old girls and a 7 yr old boy and they are so wonderful about stuff- but I am feeling panicky tonight.  We always figure things out and I know it has to be OK- but yikes.  I just need to figure out how to get gas money to get everyone to school and work this week.....sigh.

We always do better as the ag/landscaping season kicks in,  just feels like so far away right now.

post #77 of 133
Thread Starter 

Hi ladies! I just got some mixed news...

The good news is that I got approved for temp. disability/ work rehab.

The bad news is that my property manager doesn't believe i will have enough to live on and afford $795 rent (she's right, but i was going to patch it all along as long as i could, hopefully long enough to get other stuff back on track) so i may have to move, which is just NOT something I need to be dealing with now.

post #78 of 133

I need to sub this thread, I haven't been on in a few days, but hugs to everyone.  You are all so strong even if it doesn't feel that way sometimes.  Hang in there, and zebra, so sorry for the e-mail rejection :(.  My husband got rejected (he's almost done with his degree - he's 26) for a server job at applebee's this summer, and looking at the current staff I could not believe it.  I think the over-qualification scares employers because they think you might be out to take their jobs, or just using their job as a temporary fix while you look for another.  Downright maddening.  

 

My paycheck, which is deposited in three hours, is already divvied up between where it has to go.  We have a couple of days worth of food left, but good thing we have a jar of peanut butter and a medium bag of oatmeal and eggs.  Feelin' good, if stretched beyond my limit.

 

 

Good luck everyone. 

post #79 of 133

Jess that's great about disability!  I hope that you don't have to move- but dang- rent 795 I knew things were expensive there.... that sucks. Could you house/share with anyone?

post #80 of 133
Quote:
Originally Posted by Mom31 View Post

Jess that's great about disability!  I hope that you don't have to move- but dang- rent 795 I knew things were expensive there.... that sucks. Could you house/share with anyone?



In Hawaii that actually sounds like a 'bargain'. There are other parts of the United States where rent can easily be $1200 and that's for getting nothing special either.

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