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~~~~2013 Low Income Support Thread~~~~ - Page 58

post #1141 of 1405
Quote:
Originally Posted by 2babies2kidsmom View Post
 

My MIL makes it with a can of evaporated milk instead of water and serves it with grilled cheese sandwiches.  It is yummy.

I second that. I've never made it with evaporated milk, but milk makes it taste soooo much better than if you mix it with water.

 

I have weird food tastes, but I put some grated Parmesan and/or mozarella in mine and add some crackers.

post #1142 of 1405
Quote:
Originally Posted by thatgirliknew View Post
 

I second that. I've never made it with evaporated milk, but milk makes it taste soooo much better than if you mix it with water.

 

I have weird food tastes, but I put some grated Parmesan and/or mozarella in mine and add some crackers.


I'm not big on tomato soup, but mom used to always make it with milk, on the stove, and add a little baking soda. I've used it in cooking - dump it in with pot roast in the slow cooker.

post #1143 of 1405
I second/third using milk in condensed soup, then adding in whatever you may like for a tomato based soup. Or if you are not in the mood for soup go to the campbells soup site and look for out of the box suggestions they have. Today for lunch we are doing a tomato soup with spaghetti sauce, the last of some butternut squash sauce, and stock. And maybe some cheese toast, yum.
post #1144 of 1405

Dang it guys, stop.  You are making me hungry.  I've been trying to avoid the snacks in the cabinet all day.  It's HARD!  And I can't do it with everyone talking about delicious food!  

post #1145 of 1405

thatgirlIknew, my husband had an at-fault accident and our insurance went up, but they lowered it a little each time it renewed (every six months, like yours). I think accidents typically stay on your record for three years, or at least that's about how long it took ours to get back to the original cost. If they are not lowering it, it can't hurt to do a little comparison shopping. I hope it goes down at least a little bit for you.

post #1146 of 1405

Ugh today has been both a good & bad day. DD got a kitten last night - super lovely, cute kitten free from a friend. They found it yesterday afternoon as a stray, and didn't want to give to the shelter as it's all black. Said kitten disappeared around 2 this afternoon. Either it's in the house somewhere & hasn't touched the food, or more likely it got out somehow & is gone. I have no idea how it could have gotten out though - dd swears the back door was shut, and I know all the windows & stuff were shut & locked. Of course, dd is bawling - she got super attached right away as she's been wanting a kitten for over a year. I am so praying that kitten shows up tonight. We went all over the neighborhood looking but no luck. I have no color ink to make flyers with, and no money to get any either.

 

But in good news - we finally got the letter from the County aid office. Going to have to call them though - letter says we qualified for the 8 month help program, but only lists 3 payments plus the back due amount making 4 months. I am thinking that I maybe have to re-cert for the program in January? IDK. But even if they only help for 4 months it will be a huge help as they are going to pay $101.33 of our bill every month. Right now that is more than our normal monthly bill, so need to call & ask what happens then - do we end up with a + balance or do they only pay the amount due. Either way I think it will be enough for us to get back on our feet, get the house taxes paid, and maybe put a little back in savings. I can take the extra I would have put towards the bill & multiply it thrift shopping & reselling.

 

Does anyone know the rules for FS / TANF Level Medicaid for adults & savings? I would prefer to put it in the bank if I can, but IDK if I can do that & still get medicaid for myself.

post #1147 of 1405

aww hope you find your kitten frugalmama, it's probably hiding out somewhere in your house, whenever we had a kitten it always hid for hours until it felt comfortable to come out.

 

I got a letter today that says special government funding that was added to SNAP in 2009 will be removed from SNAP as that funding is no longer available. It said $11 for one adult and $36 for a family for four. I'm sure this will be really hard for many families.

post #1148 of 1405
Quote:
Originally Posted by mamaofprincesses View Post
 

thatgirlIknew, my husband had an at-fault accident and our insurance went up, but they lowered it a little each time it renewed (every six months, like yours). I think accidents typically stay on your record for three years, or at least that's about how long it took ours to get back to the original cost. If they are not lowering it, it can't hurt to do a little comparison shopping. I hope it goes down at least a little bit for you.


Good to know it might go down a little soon.


I doubt comparison shopping is going to help much. When I got it in the summer, Esurance was already offering me a policy at 1/3 the rate of all the "top" insurance companies for the same exact policy.

 

If anyone knows an less well known company that tends to cost less, please let me know. :)

post #1149 of 1405

Your rate will depend on your driving record and your credit rating.  Esurance is actually a division of Allstate, and Allstate is generally pretty good for educated adult drivers with safe driving records.  For sketchy records, Progressive was often better (back when I was writing policies) but they tend to be expensive. 

post #1150 of 1405

Thank goodness - found him last night. After we combed the neighborhood, search the yard I don't know how many times, and chatted with all the neighbors to please keep an eye out - he was in his room all along. Still haven't figured out where he was hiding, but not complaining!

 

Listing stuff on ebay today & CL. Still have 3 more ebay slots for the month & I'm going to try my best to get 3 more things sold.

post #1151 of 1405

Oh thank goodness frugalmama!!!!!  My cats used to hide IN my boxspring and it would take forever for me to find them.  Turns out it's a pretty common cat thing.  One of my cats is really skinny and small for a full-grown animal so it's pretty tough to find him when he doesn't want to be found.

post #1152 of 1405

Hi all! I have been in and out of these threads over the last few years. We are still struggling but not as bad as it was in when I first joined. I am getting stressed as we come into the holidays. Plus our FS amount has dropped $120 in the last 6 months. We had to re-certify on a month that DH got a paid holiday plus worked so we got double paid for 1 day (which very rarely happens) but instead of taking the average from what he normally gets they used that, so they went down about $80. Then we got another $40 drop thanks to the Farm Bill and whatever other nonsense the government has cut from FS. Our rent went up $15, not much, but enough to cause more stress. Also DH's employer changed to winter hours which means he will likely lose an hour or 2 each week. It is all piling up on me along with being super busy withe kids and getting no time for me, this introvert is feeling a nervous break down coming on.

 

I was also sort of hoping that my family would get to move into my grandpa's house too. He passed away almost a year ago and my mom is having a hard time getting his girlfriend out. I really was holding out hope that they could get her out soon and my family would be able to rent the house from my mom, aunt and uncle. However grandpa's girlfriend is being difficult (I think he has some honest mental illness) and she is leaving the house rather damaged. My mom, aunt, and uncle just want to sell it and be done. I shouldn't be surprised and I never should have expected to get the chance anyway but I let myself get my hopes up and now I am really depressed now. Plus this is the house that my mom grew up in. My grandparents have lived there since the 60's. I am so sad just to not have the house in the family anymore.

 

I am trying to just be thankful that we have a home and food at all, but I can't deny the sadness I have as well. I feel extremely guilty whenever people say it could be so much worse. I know my life could be worse and I am thankful that it we are healthy and all of that, but it just gets frustrating and it does just plain "suck" sometimes. If the US didn't pay poverty wages life would be so much better for SO MANY people. (Sorry rant over :o)

post #1153 of 1405

I don't know if LIHEAP is the same everywhere or operated differently depending on state, but LIHEAP (Low-Income Heating Assistance Program if you didn't know or if it's something else where you live) is coming up mid-November. I've done it the past four years and usually get about $300 put on my utility bill. Usually though, by the time LIHEAP comes around, I'm behind a month and my utility bills are around $100-150 (depending on if I was living somewhere that used gas or not).

This time, I'm living in a super energy-efficient home (bill is under $50) and my household size has dropped, but my income has dropped drastically (technically $425/mo). I'm also technically $150 ahead on my bill because my deposit was split into three payments but when I got my loans disbursed I paid it off, but they're still billing it ever month instead of just taking the deposit off. Anyway, I'm wondering if they look at my bill and see that it's small and I'm that far ahead, are they still going to give me the subsidy or are they going to just think "she doesn't need it". The only reason I'm so far ahead right now is because of my financial aid, but come November -- January I'm going to have very little money.

post #1154 of 1405

I am so stressed....does anyone know of any place that helps with car insurance? I owe $200 and it will get cancelled soon...Usually I pay it yearly with income tax but it wasn't possible this year with finding a place to live :( it has been rough trying to keep it paid and with the shutdown and loosing hours I just can't swing it....I have to have my vehicle to get to work...I am hoping that my classes with be reinstated also with this shutdown thing calming down....Any suggestions that could help? 

post #1155 of 1405
Quote:
Originally Posted by Mylie View Post
 

I am so stressed....does anyone know of any place that helps with car insurance? I owe $200 and it will get cancelled soon...Usually I pay it yearly with income tax but it wasn't possible this year with finding a place to live :( it has been rough trying to keep it paid and with the shutdown and loosing hours I just can't swing it....I have to have my vehicle to get to work...I am hoping that my classes with be reinstated also with this shutdown thing calming down....Any suggestions that could help? 

First, if you have TANF they may pay for it.They do in my state.

Secondly if not, you may try to put in an application with ModestNeeds.org

post #1156 of 1405
Quote:
Originally Posted by thatgirliknew View Post
 

I don't know if LIHEAP is the same everywhere or operated differently depending on state, but LIHEAP (Low-Income Heating Assistance Program if you didn't know or if it's something else where you live) is coming up mid-November. I've done it the past four years and usually get about $300 put on my utility bill. Usually though, by the time LIHEAP comes around, I'm behind a month and my utility bills are around $100-150 (depending on if I was living somewhere that used gas or not).

This time, I'm living in a super energy-efficient home (bill is under $50) and my household size has dropped, but my income has dropped drastically (technically $425/mo). I'm also technically $150 ahead on my bill because my deposit was split into three payments but when I got my loans disbursed I paid it off, but they're still billing it ever month instead of just taking the deposit off. Anyway, I'm wondering if they look at my bill and see that it's small and I'm that far ahead, are they still going to give me the subsidy or are they going to just think "she doesn't need it". The only reason I'm so far ahead right now is because of my financial aid, but come November -- January I'm going to have very little money.

Last year I still had a credit on my gas bill from the previous year's heating assistance since I ended up having a pay a huge portion of it(They get on your case right before the winter moratorium and right before heating assistance grants are handed out and do shut-off's before each so I had to pay.).  But I still got a nice big chuck of money from LIHEAP anyway.  I think you'll be okay.  I have a credit right now and I may apply again because I know we qualify and I know that it's going to be extremely difficult to pay $150 a month until April.

post #1157 of 1405
Thread Starter 

My LIHEAP is a small amount credited to my bill each month (that eventually works out to about one months bills per year).  I can apply anytime during the year and the application is approved w.in 30-60 days. I guess it just depends on the power company?

 

Those of you with varied payrolls, if your pay changes go and put in a 'change report' with DES to get your foodstamps/benefits increased.

post #1158 of 1405

I *think* LIHEAP here is the County Program I just qualified for. You can apply anytime {if you go through the backdoor agency}, and get either 6 or 8 months of bill help depending on income, demographics, etc. They are paying 7 months of my bill with payments of $100 or so, which is about $30 more than my normal summer bill is, and a little less than my normal winter bill. Plus they paid the past due balance of $152. So in total somewhere around $860 for us. But we are pretty much bottom of the barrel low income right now so probably got the max. I am so excited - with this we are finally going to be able to get out of this financial hole I think, and actually be warm in the house this winter. Last winter we couldn't afford to run the space heaters enough to keep it really warm - just enough to take the edge off. I am hoping to be able to bank enough back after paying the taxes, to put central a/c & heat in. I have a friend that can get me a used system for about $300, and install for $700 or so. I know that the gas furnace would be cheaper than the space heaters we are using now by far {they nearly double the bill :( }, and it would be lovely to have a/c in summer too.

 

 

Got our House tax bill in the mail yesterday. School tax is $300 & must be paid by the end of January {which gripes me as we don't get a single service from the district}. Property tax is $480, but I can split it in two payments if I can come up with half by the end of November. Otherwise it's due the end of January as well :( I *think* I'll be able to do it, but we'll see. Going to have to work like crazy to try to get the half of the property tax by the end of November.

post #1159 of 1405
We have had a pretty nice couple days. Last night ds started feeling better so we did all our grocery shopping and had deli takeout. Thanks to deals we were able to purchase a few more things to donate plus dinner out. Then today we went to an out of the way pumpkin patch with a free play are and free hayrides. The kids played like crazy. They also got a neat science/agriculture lesson as the patch had a display of approx twenty different heirloom pumpkins from around the world. Since they are display pieces the kids could touch them and there were
plaques with info. Of course we ended up splurging on local honey, cider, salsa, and a huge pumpkin. Then we played at the park and carved pumpkins with my neices, which was a first for my little ones. We ended the night watching nightmare before christmas and eating mocha fudge brownies. Now dd is playing and son and hubby are askeep. Im doing laundry, no rest for the wicked.

In money news, we have to submit information for my glasses deductible, but luckily we have it. And medicaid is trying to claim we havent paid the premiums for the kids. We have, but we changed accts since we had our check book stolen. So we have to fight with them monday. And this was the second week without overtime for the hubs, which us a bit unnerving. All our bills are paid and food is in our tummies but Im not sure how Im going ti pay the cc off. Luckily it is interest free until June and will be paid off by then. If overtime doesnt puck up christmas may be tighter though. Speaking of christmas gifts, can anyine recommend a good family game for soneone with older kids. This may be the way ti go for my sis, along with snacks.
Edited by happyhats - 10/19/13 at 9:40pm
post #1160 of 1405
Quote:
Originally Posted by zebra15 View Post
 

My LIHEAP is a small amount credited to my bill each month (that eventually works out to about one months bills per year).  I can apply anytime during the year and the application is approved w.in 30-60 days. I guess it just depends on the power company?

 

Those of you with varied payrolls, if your pay changes go and put in a 'change report' with DES to get your foodstamps/benefits increased.

 

Quote:
Originally Posted by zebra15 View Post
 

My LIHEAP is a small amount credited to my bill each month (that eventually works out to about one months bills per year).  I can apply anytime during the year and the application is approved w.in 30-60 days. I guess it just depends on the power company?

 

Those of you with varied payrolls, if your pay changes go and put in a 'change report' with DES to get your foodstamps/benefits increased.

Maybe the state or county? Where I've lived in Indiana and in KY, it's been that you can do a subsidy request between November 1st and December 31st. That amount is dependent on income. And then from Jan 1st until funds run out (usually Feb, sometimes March) it's a crisis phase where you must have a disconnect notice, and they'll only pay the past due amount.

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