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~~~~2013 Low Income Support Thread~~~~ - Page 3

post #41 of 1405
I am glad he is ok. Sometimes pets are worth the trouble. We just fostered (and adopted) a lab over Christmas break. We are pretty strapped financially, but he has brought such happiness and fun to our house that he is worth it. We needed him just as much or more than he needed us. We just didn't know it until he came home with us.
post #42 of 1405

Being broke the past few days here has meant that I couldn't spend any money. No stopping at the drive-thrus, no picking up a few things at the grocery store. We've eaten what we had at the house, did the WIC "shopping," which helped. Not buying things that I wanted (when it's not like we had no food at home) has probably been good for me.

post #43 of 1405
Quote:
Originally Posted by phathui5 View Post

Being broke the past few days here has meant that I couldn't spend any money. No stopping at the drive-thrus, no picking up a few things at the grocery store. We've eaten what we had at the house, did the WIC "shopping," which helped. Not buying things that I wanted (when it's not like we had no food at home) has probably been good for me.


I have been in the same boat this week.  Just when things start to look up, something comes crashing down.

 

My car died on me about 2 weeks ago.  Finally got the money together to get it fixed.  DH will do the work just needed to get the part. 

 

I start back at my seasonal job next week.  So we will have some money to put aside for later in the year.  Hope to find something better later in the year so that I can have some sort of insurance.  My medicaid just ran out, don't know how I'm going to pay for my meds.  Looked online at a place I heard good things about and they are pretty resonable in price.  Just hate to go that route.

 

Hope things start to look up for everyone soon.

 

love and blessings

angie

post #44 of 1405

Hello all, been away from mdc...was on this thread a couple of years ago and then went into denial...back on mdc trying to regroup

post #45 of 1405

I have had a very stressful 2012, but it seems as if we are about to rise from it.

I have been living with my husband, two children, and roommate. We were financially struggling the whole year through. And DH and I had been together for six years and we just decided to go our separate ways. It's completely amicable, but he's decided he wants to move to his own home and have me and our roommate get our own place.

The only bad thing about that is there has always been an agreement with DH that I don't work. I'm currently a full-time college student with no job experience. I have $5000 coming in on grants in a week or so to afford the initial cost of obtaining housing and such; but I have to scramble to find a job because that money will not last very long. To be honest, once I get a job and so does the roommate we will be doing much better financially. DH never seemed to pay bills or do necessary car repairs, etc. The roomie and I have found a 3 BR house for us we are going to look at this weekend for less than $500 and helped DH find a 2 br house for less than $400. I will get food stamps and medical for the kids. And both of my kids I will have only half of the time, so I suppose expenses related to food and utilities will go way down. And I'm going to try all the frugal things DH couldn't get behind. (Growing food, canning, line-drying clothes, etc.) I do need to fix my car very badly and pay off this stupid lien on it, so there's $1500 down already. Plus, I will have to adjust to working and school full-time and pay a babysitter if me and Roomie are on the same schedule, but I am so excited about this new start!

post #46 of 1405

Oh, and I've started doing random money makers in my "boredom" time when I can't sleep but the kids are already asleep. Survey sites, ChaCha, RewardPoint, Mypoints... Those kind of things to make a little bit of extra money. Like, I made $29 on PayPal last night... Every penny helps.

post #47 of 1405
Quote:
Originally Posted by micah_mae_ View Post

So my son broke our PS3. I couldn't really care less, it sucks but eh. My DH on the other hand plays several hours of NHL13 a night. Today he says "I think we should get a new PS3 with our tax return. Sorry to break it to you honey but that tax return is already gone to bills and necessary things. I'm just irritated because he never takes an interest in our finances until he wants something silly.

 

STBXDH is the same, exact way. I love him to death, but he has taken us to the edge of ruin and we have nothing to show for it. We are on higher end of poverty scale, but we would be doing so much better if he would just let me handle finances. That's the reason he's my STBX.

post #48 of 1405

Oops. I double posted.


Edited by thatgirliknew - 2/1/13 at 12:57pm
post #49 of 1405
Quote:
Originally Posted by thatgirliknew View Post

Oh, and I've started doing random money makers in my "boredom" time when I can't sleep but the kids are already asleep. Survey sites, ChaCha, RewardPoint, Mypoints... Those kind of things to make a little bit of extra money. Like, I made $29 on PayPal last night... Every penny helps.

 

How did you make $29 in a night on those sites?

post #50 of 1405

Welcome!  I think you'll find your bills go WAY down when you are the only one responsible for them.  There's no miscommunications, no one spending from the acct aside from you, etc.  It's very easy to get control of the finances and you only have yourself to blame if you mess them up.  winky.gif  After my exhusband left, we had very very tight financials but it was somehow easier because I didn't have him blowing our money on cigarettes and beer and dvd's all day long.  There was no fighting.  If there wasn't enough money for bills because of stuff that was bought through the month, I had no one to blame but myself.  It was freeing in a way.

post #51 of 1405
Quote:
Originally Posted by justmama View Post

Welcome!  I think you'll find your bills go WAY down when you are the only one responsible for them.  There's no miscommunications, no one spending from the acct aside from you, etc.  It's very easy to get control of the finances and you only have yourself to blame if you mess them up.  winky.gif
  After my exhusband left, we had very very tight financials but it was somehow easier because I didn't have him blowing our money on cigarettes and beer and dvd's all day long.  There was no fighting.  If there wasn't enough money for bills because of stuff that was bought through the month, I had no one to blame but myself.  It was freeing in a way.

I completely agree with this! Money is tight since the divorce, but no worries about where the money is going. It is very freeing.
post #52 of 1405
Quote:
Originally Posted by phathui5 View Post

 

How did you make $29 in a night on those sites?

 



To be fair, I think I had a little bit on my ChaCha account already. But I can count on at least one gift card to Amazon or Paypal deposit each month from Swagbucks, RewardPort, and ChaCha.

post #53 of 1405
Quote:
Originally Posted by justmama View Post

Welcome!  I think you'll find your bills go WAY down when you are the only one responsible for them.  There's no miscommunications, no one spending from the acct aside from you, etc.  It's very easy to get control of the finances and you only have yourself to blame if you mess them up.  winky.gif  After my exhusband left, we had very very tight financials but it was somehow easier because I didn't have him blowing our money on cigarettes and beer and dvd's all day long.  There was no fighting.  If there wasn't enough money for bills because of stuff that was bought through the month, I had no one to blame but myself.  It was freeing in a way.


I am still going to be living with the roommate, but he has no control over what my money is spent on, so I'm okay with that. I still have someone to share the bills with, I just don't have to worry about him blowing my money. I am looking forward to the freedom. I also had to drive him everywhere because he couldn't drive. (I don't fault him for that, just a fact that I had to spend a lot of time driving him about) so I will have more time available too.

post #54 of 1405

Hi, I would like to join this thread too. We are a family of 6 with one income. DH makes good money IMO ($18 hr) but it just doesn't go far and according to all the "charts" we are under the poverty line. We have just enough for basics and its gone. We have lots of debts and have come to the conclusion that bankruptcy is our only option. We lost a home in 2010 during the worst of the housing crisis. We had to move and we just couldn't sell it. Once we lost that we kind of just gave up trying to climb out of debt. Our credit was shot anyway. 

 

I am kind of in grieving mode right now because we made a huge life change in Sept to be more self-sufficient but it didn't work out. We moved out of state to take over FIL's old homestead. FIL still lives there but just in one room. We knew it needed work but we were blown away when we got there. We hadn't seen it in two years since MIL's funeral and in that time it had become totally unlivable. FIL is clearly a hoarder. When MIL was still alive she kept his crap out to the shed/yard/barn, but in two years it had completely overcome the entire house. There was a not a clean surface in the house, not a place to set down the baby, rotten food in the fridge and cupboards, a layer of dust and cobwebs everywhere. And the worse part was he got upset by any of our attempts to fix the problem. He can't let go of any of it. He just started hoarding stuff into his room. On top of all that, there was a a leaky roof and water damage and everything smelled of mold. We had no money to do anything else but stay....all our money went into getting us up there! Then FIL decides that we should pay him rent. WHAT?!? When we made plans to go there, we were told he was giving us the place because he wanted it to stay in the family. We gave up everything to go up there, fix it up, plant a garden, get livestock, etc. But it was clearly not going to work. DH started a job and was working long hours. I was stuck for 12 hours a day by myself with 4 kids in a horrible, dark, stinky, messy hovel. It was honestly horrible, traumatic even. I have never been so desperate to escape from somewhere in all my life. 

 

Right before Christmas we were finally able to move. We had saved enough and pretty much our kids whole Christmas was getting us into a new place. Housing is expensive here though and DH is traveling for work so gas eats up a lot of our budget. I am trying to be positive but I feel really sad that we gave up so much to come here and we are not really better off financially. DH gets paid more, but our costs are more too. And I am really lonely. I know no one here. :( 

 

I have options for work but most of the jobs are around $10/hr and we have two kids who need daycare. Daycare here is the third highest in the nation according to the web and state help is not good in that dept. Plus part of the move included us starting homeschooling, which is just starting to take off in the right direction (thank goodness) so I really don't want to bail on my kids and stick everyone in school/daycare for probably very little monetary benefit. 

 

What I really don't get is that no matter how much DH and I try to downsize, downshift, minimize and simplify, we still have no money! We barely cover our basics and there is nothing left. And we have two really bad cars right now. And no tax return coming because of defaulted student loans (so ashamed but what can I do - if its not there its not there and they wouldn't do a forbearance or deferment again). 

 

Still waiting on DH's insurance to kick in and my asthma is not responding well to the change in climate. Its wet here and I am struggling with dust mite allergy for the first time (a terrible asthma trigger). No dust mites in the desert we moved from....sigh.

 

Ok, pity party over. I hate to be negative, but its been hard and its been nice to vent! 

post #55 of 1405

Really hoping this year gets better.

 

We just can't afford to cut out anywhere, no smartphones, basic necessities, and we just have too many bills (and not enough money coming in).

The only thing DD is getting for her second birthday is new sneakers (which are a necessity) - it's heartbreaking.

 

We're in the same position as most of you, due to increasing taxes, we're making even less - EVEN THOUGH DP actually got a promotion at work! Then, you throw on top of everything the fact that groceries are increasing in price - and the things that are terrible for us are the least expensive. We've budgeted down the last cent - and we're WAY over, with nowhere to go. I'm emotionally exhausted.

post #56 of 1405
Quote:
Originally Posted by MamaArmadillo View Post

Really hoping this year gets better.

 

We just can't afford to cut out anywhere, no smartphones, basic necessities, and we just have too many bills (and not enough money coming in).

The only thing DD is getting for her second birthday is new sneakers (which are a necessity) - it's heartbreaking.

 

We're in the same position as most of you, due to increasing taxes, we're making even less - EVEN THOUGH DP actually got a promotion at work! Then, you throw on top of everything the fact that groceries are increasing in price - and the things that are terrible for us are the least expensive. We've budgeted down the last cent - and we're WAY over, with nowhere to go. I'm emotionally exhausted.

 

Do you have Freecycle in your area? That is how I was able to get my children's holidays taken care of. Otherwise, I wouldn't have been able to give them anything. Google Freecycle and your city or a nearby big city.

post #57 of 1405
Quote:
Originally Posted by thatgirliknew View Post

 



To be fair, I think I had a little bit on my ChaCha account already. But I can count on at least one gift card to Amazon or Paypal deposit each month from Swagbucks, RewardPort, and ChaCha.

 I do SwagBucks as well and love that. I used to do ChaCha but I stopped because it didn't seem to be even worth the time and energy anymore, even for someone who is desperate. I deactivated my account. I would be more than willing to do it again if the pay was worth the time input.

post #58 of 1405
Thread Starter 

New job is not making ends meet.  Immediately posted for a promotion. Waiting to hear what happens with that.  I have medical and FS until the end of March, if not promotion by then, I need to quit to keep bene's.  How whacked is that??

 

Can't afford $300 month premiums plus 4500$ out of pocket then 80/20 for medical.  I only make $12/hr.   Crossing everything for a promotion to mgnt asap.

post #59 of 1405
Quote:
Originally Posted by zebra15 View Post

New job is not making ends meet.  Immediately posted for a promotion. Waiting to hear what happens with that.  I have medical and FS until the end of March, if not promotion by then, I need to quit to keep bene's.  How whacked is that??

Can't afford $300 month premiums plus 4500$ out of pocket then 80/20 for medical.  I only make $12/hr.   Crossing everything for a promotion to mgnt asap.
It is so sad that things are set up like that. grouphug.gif:
post #60 of 1405

A lot of rough situations out there.  I'm not surprised but more saddened really.  America is such a world power and even here we have people struggling just to survive.  I know they say that Americans don't know poverty because we have food to eat and phones and homes and such but this isn't India where you can set up a shack and live there for free.  You HAVE to have a home or you are arrested.  

 

I just lost a nice big chunk of change per month.  $200 to be exact.  Two of the kids I watch in the mornings are going to daycare instead of coming to me.  It's for reasons completely unrelated to me and the mom and I are on friendly terms but it kinda stinks that I'm losing all that money.  Tomorrow is their last day.  irked.gif  Just when I was getting used to being able to pay my bills.  lol.gif

 

So tomorrow we, along with the rest of New England, are expecting a massive blizzard and 2ft of snow.  I guess current estimates say 18-24inches.  I'm just hoping we keep our power because it's a several mile walk to my parents' house with 3 kids along a MAJOR road(not that anyone will be driving on it) in white-out conditions to get to somewhere warm.  They are our fallback plan if we lose power and it gets too cold.  We have a gas stove for cooking on but my parents have a fireplace and just got a cord of wood delivered so they'll be warm even if the power goes out.  So it would suck but I guess having them for a back-up plan is better than most people have right?  

 

 

This week I'm grateful for:

 

-a snow day to watch 2 extra kids and make extra money

 

-my landlord came over today and replaced 2 blown fuses and the outlets in my basement work again.  Yay for running laundries and being able to SEE down there again!  It's been about 2 weeks.

 

-my coffee pot.  she's always ready for me at 5:30am when my extra kids show up on my doorstep.  I love her!

 

-tax money came in a few days ago and I just got my check for my part of the taxes from my ex today.  I can't wait to cash it and get new tires for my car.  Desperately needed.  

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