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2014 Low Income Support Thread - Page 6

post #101 of 451
Quote:
Originally Posted by zebra15 View Post
 

Oh frugal mamam- you gotta get the water fixed.  we do so much laundry and dishes and showers here there is no way I could function with out water. (DS is on swim team and that alone is one load of laundry a day plus a shower for him).

 

I did ebay in december and didnt realize the 'fees'.. OMG the fees. like 25% on everything, inlcuding shipping.  then paypal fees.  So NOT worth it.  Good thing I only sold high $$ lego's so I made decent $$ even after fees but next year I need a different plan.  Either facebook local sales or craigslist or something.  

 

My mental state is whacked out and all I seem to do is panic.  January s*cks.


I know I need to get it fixed, but right now it's just too $$$ to even think about right now. I am pretty sure the cause is either A. Partially collapsed sewage pipe in the backyard, or B. Tree roots grown through said pipe. It's $100+ just to get it scoped to see what the problem is :( And if it's the pipe, I'm looking at probably around $500-$700 to fix, and that's with a friend doing most of the work instead of hiring a plumber. Maybe less if they can auger it, but that would be a temporary fix at best. Someday it'll get fixed, but until then....I just have to be careful & babysit it when running water. I am debating, when I can get $$ scraped together, of having my handyman cut into the washer drain pipe {it's on an exterior wall} & add in a t-valve so I can run it out in the backyard instead of down the pipes. We have to water our house foundations here in summer, so it would be recycling the water too lol. That would help a lot.

 

We can get by as long as I'm careful - If I do a load of laundry every day 1st thing in the morning, then normally I can run a load of dishes or take a shower at night without it backing up. Most of the time, as long as I stay on top of the laundry situation, that is plenty for us. We do dishes maybe once a day, once every other day. We make about a load of laundry a day IF dd doesn't have any accidents at night & need extra bedding washed.

post #102 of 451

Things here are busy, but mostly good.  Waiting to find out if a check arrived at dh's place- if it did, I will be taking him there tomorrow then spending the night before coming home. The house stuff continues to go well, and DH has a meeting on Wednesday about his promotion. Overall, our income is actually quite good, but with paying two house costs and extra transportation, it's been a matter of just getting by while DH was earning training wage after moving to this new career.  The promotion will probably mean staff housing (yay, an extra $1000 back in our pockets) and staff vehicles (another $500ish  a month) along with a raise of about $1500 a month (more if he works extra ovvertime) so we are beginning to feel some financial relief. 

In other news, we will hopefully be having child #5!!  next September.  I had just begun to make peace with the fact that we were not having any success, and shifting my thinking to 'life without a little tiny person' but, apparently the universe had other plans.  We are thrilled, and hopeful.  However, I lost all symptoms a couple days ago, so I am just kind of in a wait and see pattern for now. 

 

post #103 of 451

crunchymama - Congrats on the new baby! My babies always seemed to come at the wrong time as well but we've always made it and I don't think there's every really a "right" time so this is great news! I would take the baby to a doctor for testing just to be sure. 

 

frugalmama - I hope you can figure out how to get the water fixed. Water issues suck. My sis is having similar problems too and it's going to be crazy expensive... like moving might be cheaper :(. I would have gotten toss dishes as well just to make things easier. The dollar stores often have tossable cookware as well if you think that'd help you. 

 

Rainbow - That's great about your dh's promotion. I'll keep you in my thoughts and hope he gets it. It sounds like a great thing for yall.

 

Just getting through here til dh gets home on Wed night. We need some down time after him losing his promotion. I guess we'll be discussing things and weighing our options this week to come up with a new plan. We will start putting things up for sale this week and hopefully can get some stuff sold off to start saving for a new place. I've been lucky in getting a little extra money to put up from work as well so I'm hopeful.

post #104 of 451

rainbow, don't lose hope over losing your symptoms. That happened to me with all four kiddos and even #5 (now). It was literally overnight and I freaked out each time. Congrats!!! How lovely! A new home, a new baby, a promotion - awesome news. :thumb :bgbounce

post #105 of 451
Thread Starter 

DS13 has a side job ;( he is winding yarn for a few girls in my yarn club 50c a skien.  we have a borrowed swift and ball winder.  not bad since each skien takes about 2 mins.

i feel sooooo guilty that ds is 'working' but he needs $$ for going out and I just dont have it to give him.   dang i would gladly wind yarn at this point.    the stinker made $27 last week from ONE lady.

 

remind me most 13 yr olds can babysit, do yard work, etc and this 'side job' of his is really no different.  its not like im sending him to work...

post #106 of 451
zebra, you are teaching him well. By working for his spending money, he is learning the value of the dollar fast and will probably end up having better money skills than most of his peers in five years time. We were struggling financially growing up, but mom never let me get a job.. she said she would have felt awful about not being able to provide 'enough'. I think she had the wrong attitude to be honest.. I would have benefited greatly from a side job as a teen. It would have definitely taught me better money management than I learnt from getting an allowance instead. Please don't feel bad.. you're really not doing him a disservice at all.
post #107 of 451
Quote:
Originally Posted by LoveOurBabies View Post

zebra, you are teaching him well. By working for his spending money, he is learning the value of the dollar fast and will probably end up having better money skills than most of his peers in five years time. We were struggling financially growing up, but mom never let me get a job.. she said she would have felt awful about not being able to provide 'enough'. I think she had the wrong attitude to be honest.. I would have benefited greatly from a side job as a teen. It would have definitely taught me better money management than I learnt from getting an allowance instead. Please don't feel bad.. you're really not doing him a disservice at all.

:yeah  I had my first job at 8!!!! My dad taught youth golf lessons at the local country club and I went with him. I was given a job to wipe down the tables in the club house and vacuum the carpets and I got paid to do it. I was THE coolest 8 year old in town! I used that money to buy my own parakeet and all it's supplies plus purchase it's feed and litter afterwards. It taught me a lot about saving my money for things and how best to spend it. I started working regularly babysitting at 12 and have almost always had at least a part time job since. I think it's been a great thing for me. My younger sister starting babysitting at 12 and my brother started lawnmowing around the same age. My mom would even work with us on family budget to get what we wanted (i.e. Here's the $20 to buy the Levi's for school if you want the Calvin Kleins save your money for the extra $30)... good way to learn frugality and what's worth spending your money on lol

post #108 of 451

Agreed.  Great attitude about money for him.  My oldest was babysitting her sisters for me this summer for short periods of time(ie, 30 minutes).  She was 12.  She loved having extra money and it was good for me because it allowed me to make extra money babysitting two other kids.  I just had to drive them to their camp and needed my kids watched while I did it since they all wouldn't fit in my car.  It worked for all of us.  I've been working small jobs here and there since I was 14.  I see no problem being inventive to earn money at any age.  My middle daughter sold girl scouts cookies to anyone she could last year trying to earn a week at camp with the credits.  She was 8.  And she ended up going and loving it.

post #109 of 451

I pay my daughter to help with the little kids- I get a chance to go grocery shopping without help- she earns a few bucks to have when she wants to go out.  I think it is important for her to make a connection with earning money, and being aware of its value.  I will continue to do that even when our income goes up.

Speaking of our income going up- my husband got the promotion AND is moving to staff housing right away.  No more two-houses to pay for!!  All he needs to pay for is his food there, and other random costs, but this business of paying $1000 for a single room every month has been killing us. 

I am waiting to find out if the money we are getting  (backpay from the UCCB) is at his place yet.  The Canadian government has gone back 11 months oln it, and at $100 per month for each of the three kids under 6, it's nearly $4000.  Unfortunately, they sent it as a check instead of direct deposit, so I am waiting for it to arrive and go into the bank. 

I think we are beginning to segue out of the 'low income' bracket, but until we find firm footing, it is where I feel most at home. It's nice to feel like there might be a light at the end of the tunnel. 

post #110 of 451

Zebra - Nothing wrong with kids working for what they want.

 

Rainbow - that is wonderful news! And even if you aren't technically "low income" anymore - you are welcome here. We'd miss you if you left us :)

 

 

Calculated the electric & gas bill today as it was meter read day - not sure if I did something wrong in the math or what, but it's looking like it will be around $300. Our normal bill is $125 or so in winter, $75 in summer. Guess I'll be calling as soon as I get the actual bill to see where I can get help with it. I know it was extra cold & we were running 2 heaters for a good week straight, but didn't think it would be that high. Next winter I need to plastic the windows & stuff to try to cut down on the cost. Our house has single pane windows & they leak air like crazy, even with fleece blankets over them.

 

Trying to make $$$ - my favorite thrift shop is doing .99 sweaters on the 31st, so I am hoping to pick up a bunch for my sweater buyer gig, as well as scope the store for anything ebay-worthy. When I was there this week I found a few things - mostly scouting uniforms & stuff. Going to 2, maybe 3, Goodwill's tomorrow while running errands - hoping to find more sweaters cheap & hunt for ebay stuff. Getting dd to go along with it as a "hunt for American girl stuff" - since lots of folks have been reporting finding used AG dolls for cheap at goodwills lately. Maybe by some miracle we will find one to add to her collection. She is an Aspie, and right now her THING is American Girl. Just glad it's not something bad! Though if I hear the Kit movie or Molly movie one more time I think I will start wearing ear plugs lol.

 

Greatfuls:

~Warmth

~No pipe backups {though I think we've come close a few times - you can smell it before it fully backs up, sometimes}. And ALMOST caught up on laundry. I think I should have it all done by Sunday hopefully.

~The possibility of SNOW Friday very early in the AM. Snow is pretty rare here & dd is so hoping it will actually snow! It did a little 3 years ago & she still remembers it in detail, lol.

post #111 of 451

Rainbow, don't leave us.  We love you.

 

 

Frugalmama, we are getting a foot of snow tonight into tomorrow with below *ero temps again.  Want me send you some???  We can spare it.  

 

 

Kids are out of school tomorrow because the bulk of the snow is concentrated in the overnight and early morning hours so the plows can't clear it fast enough.  But it's all good.  We have a playdate with some friends for sledding at the neighborhood hill around the corner  and I'll host everyone with some cocoa and chicken noodle soup I pulled from the free*er today.  Maybe I'll get ambitious and start some homemade bread tonight(that's a good plan, I think I will).  And hopefully we'll get some packing done in the kids' rooms before I have to go to work.  

 

So I cut up my credit card 6 years ago and completely paid it off.  I never got another one.  I basically have NO credit and a history of delinquency before it was paid off.  Like, serious delinquency.  I applied for a credit card through capital one and was denied.  I applied for one through my bank to build my credit and was denied again.  Capital one said my score was 679 average and my bank said 633.  I don't want to keep applying and get denied but obviously I need to build credit again.  Thoughts?  I need to go car shopping soon but I KNOW I'm going to be denied without a co-signer because of my lack of recent credit history and if I DO get approved it'll be at SICK interest.  How do I fix this pickle I put myself in?  

post #112 of 451
Quote:
Originally Posted by justmama View Post
 

 

So I cut up my credit card 6 years ago and completely paid it off.  I never got another one.  I basically have NO credit and a history of delinquency before it was paid off.  Like, serious delinquency.  I applied for a credit card through capital one and was denied.  I applied for one through my bank to build my credit and was denied again.  Capital one said my score was 679 average and my bank said 633.  I don't want to keep applying and get denied but obviously I need to build credit again.  Thoughts?  I need to go car shopping soon but I KNOW I'm going to be denied without a co-signer because of my lack of recent credit history and if I DO get approved it'll be at SICK interest.  How do I fix this pickle I put myself in?  



We have a car loan through a cray high interest place, as part of our credit repair.  But the other thing you can do is to go with a secured card for a while- it just means paying up front for it (tax refund maybe?) your bank may be able to help you with that if you ask for a credit repair card. 

post #113 of 451

Also, I have to pass along that the Z key issue appears to be contagious.  I have to press mine a few times to actually get it to show now. 

I may or may not have giggled when it began to die a slow and painful death. 

post #114 of 451
Quote:
Originally Posted by justmama View Post
 

Rainbow, don't leave us.  We love you.

 

 

Frugalmama, we are getting a foot of snow tonight into tomorrow with below *ero temps again.  Want me send you some???  We can spare it.  

 

 

Kids are out of school tomorrow because the bulk of the snow is concentrated in the overnight and early morning hours so the plows can't clear it fast enough.  But it's all good.  We have a playdate with some friends for sledding at the neighborhood hill around the corner  and I'll host everyone with some cocoa and chicken noodle soup I pulled from the free*er today.  Maybe I'll get ambitious and start some homemade bread tonight(that's a good plan, I think I will).  And hopefully we'll get some packing done in the kids' rooms before I have to go to work.  

 

So I cut up my credit card 6 years ago and completely paid it off.  I never got another one.  I basically have NO credit and a history of delinquency before it was paid off.  Like, serious delinquency.  I applied for a credit card through capital one and was denied.  I applied for one through my bank to build my credit and was denied again.  Capital one said my score was 679 average and my bank said 633.  I don't want to keep applying and get denied but obviously I need to build credit again.  Thoughts?  I need to go car shopping soon but I KNOW I'm going to be denied without a co-signer because of my lack of recent credit history and if I DO get approved it'll be at SICK interest.  How do I fix this pickle I put myself in?  


My dd would love a foot of snow - the most she's ever seen was about 1/2 inch! Me on the other hand - not so much. But your sledding idea sounds like fun!

 

I wonder on the CC issue. My credit is SHOT - seriously my score is in the low 500's & I have defaulted student loans up the whazoo, and CapitalOne approved me for a $300 CC. I was totally amazed when they did, honestly. What are you putting down for income? I was surprised on my application to find that you could count public assistance as income. Pretty sure that's how we got approved, as I added our SNAP to actual income & then padded a bit to account for medicaid. Per the booklet I got with my app "not eligible if: My monthly income does not exceed my monthly rent/mortgage payment by at least $425 {monthly income is disclosed annual income divided by 12} or I am otherwise determined to be unable to make my monthly payments based on income, estimated living expenses and other debt I am responsible for". Maybe try again with your new lower rent amount? Or pad your income a bit? If not then maybe try one of the secured CC's - you have to send in a deposit basically, but I've heard they can build credit. Or try to find someplace that does credit counseling & ask what they recommend you to do to build a credit history.

post #115 of 451
Quote:
Originally Posted by RainbowAsylum View Post
 

Also, I have to pass along that the Z key issue appears to be contagious.  I have to press mine a few times to actually get it to show now. 

I may or may not have giggled when it began to die a slow and painful death. 

 

LOL. I keep waiting for mine to go out - right now the Delete, Home, and Page Down buttons are all nonworking on my laptop. Thankfully backspace works to delete things!

post #116 of 451

I had been getting by with a keyboard plugged into the usb port, but I only have one working at the moment, so the mouse is there, and I keep meaning to get one of the octopus things, but then I forget. 

I need this computer to make it at least another year... 

post #117 of 451

LOL the computer issues definitely seem to be bad on this thread. My poor old laptop lost a few keys and well.... we lost a ton of the actual key parts trying to take the thing apart and clean it (thanks kids!). I have an external keyboard hooked up to it through usb too! My little pad for the mouse area acts up sometimes too so I may have to get one of those external soon. Of course it has some bad lag time and stuff too but I can't get it fixed. I really need to replace the silly old thing but that's faaaarrrrr down on my list of priorities. Darned computers lol

 

 

Things seem to be improving a little here. I'm going to start working one extra night a week every other week... when dh is home so no childcare costs! Plus my boss asked me to take over inventory and stocking also. I'll work one day a week (I get to choose the day!) and do inventory for her. It shouldn't take long once I get the system set up how I want it but even if it only takes me 1-2 hrs I'll still be getting paid 8 hrs!!! No way will this ever take me 8 hrs of work once I get it set up since it's a small bar so not a ton of inventory. That's going to be a big help especially since I'll get paid for more time than I'll really be there. I'm going to ask about dd but if she can't come then I'll have to get a sitter for her while I do it every other week when dh isn't home but I think MIL might do it so no childcare or cheap childcare at least. Yay!

post #118 of 451

Rainbow, I love that your * key(hahahaha) is dying too.  The comraderie on this board is awesome!  Either that or I'm infecting you all with my ghetto laptop from afar.  But whatev.  ;)

 

So my bank told me about that secured credit thing.  It's $1K to do it.  I may HAVE to do it with my taxes OR just just take the $1600 I have saved along with the $3k I'm likely to get back from taxes and just get a car with that.  I mean, that should work too right?  I'm using my full income amt with babysitting and my job and income.  It said as of 1/14/14 my credit score was a 633.  This score can range from a low of 250 to a high of 900.  Key factors that adversely affect my score: serious delinquency, too few acct currently paid as agree, lack of recent revolving credit info, lack of recent bank revolving info, number of inquiries on credit bureau report.

 

 

WTF?

post #119 of 451
Quote:
Originally Posted by justmama View Post
 

Rainbow, I love that your * key(hahahaha) is dying too.  The comraderie on this board is awesome!  Either that or I'm infecting you all with my ghetto laptop from afar.  But whatev.  ;)

 

So my bank told me about that secured credit thing.  It's $1K to do it.  I may HAVE to do it with my taxes OR just just take the $1600 I have saved along with the $3k I'm likely to get back from taxes and just get a car with that.  I mean, that should work too right?  I'm using my full income amt with babysitting and my job and income.  It said as of 1/14/14 my credit score was a 633.  This score can range from a low of 250 to a high of 900.  Key factors that adversely affect my score: serious delinquency, too few acct currently paid as agree, lack of recent revolving credit info, lack of recent bank revolving info, number of inquiries on credit bureau report.

 

 

WTF?


Honestly if you will be getting back $3k & have $1600 saved up, I'd try to just buy a car with that. Try to find a car auction maybe? Federal ones are good here, and don't tend to have a ton of junkers, but you'll need to take a mechanic to check basic stuff. But buying with cash would be better - no interest to pay then.

 

 

 

Dealing with the water leak again - guess I tempted fate & pushed it a little too far doing laundry. And I was ALMOST caught up on laundry :( At least most of the flood path {lol} was clean so nothing damaged during the flood. Trying to get ahold of my repair guy to double check the amount he quoted me to camera the line & auger it if needed. I think I MIGHT can swing it if I am remembering the price correctly. I am so sick of dealing with plumbing issues. Those familiar with Dave Ramsey will understand my joke about my house. "It's the bondo house that Murphy built! With extra Murphy plumbing :) "

post #120 of 451
We are in the mid 600 range as well but have been offered ccs. However that was q good year after dhs latest raise. The time without income may be your biggest credit issue, honestly. I would look and see what kind of cars are available in your price range? Will 4k get you something reliabl-ish? Because you dont want to have depleted your savings plus have no savings.

Holding steady here. Ive been doing lots of pre-spring cleaning.
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