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2014 Low Income Support Thread - Page 2

post #21 of 428

Peace to you Mylie *hugs*

 

Justmama, I can't apply for anything until the divorce is finalized in February but I've been looking at options.

 

Sounds like everyone is just about in the same spot as usual, hugs to everyone. Is anyone else putting away xmas money for this year?

post #22 of 428

Micah_Mae - A little worse this year, but coming out close to even. I'm not putting back $$$ as that never works well for me, but I am stashing back gifts. On your housing - does your college offer family housing? Some do & your can use loans to pay it. Might get you through until Section 8 came through.

 

PeacefulSeams - Welcome!

 

Rainbow - Mortgage free is wonderful :) It is such a load off to not worry about foreclosure.

 

Zebra - Even the little stuff can be pricey :( We are trying to pick away at small repairs too, but it's slow going.

 

Mamarhu - Your GWO sounds lovely - ours stinks. Everything is priced pretty close to the regular GW stores except Wednesdays is half off that. And most of the clothing is torn / missing buttons / etc.

 

Happyhats - free kids clothing is great. I don't know what I would have done this year if I hadn't had clothes stashed back for dd & been able to pick up a bit more at the local blessings bash.

 

Justmama - *hugs* I totally understand you on the kids part - right now my dd is driving me crazy. I just got done telling her if she would go out front & leave me alone for a while maybe we could have pizza for dinner.

 

Mylie - *hugs* Not sure about your electric co, but here they put a holiday moratorium on shut-offs until the 7th. Maybe yours does as well? And SO sorry about your dad - it's hard losing a parent.

 

Anyone else I didn't mention - hello & welcome!

 

 

Still here, still chugging. Health is going down the drain - my autoimmune is flaring bad. Still broke. Still have no idea what I'm going to do on the property taxes. I am hoping to make enough this month to cover at least the school portion {$300}, since they won't do payment plans. The county part will do a payment plan, so planning on going down in February & pleading for a payment plan. But the good news is our SNAP was approved & on the card today! SOOO thankful for that - was trying to work out how we were going to buy needs. And my medicaid was renewed! I wasn't sure I would still be able to get it.

 

Going to be a busy month for us - lots of working/thrifting, Dr. Appointments, re-signups for programs, etc. Hopefully I can hold it together long enough to get everything done.

post #23 of 428

Frugalmama, I'm going to look into that thanks!

post #24 of 428

micah_mae, if you are separated with separate finances, you can apply for services.  I wasn't divorced for nearly 3 years after we separated and I was on food stamps after about 3 months.  

post #25 of 428

Peaceful Seams, :w

post #26 of 428

Really? I don't have my own finances, per se, until I get child support but he gives me money for gas and diapers and food. (About $500-600/mo)

post #27 of 428
Thread Starter 

Micah- you are in seperate households.  You are prepping your own food, you are 'on your own'.  Go appy for benefits.  From this day forward, keep track of what he 'gives' you and what you spend.  Get to WIC, DES and everything else you can.

post #28 of 428
Quote:
Originally Posted by zebra15 View Post
 

Micah- you are in seperate households.  You are prepping your own food, you are 'on your own'.  Go appy for benefits.  From this day forward, keep track of what he 'gives' you and what you spend.  Get to WIC, DES and everything else you can.


 Totally agree. You may have to get a notarized letter or a letter from someone not a family member that states how long you have been living apart & that "pending the official order, he is giving you the mount of $xyz monthly in leiu of child support". But you don't have to wait until you have the official court order. They probably will have you submit the order when it gets approved though.

post #29 of 428

Thank you Zebra and FrugalMomma, I'm going to do that! I'll let you know how it all turns out!

post #30 of 428
Quote:
Originally Posted by micah_mae_ View Post
 

Really? I don't have my own finances, per se, until I get child support but he gives me money for gas and diapers and food. (About $500-600/mo)

Yup, you can apply now-he does not live with you, so his income does not count.  As long as you buy and prepare your own food separately from your parents (I think you live with them, yes?) I was told you don't have to count them either (so maybe keep receipts from the grocery store?)  Any money he gives you is your income.  I had to get a note from ex saying that he was giving me $xxx voluntary y child support a month, but if your ex is writing a check, that might be good enough until the actual order goes through. 

post #31 of 428
Happy new year everyone!

I was pretty active on the 2013 thread until fall semester began but I hope to stay more active now.

In a nut shell. I live off spousal and child support. My spousal support ends in October which is over half my income. I am back in college getting my restricted teaching license which is going well. I am enrolled in one class for spring and plan to start searching for a teaching position beginning this month for next fall.

I have 2 kiddos D's 7.5 and dd 2.5

I work a side job on Sundays at a church that brings in 20$ a week.

I am going full on cheap mode. Since my divorce my debt has gone from 5000 to nearly 12000 in a year. Most of the new debt is from college but I want to pay down as much as I can in preparation for the loss of my spousal support. My savings has dwindled drastically in the past year. I used to have 2 months living expenses in savings now I have enough to cover rent for the first @895/month plus a few hundred extra. I call it my 10 day savings. Exdh is usually a few days late with support every month so I have enough to get me through that first week or so expecting him to be late.

Gratefuls:
I have an interview next Tuesday! The job is very part-time at 14 hours a week but the hours are great so that Ds wouldn't need a sitter only maybe dd as there is a chance I could take dd with me. And it is 14.25$ an hour!!! Wish me luck. It would be great for my situation right now.

I have been dating a really great man the past couple months. We are not able to go out or see each other often but he gets me and respects me and we seem to be a great match.
post #32 of 428

Greetings and happy new years!

 

I am a mama of two with DH. I was laid off last May and I have been on unemployment until the middle of December. I bake bread and pretzels for a local coffee shop and work a couple hours a week there, then spend my days baking, cooking, writing, and taking care of my youngest, DD. DS is in school and goes to an afterschool program that costs $40/mo. Since he loves it and it makes it easier for me to get things done, we are planning on leaving him there. DD goes to a preschool twice a week for a few hours, which also costs us $40/mo. Again, the time off from childcare is invaluable to me, so we are leaving that there.

 

Last March I signed a contract for a toddler book, which will be published as soon as the illustrations are done. The first of December, I signed a contract for a cookbook, which I need to finish the manuscript for, then there will be layout, photos, etc. So I'm looking at next December for publication of that.

I am planning on working towards more freelance writing work, which means I need to tighten up my portfolio, etc. Since I write everything from business letters and resumes, to personalized children's stories, to fiction, this will be interesting. I'm going to be writing up some samples, applying for writing jobs, and submitting stuff for contests, while finishing up the cookbook, getting photos done, keeping up the house & cooking, and taking care of the kids.

 

I've got a spreadsheet that functions as a budget and tracks our income/spending. I have Christmas money in a savings account that will distribute periodically into our spending account. DH is working on getting a better paying position in his current job, as well as keeping his eyes open for a better job. We track our finances on mint.com and I review all budgets and bills every week. We spent way too much on food last month, as we were traveling (eating out) and doing holidays, etc. Usually we keep our food spending at around $300/mo to eat very well. We will probably spend a little over on food this month, as we are doing some stock-up and there is a birthday this month.

 

I have a credit card with a $500 limit that we pay on every two weeks. I use the card for hotels when we travel and for certain regular expenses to benefit from the cash-back rewards. I may re-evaluate that to see if we are getting an adequate ROI to continue that.

 

I am dropping a few expenses this year, including some website stuff that isn't providing the income it should, and dropping down our Netflix subscription. That is kinda sad, cuz there are some shows we really like that we can only get on disc, but the money issue is more important. If things continue to be tight, I will have to drop my phone from a data plan to a regular plan, which we can only consider cuz my parents gave us a box of their old cell phones. Otherwise, I would have to buy a phone, which would negate the savings. Since our cell phones are our only phone-contact, we do need them.

 

I'm open to other suggestions from the awesome group here (I've followed for years, but don't post much bag.gif).

post #33 of 428

I am in a bad spot. Not depressed per say just very sad right now. All the bills are piling up on me and I have to figure out a way to get it all done. IRS,taxes, my van has a transmission leak, my tires have wire showing. I am cleaning out my house and getting rid of all the crap around that can be sold that I don't need anymore so hoping to get a bit of $$ with that. Haven't worked in 2 months mostly with all the holidays and stuff but hoping to go back next week since we should be back to working. Applying for another job right now also. On top of it all my cousins 17 yo daughter was killed in a accident last night and that has me really sad this morning.

 

I hope things get better for us all!

post #34 of 428
Thread Starter 

hugs to averysmomma

post #35 of 428

 :Hugfor you Averysmomma, sorry for your loss.

post #36 of 428
Hi everyone. I read the 2013 thread faithfully but never posted. I have learned a lot on this forum even tho I rarely post. I am Kelly, single mom to 5. My oldest is married so I have 4 at home. I just moved into our own apartment, my marriage home is in foreclosure. It feels wonderful to be in my own place for the first time. (I got married at 18 and was married 18 years never been on my own) I work at 7-11 almost full time (as many hours as j can get at barely above min wage. I get a tiny bit of alimony and most of my ordered child support. Most days I just plug in and do what I gotta do but others I am angry at my ex. When my kids ask why I have to work so much. See, I am court ordered to receive $2900 a month. The army (my ex is retired) will only garnish 50% so I get half that. I get pissed when I think of the fact that I could be a sahm still but I try to stay out if that mindset. I hope to be an active part of this thread this year smile.gif
post #37 of 428
Just checking in. I'll respond more personally when I have time. I'm on my phone. That massive winter storm hit us and due to landlord negligence, our heart and power were knocked out and we had a power surge that wiped out my oven and all my electronics. No internet, no dvd player, no tv capability, no iPod dock/radio. It's just so heartbreaking. The heat and power are back fortunately because it's been below zero. But no oven for at least a week is a serious problem in this house. I'm applying for emergency housing for inadequate housing reasons at the local affordable housing place but we'll have to rehome our cats and that breaks my heart. But this place has serious leak issues, rotten wood, electrical stuff not up to code, etc. Im at my wits end here and don't know what to do. The move would save us $300+ per month. I'm devastated. I just don't want to get rid of my babies and there's no one to take them for six months and give them back after we find another place. No pets are allowed in this complex. :-( I've just cried so much about this lately that I'm a mess.
post #38 of 428
Quote:
Originally Posted by justmama View Post

Just checking in. I'll respond more personally when I have time. I'm on my phone. That massive winter storm hit us and due to landlord negligence, our heart and power were knocked out and we had a power surge that wiped out my oven and all my electronics. No internet, no dvd player, no tv capability, no iPod dock/radio. It's just so heartbreaking. The heat and power are back fortunately because it's been below zero. But no oven for at least a week is a serious problem in this house. I'm applying for emergency housing for inadequate housing reasons at the local affordable housing place but we'll have to rehome our cats and that breaks my heart. But this place has serious leak issues, rotten wood, electrical stuff not up to code, etc. Im at my wits end here and don't know what to do. The move would save us $300+ per month. I'm devastated. I just don't want to get rid of my babies and there's no one to take them for six months and give them back after we find another place. No pets are allowed in this complex. :-( I've just cried so much about this lately that I'm a mess.

Oh Justmama I'm so sorry!

 

Have your tried calling some of the foster/ rescue groups? Maybe they can find you a foster or someone willing to adopt them? I would take them if I lived closer, but TX is a long ways from you.

post #39 of 428

Thanks for the hugs guys. It actually got worse. Same day we found out my moms best friend who was like my 2nd mother was found murdered by her bf. On top of that this morning my husbands aunt died. Guess it doesn't end. Thank goodness we had a extra $100 in checking since we will be driving 3 hrs to my moms friends funeral sometime this week when the investigation is done and autopsy so that she can be buried. Sigh.

post #40 of 428
Quote:
Originally Posted by justmama View Post

Just checking in. I'll respond more personally when I have time. I'm on my phone. That massive winter storm hit us and due to landlord negligence, our heart and power were knocked out and we had a power surge that wiped out my oven and all my electronics. No internet, no dvd player, no tv capability, no iPod dock/radio. It's just so heartbreaking. The heat and power are back fortunately because it's been below zero. But no oven for at least a week is a serious problem in this house. I'm applying for emergency housing for inadequate housing reasons at the local affordable housing place but we'll have to rehome our cats and that breaks my heart. But this place has serious leak issues, rotten wood, electrical stuff not up to code, etc. Im at my wits end here and don't know what to do. The move would save us $300+ per month. I'm devastated. I just don't want to get rid of my babies and there's no one to take them for six months and give them back after we find another place. No pets are allowed in this complex. :-( I've just cried so much about this lately that I'm a mess.

I am sorry! I would be upset too. I can only imagine. Our house we are own isn't the best but that is a main reason I won't move because of my cat and dog.  I hope things look up for you!

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