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2014 Low Income Support Thread - Page 14

post #261 of 428
Quote:
Originally Posted by crazyms View Post
 

* The doctor - How much is it going to cost you right off the bat? I can understand that the total cost may be high but there should be a minimum you can pay and then just get the rest back in bills to be paid on/paid later so that you have more cash now for your move?

 

Nope, it all has to be paid in full up front, we have to get the labs done before we can even talk to the Dr. I am going to contact them to see if I can get the fee lowered, the lab portion we got a discount on because of getting 2 of us seen and are paying at cost. I can contact the Dr and see if they will give us a discount on his fee which I will do. I could not be seen and that would give us another $435 but I really need to be seen, I don't need to get fired from a job because of my brain fog issues.

 

* Storage - how much will the storage and subsequent move later cost you? Is it really worth it for what you're going to store or would you be better off to re buy later? I know furniture can usually be found cheap or even free at times used. I'd take a serious look at what you can bring with you and what is essential to store. You might could get away without any storage and later move which would save a ton of money and stress if possible.

 

It would cost about $7k to replace stuff which is a lot of money for us and it kills me to let my huge freezerless fridge (which currently needs a $200-$300 repair but its 3x to buy new, never seen one used) and large upright freezer go. We don't have any furniture besides 3 dressers, 3 nightstands and 2 twin beds and a desk, plus a washer& dryer.  we left 90% of our stuff behind in CA because there wasn't room on the truck. I've been sharing a twin for a year with my 7yo old, I was planning to get my own bed with my tax return but there will not be money now. She's thrilled with it, me, not so much. Its all the other stuff that takes up room in the truck, I keep thinking I'll get to unpack my stuff thats been sitting in boxes for well over a year but hasn't happened yet:( We've moved 6x in 2 years so I haven't bothered unpacking anything that isn't a need for my stuff.

 

* Jobs - Is there any way you can get any kind of job there before you move? You mentioned some kind of personal care... do you do CNA type work? If so check into personal care aide or home health aide jobs in the new area. Depending on the state these may not require any training and jobs are usually easy to get even at a full time schedule. 

 

Here they train you for CNA for free, usually just requires a 6 month work contract but TBH, I don't really care for what I do

 

If you feel comfortable saying what state you're moving to it might help to come up with more specific suggestions for you as well. I'll check back in here later but I don't think you're crazy to consider it at all. Any specifics you feel comfortable sharing though will help with trying to help you game plan.

 

All I'll say is its a red state and I'm a flamin liberal lol I'd love to leave but getting services set up is a major PITA that I don't want to deal with, I also can't afford it.

 

post #262 of 428

I applied for unemployment again since I got laid off a seasonal job. The unemployment office called me today and said that they are denying my application since I did not make at least $1,500 with them... I made less then $300 it was a very part time seasonal job, got maybe 4 hours a week. So that wasn't good news. I've been applying everywhere, where I live but I haven't gotten one call or email. I'm starting to look at jobs down the mountain which is about 30-40 miles away from where I live for employment. Not something I want to do since most of my money will go towards gas. I just hope someone calls me soon... I feel hopeless filling out job applications everyday for several hours without any response for weeks.

post #263 of 428

Satori - would a move to the state where the Dr. who can treat is located y'all be possible? Seems like it might be easier to try for that, which would then allow medicaid to cover it and you to keep the funds for use elsewhere. Are there any programs that might get you in housing ASAP if you moved, since technically you could be termed homeless or at risk for it? I know here at least, if you are on SSI & deemed at risk for homeless, you can get in housing pretty quickly & it's like $50 a month for any family with a member on SSI. And HUGS.

post #264 of 428
Quote:
Originally Posted by frugalmama View Post
 

Satori - would a move to the state where the Dr. who can treat is located y'all be possible? Seems like it might be easier to try for that, which would then allow medicaid to cover it and you to keep the funds for use elsewhere. Are there any programs that might get you in housing ASAP if you moved, since technically you could be termed homeless or at risk for it? I know here at least, if you are on SSI & deemed at risk for homeless, you can get in housing pretty quickly & it's like $50 a month for any family with a member on SSI. And HUGS.

 

 

It wouldn't be worth it, standard protocol is see Dr, get labs done and treatment plan, recheck in 6 months then yearly after that. Totally not worth moving for. Low income housing scares me, last time we were in it was pretty scary and it was really noisy which dd13 can't handle.

post #265 of 428
Quote:
Originally Posted by justmama View Post

Tomorrow. Just a little longer. And then my money will be there. I need winter boots(still borrowing my mom's) and my oldest needs snow pants since hers are held together with safety pins. I need to get my youngest some asthma supplies like a new spacer and new oxygen tubing and such. But otherwise it's going in my tiny savings acct. Maybe I'll be able to save enough to go back to school. joy.gif My boss is jerking me around with hours at work so I need another part-time job. eyesroll.gif Or we need to stop eating or growing and needing clothing. Ya know, one or the other.


So unrelated to being poor, I'm having the WORST time with my hands this winter. I have no dishwasher and I cook for the 4 of us plus 3 extra kids every morning so I do a ton of dishes. A ton. Many times per day. So my hands are literally cracked and bleeding sometimes at the fingertips. It's incredibly painful. I'm buying gloves to wear for the dishes but with the cold being as it is, I'm not sure it'll solve all my problems. I make a lotion with shea butter and coconut oil that I use at least a few times per day but my hands are still a mess. Any ideas how to fix them? They hurt so much. I'm hunting and pecking today because both hands have several cracks and I can't use most of my fingers.

 

Lanolin! It stinks to high heaven but you only need a little which helps. Put a thin layer on your hands and wear gloves to bed for a night or 2 to get them healed up then just add it to your lotion.

post #266 of 428

Satori, I doon't know about every complex but I literally just moved into HUD housing 2 weeks ago.  It's lovely and quiet.  It's set up in buildings iwth 3 units in each.  Each unit is a floor of the building.  There's several playgrounds on site plus basketball courts.  The rules are very strict about what you can and cannot do but it's super quiet and I've never even met the people in my building, just the building next to us.  I think you should look into it where you want to go.  We were living in substandard housing according to the agency that runs my complex and that put my kids and I at risk for homelessness so we literally moved in less than 2 weeks after my application was put in with all the attached documents.  Typical rent for a 2 bedroom here runs around $1000 a month.  I pay $623.

post #267 of 428
Quote:
Originally Posted by justmama View Post
 

Satori, I doon't know about every complex but I literally just moved into HUD housing 2 weeks ago.  It's lovely and quiet.  It's set up in buildings iwth 3 units in each.  Each unit is a floor of the building.  There's several playgrounds on site plus basketball courts.  The rules are very strict about what you can and cannot do but it's super quiet and I've never even met the people in my building, just the building next to us.  I think you should look into it where you want to go.  We were living in substandard housing according to the agency that runs my complex and that put my kids and I at risk for homelessness so we literally moved in less than 2 weeks after my application was put in with all the attached documents.  Typical rent for a 2 bedroom here runs around $1000 a month.  I pay $623.

 

Agreed. They are much the same here. I'm on the waiting list here to get Section 8. While years back they were loud & rowdy, our local agency has been making an effort to clean them up, boot out the loud folks & make them a NICE place to live. Here the newest thing is "mixed income complexes" - aka 30% of the renters are section 8, another 20% low-income non-section 8 reduced rent, and 50% regular renters. The only way you can tell the complex is that is a tiny logo on the sign - they are nice. Plus here, after 1 year with no issues with the complex, you can apply to get Section 8 vouchers that will allow you to rent a house instead if you want.

post #268 of 428
Ugh, I have constant money regret lol. I feel like I spend the money lostly responsibly, on things we thought about and need but once its gone I rethink everything. I cannot save a lot of money if we ever want to upgrade things, upgrade our eating habits and goshdarnit take the kids anywhere. I know we are continously improving our financial life but I think I just have to be patient about having total security.
post #269 of 428
Quote:
Originally Posted by happyhats View Post

Ugh, I have constant money regret lol. I feel like I spend the money lostly responsibly, on things we thought about and need but once its gone I rethink everything. I cannot save a lot of money if we ever want to upgrade things, upgrade our eating habits and goshdarnit take the kids anywhere. I know we are continously improving our financial life but I think I just have to be patient about having total security.

This is such a hard cycle to be stuck in.  I am just beginning to cross into actually being able to save instead of upgrade things- not unnecessary upgrades- real necessary things.  It caused a lot of stress for a while between my husband and myself because he wanted to save every penny, and I knew that unless we spent some occasionally to try to better things at home, we would never really get ahead. 

We have finally struck a balance, but it took an upswing in income to make it happen. 

post #270 of 428
Quote:
Originally Posted by Sdelgadillo389 View Post
 

I applied for unemployment again since I got laid off a seasonal job. The unemployment office called me today and said that they are denying my application since I did not make at least $1,500 with them... I made less then $300 it was a very part time seasonal job, got maybe 4 hours a week. So that wasn't good news. I've been applying everywhere, where I live but I haven't gotten one call or email. I'm starting to look at jobs down the mountain which is about 30-40 miles away from where I live for employment. Not something I want to do since most of my money will go towards gas. I just hope someone calls me soon... I feel hopeless filling out job applications everyday for several hours without any response for weeks.

Oh that's terrible. I've never actually had unemployment work either. Dh got laid off from a job that he'd paid a TON in on unemployment but he never saw any of it when he got laid off. He had worked in a different state (contract work) so the work state said he had to go to his residency state but our residency state said he didn't work there so they wouldn't pay. It was a mess :(. I hope you can get something soon. I hate waiting on job apps.

 

Quote:
Originally Posted by happyhats View Post

Ugh, I have constant money regret lol. I feel like I spend the money lostly responsibly, on things we thought about and need but once its gone I rethink everything. I cannot save a lot of money if we ever want to upgrade things, upgrade our eating habits and goshdarnit take the kids anywhere. I know we are continously improving our financial life but I think I just have to be patient about having total security.

Same here. We have a list of things we need to buy but I can't pull the trigger on it. I know the things would help but I hate to spend the money that we need to be saving. Vicious cycle.

post #271 of 428

Money troubles here too. I'm getting a check from one of my side gigs, and trying to decide what to do with it. I should have about $180 extra after paying everything that absolutely has to be paid this month. We are late on property taxes, owe about $800 plus penalties & interest. I know the county will do a payment plan, but my income is too iffy to get on it I think. I need to go down there & find out the details. I can't decide if I should pay the $180 towards the taxes, leaving me nothing to run on for next month, or hold it back to pay next month's bills & hope I can somehow get enough ebay sales to pay the taxes. This month ebay is just not doing that great.

 

Listing things to Craigslist & ebay today. Trying to make more money. Going on Monday thrifting to try to make another box to send to my side gig so I can get paid again. Working today taking photos of more books to list on a couple FB homeschooling resale groups.

 

Greatfuls:

 

~Full fridge & freezer, and lots of bread.

~The rash on my hand is getting better!

~Money to work with, even if I am not sure what to do with it.

~good thrift shops

post #272 of 428

Ugh, waiting for my final US tax refund.  Unfortunately, it was rejected by the bank (errantly) but was issued in my maiden name.  All my ID here is in my married name. 

I would really just like to have it resolved, and not be in limbo about it. 

post #273 of 428
Thread Starter 

Upgrading and replacing seems to be the name of the game this weekend.  Hit a supesale at kohls and had kohls cash. Got a vacuum for $45.  DS does my cleaning and he is ummmmm  hard on the equipment , we havnet vacuumed in months.  Not bad $$ for original price of $139.  Got a patio set so we can actually use the outside space here and it gives me somewhere to go and sit, orderd online from target, extra  discount, free delivery and bonus goodies.  also needed another storage basket thingy for the living room.  super sale at kohls w. kohls cash last weekend and extra % off.

Kid needed shorts this weekend, seems hes thinneed out and is a perfect 30W and all his shorts are 34's.  lovely.   The bleeding never stops... never...

 

its getting HOT here... 80's in the afternooon...  

 

i need a new airfilter for teh a/c which im sure is coming soon.  i need lightbulbs (costco) and some misc. things.

 

been using some things from the pantry.  made a gf/df cake thats pretty yummy  1-2-3 gluten free is the brand.   found pork chops for tomorrow and sis sent me her unwanted george foreman so we have that now too!  

 

 

MIGHT GO cash in the change and get a gift card to someplace... just seems times.... ya know?

post #274 of 428
Quote:
Originally Posted by justmama View Post
 

Satori, I doon't know about every complex but I literally just moved into HUD housing 2 weeks ago.  It's lovely and quiet.  It's set up in buildings iwth 3 units in each.  Each unit is a floor of the building.  There's several playgrounds on site plus basketball courts.  The rules are very strict about what you can and cannot do but it's super quiet and I've never even met the people in my building, just the building next to us.  I think you should look into it where you want to go.  We were living in substandard housing according to the agency that runs my complex and that put my kids and I at risk for homelessness so we literally moved in less than 2 weeks after my application was put in with all the attached documents.  Typical rent for a 2 bedroom here runs around $1000 a month.  I pay $623.

 

 

I think this house would qualify as substandard easy, its 108years old and hasn't been maintained. The side of the house and flooring is rotting through in one room (found after we moved in and was tracking down drafts) which I've blocked off, we have a family of raccoons living under the house and in the attic and the LL refuses to do anything about it. They took out 2 of the 100 year old cottonwoods trees and thanks to the shaking caused by falling limbs (the trees were HUGE) nails started appearing out of the walls. When you crank up the heat it starts smelling like wet dog and I'm pretty sure thats mold. I found evidence in the kitchen someone scrubbed out the mold before we moved in. We moved in in Oct in desperation since I couldn't get a place and my parents kicked us out because they couldn't deal with my kids SN issues anymore and with my credit trashed from defaulted student loans I couldn't get a place, I just paid my final payment in my rehab plan and within 60 days all the neg info will get removed so we can find a place. Just trying to move money around to make it work but I need to get the car fixed and won't know the final damage on that till its done hopefully next week and I'm waiting to hear back from the Dr's office, I really really want to be seen but I may have to wait, I don't think dd13 can wait though. Assuming the car doesn't cost more then $300 and we skipped the Dr we could afford the move, including moving our stuff, I'm just terrified we won't get another chance, its dang near impossible to come up with that kinda money. Either way we need to get the defaults off my credit report before I even try getting a place. ugh, just remembered I need to spend $150 or so on kitchen stuff too that can't wait.

post #275 of 428
So we mucho overdid on groceries this week but the pantry is overflowing, my fridge and kitchen are stocked and I even turned on the chest freezer again. Im crazy happy and feel we can really get back on our healthy clean diets again. There are a few more things I want to eventually upgrade too but I feel Im about 75 percent where I want to be in my budget. We are off to visit my grandpa for his 82nd birthday. The kids made some cookies for him. Then later on I plan on doing a hair mask with honey, cinnamon and olive oil and make apple sauce.
post #276 of 428
Quote:
Originally Posted by Satori View Post
 

 

 

I think this house would qualify as substandard easy, its 108years old and hasn't been maintained. The side of the house and flooring is rotting through in one room (found after we moved in and was tracking down drafts) which I've blocked off, we have a family of raccoons living under the house and in the attic and the LL refuses to do anything about it. They took out 2 of the 100 year old cottonwoods trees and thanks to the shaking caused by falling limbs (the trees were HUGE) nails started appearing out of the walls. When you crank up the heat it starts smelling like wet dog and I'm pretty sure thats mold. I found evidence in the kitchen someone scrubbed out the mold before we moved in. We moved in in Oct in desperation since I couldn't get a place and my parents kicked us out because they couldn't deal with my kids SN issues anymore and with my credit trashed from defaulted student loans I couldn't get a place, I just paid my final payment in my rehab plan and within 60 days all the neg info will get removed so we can find a place. Just trying to move money around to make it work but I need to get the car fixed and won't know the final damage on that till its done hopefully next week and I'm waiting to hear back from the Dr's office, I really really want to be seen but I may have to wait, I don't think dd13 can wait though. Assuming the car doesn't cost more then $300 and we skipped the Dr we could afford the move, including moving our stuff, I'm just terrified we won't get another chance, its dang near impossible to come up with that kinda money. Either way we need to get the defaults off my credit report before I even try getting a place. ugh, just remembered I need to spend $150 or so on kitchen stuff too that can't wait.

 

Definitely!  You totally have a case.  I qualified for HUD housing because the wiring in my house wasn't up to code and we kept blowing fuses because the circuits were overloaded.  He did the wiring all himself and he never ran it through the main ground so there was no fail-safe for the circuits so when the ground from the street ripped off the house, everything surged and SHOULD have tripped the ground in the house but it wasn't tied in because he bypassed it.  So all my electronics fried and several wires melted and nearly started a fire.  Three times int he last year he's left me without heat for more than 24 hours in the winter.  There were water spots and mold all over the place and leaks in multiple rooms.  Grey water from the shower was leaking through my kitchen ceiling onto the cabinets and the counter.  The roof was leaking into the attic and bubbling the paint in the bedrooms and causing plaster to drop on the floors, which of course was exposing lead paint since the house is almost 100 years old.    But it was mostly just the landlord not fixing anything. It was a death trap.  Less than 24 hours after we left that house, my younger two with asthma were sounding remarkably better.  Within a week, I started tapering them off their meds because they weren't coughing at night anymore.  So we've been out for 2 weeks now and obviously they still take meds but unless they are sick or exposed to a trigger(cig smoke), I don't hear them hacking or whee*ing.  The change is just mind-blowing.  If I were you, I would look into HUD housing or section 8 and see what their waiting list is.  There's 3 complexes in my town and one doesn't do emergency housing.  The other two do.  We got in on an emergency basis and bypassed the waiting list because we were at a high risk of homelessness.  If you have an eviction notice, you can get in that way.

Quote:
Originally Posted by happyhats View Post

So we mucho overdid on groceries this week but the pantry is overflowing, my fridge and kitchen are stocked and I even turned on the chest freezer again. Im crazy happy and feel we can really get back on our healthy clean diets again. There are a few more things I want to eventually upgrade too but I feel Im about 75 percent where I want to be in my budget. We are off to visit my grandpa for his 82nd birthday. The kids made some cookies for him. Then later on I plan on doing a hair mask with honey, cinnamon and olive oil and make apple sauce.

I know how happy having a stockpile of food makes you and how much it stresses you not to have a good bit in the house.  I'm so glad that's one less weight on you right now.  Let me know how that hair mask works.  My hair is a nasty mess of winter fri** and dryness lately.  Not sure how to go about fixing it.

 

 

 

 

Gratefuls: 

-sheer Yankee ingenuity on my dad's part.  We slid across an intersection sideways Saturday night during a bli**ard and slammed into a curb and bent my rim on my front wheel.  I was SURE it would break the bank to fix but I called a salvage yard on his suggestion and got a rim for $40 plus $10 to put my original tire on the rim.  Saved myself $200.

 

-that my dad taught my sister and I how to drive in the snow and ice when we were teenagers.  I may have slid sideways across that on-ramp and hit a curb but I broad-sided it instead of sliding along it and saved my tire from blowing out AND we missed a yield sign literally by 6 inches.  It was a downhill turn that I lost it on and the back end of the car fishtailed and I straightened it out but couldn't stop the slide.  It could have been SO much worse had I not been taught how to drive in snow and ice from a young age.  We had cars behind us and we could have spun out and smashed not only a yield sign but a guardrail and gone over into a ditch.

 

-got a pile of yarn from my Christmas gifts awaiting me with some episodes of Dexter in my netflix list for tonight.  

 

-my ex came over yesterday and helped me shovel out my parking spot from Saturday's bli**ard since I got plowed in.  Just in time for tomorrow's bli**ard.  HA!

 

-it's vacation week from school for the kids so we get to sleep in in the mornings this week.  I'm LOVING not waking up until 7 or 7:30am and having only 3 kids to feed instead of 6 kids at 6am.  SO quiet and relaxing.  

 

-I finally bought myself those winter boots I needed so badly.  My toes are toasty warm and it was worth borrowing my mom's boots for a few weeks to save up.

post #277 of 428
Quote:
Originally Posted by Union View Post
 

Wow ! I have gone through the same situation one a half year ago. The unemployment run out and  I was not able to find any type of job; I applied in different places but nothing. I started tutoring Spanish, babysitting well doing all kind of jobs in order to survive until I found this job online a few months ago. It has helped me to supplement my income; it is a free risk job. At the same time that I found that online job, I was called to work in a Call center. I was hired and now, I am working on the call center and at the same time on this online job. The online job is providing extra income to home and I am able to save money. I am not sure if you want to hear more about it. However, I wish you the best on finding a job really quick. Positive thoughts and prays are been sent to you!! :)


Yeah I would love more information about it. I've been applying everywhere that is hiring where I live. Today I found out the hospital down the street from me is hiring a phlebotomist again, so of course I jumped on that offer, they want 1 year experience but are accepting new graduates, and I graduated in december and got my certificate last month. We will see how things go. I would live to baby sit to make extra $ but I live with my sister and brother in law and they don't like anyone in their house. So its a no go for me. I was watching kids before at my old house and I was making about $400 extra a month. I pray that I will find a good job soon that will be flexible with my school and daycare schedule.

post #278 of 428
Quote:
Originally Posted by Union View Post
 

That is great that you have gotten your Certificated last month,Congratulations on that!! :) . That is going to help you a lot on your job research; you will be fine. Remember confidence is the key ;). Are you still going to school? On what are you mayoring in? That is amazing.I will love to show you more about the online job. Just sent me an email to p.amaya0402@gmail.com so I can tell you more in detail about it. 


I am going to a community college right now and I have classes all day tuesday and thursdays. But I can not work on Sundays if I get a job due to no childcare on that day. My major is in paramedics. I am currently taking an EMT class which is about 5 hours every tues and thurs. I'll send you email about more info. thank you.

post #279 of 428
Justmama, I try to do the hair mask once a week or so. It keeps my hair shiny and frizz free. It usually brings out the blonde too but this time I think I used too much cinnamon and not enough honey. Also if you have a trader joes nearby they have a very nice lotion thats helping dhs hands. His looked just like yours. Its only four bucks here and he saw improvement in a day.
post #280 of 428
Quote:
Originally Posted by happyhats View Post

Justmama, I try to do the hair mask once a week or so. It keeps my hair shiny and frizz free. It usually brings out the blonde too but this time I think I used too much cinnamon and not enough honey. Also if you have a trader joes nearby they have a very nice lotion thats helping dhs hands. His looked just like yours. Its only four bucks here and he saw improvement in a day.

Ooooh, tell me more!  What kind of amts do you use?  And what's the lotion? We have a Trader Joe's on my way to work. My A&D all night under mittens plus rubber gloves for washing dishes is working slowly but surely.  

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