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a really tough queston from a humbled momma - Page 6

post #101 of 107
Thread Starter 
Quote:
Originally Posted by shelf View Post
two things:

1) you posted this on pay day. You don't have any money left from his pay?






i know when we got paid.. yes i posted this on payday.. just cuz its payday.. doesn;t i have money.....yes we got paid....but truck payment came out and insurance and we had 10$ left.. If you HAD to know...
post #102 of 107
Quote:
Originally Posted by *MAMACITA* View Post
i know when we got paid.. yes i posted this on payday.. just cuz its payday.. doesn;t i have money.....yes we got paid....but truck payment came out and insurance and we had 10$ left.. If you HAD to know...

you're the one that put it out there, I was just wondering why one would pay out all the money they had without saving some for basic necessities (like food) if you need the money, I'd have let some bills slide til the mid month pay. but hey, that's just me.
post #103 of 107
If you aren't going to get rid of the truck, I think you should at least try to refinance it at a lower rate if possible, and maybe look for cheaper insurance.

I was in the military and I know what an E-5 gets paid. There's no reason a car payment and insurance should cost that much.

Also, if your DH hasn't already done so, he should fill out a new W-4 and change his exemptions, so he can get his money in his paychecks instead of as a tax refund.

I also agree with shelf that food comes before car payments if there isn't enough money for both.
post #104 of 107
If the entire paycheck was gone in one day...aside from the phenomenally huge truck payment there may be some other areas of your budget that need a second look.

There are some mamas on here that are great with budgets. If you feel comfortable posting a general amount that comes in each month and what the expenses are, I have seen them help several mamas figure out where they could save more.

I hope you can get things sorted out
post #105 of 107
mamacita, if youre interested in doing fcc (home daycare) pm me. i did it for a while, and you make good money. the parents pay you the same fees they would pay the centers, plus (at least in europe anyway) you get subsidies to help pay for food and things, although those take a while to come in (ex- you file novembers subsidies at the end of the month, but you dont get them til around the end of dec) if you feel up to it, you could also see about getting your name put on the red cross babysitters list, and do some sitting when your dh is home to watch the kiddos. i know you need at least first aid/cpr for that, not sure about what other classes.
post #106 of 107
A family of four living on an E-5 salary will not qualify for food stamps. The military has a program for large lower enlisted families that covers the gap that allows them to qualify for food stamps so that the money comes from the military instead of the state.

http://usmilitary.about.com/cs/money...foodstamps.htm

You do, of course, qualify for WIC. I couldn't get from your other posts whether or not you get WIC.

It sounds like a pay advance would be a bad idea. If you can't afford to live on what you have now, it doesn't seem like a good idea to reduce that paycheck even more.

It seems that there are other problems, aside from the truck. I'm not judging, Maude knows that I've been in similar tight places for one reason or another, but you and your husband need help figuring this out. I'm not sure what the name of the Army's relief agency is, but in the Air Force we call the Family Support Center and set up an appointment with a counselor and they try to help you figure things out. They can get interest rates lowered, Military Star payments lowered, point you in the direction of other emergency relief agencies, and help you figure out a way to live on what you have. Anything you do right now is going to be a temporary fix, which is necessary, but I disagree that you don't need to think long term because that is the only way to prevent this from happening again.

Please rethink your vehicle needs. When we were in Texas in '04, we only had one car because we were en route to Hawaii from Monterey. It was only four months, but I got every morning and took my husband to the base across town with my 6yo, 2yo, and very tiny baby. It sucked, but I had to do it because I also had to take my 6yo to school. (There was no bus and no sidewalk on the very busy route to the school. It was truly insane.) But we did it. Also, I've gotten all three of my kids in the backseat of a '90 Honda Accord on a regular basis. Until recently, our primary car was a Hyundai Elantra, not exactly roomy. It was tight, but we did it and everyone was just fine. You don't "need" an SUV or even a minivan with three kids, I promise. If the truck is still in good shape, it is possible to just turn it in. We had to do that with my dad's truck when he had a stroke. We couldn't get what he owed on it, so my mom just called the dealership and explained and they took it back. It went on her credit record, but she just needed to get rid of that payment.

Ebay and Craigslist are good ways to make quick cash. Your husband can also deliver pizzas-- I've known more than one soldier that did that in the evenings to make ends meet. It doesn't sound like it would be a good idea for you to work with toxemia, but your husband could also get a little extra work on the weekends in retail. He has to get permission from his command, but it's possible.
post #107 of 107
Other posters have made great suggestions, but I wanted to add a quick one. I'm sure getting a new phone line won't be the OP's highest priority, but once all the pressing needs are met, it may come up. Just wanted to point out there's a service in TX (and I think in other areas, too) called LifeLine that may be worth checking out. Here's a link: http://www.lifelinesupport.org/li/lo...felinesupport/
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