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Financially Challenged Mamas! - Page 4

post #61 of 142
bumping above all the spam!
post #62 of 142
Thread Starter 
Quote:
Originally Posted by ColoradoMama View Post
bumping above all the spam!
thanks much!

oh my gosh i am in love! thanks for all the granols info. you all just made my day. and DH's life.

i just got a package of baby clothes and cloth diapers from a friend. it was a surprise. . i feel i really need to spread the wealth. i have 3 girls and TONS of clothes that were handed down to us from other mamas. i need to give back. the ones i am done with are all in great condition still. i have almost every size you can think of from birth to age 4 or 5. not too much once it gets into the 4 or 5 mark. anyways if you need cothes for your girlies please PM me about it. they are hand me downed hand me downs but i promise they are still wearable!
post #63 of 142
Quote:
Originally Posted by Azuralea View Post
I feel like advertisments, both in TV and in magazines, and embedded in movies, work to twang our insecurities and make us unhappier.
: : :

have you checked out the tv free tribe?

any mamas want to send me a couple of their old copies of Hip Mama or Brain, Child. i would love to check them out and am pretty sure they don't have them at our local library (although i could be wrong). Are they less ad-based?
post #64 of 142
Quote:
Originally Posted by delfuego View Post
: : :

have you checked out the tv free tribe?

any mamas want to send me a couple of their old copies of Hip Mama or Brain, Child. i would love to check them out and am pretty sure they don't have them at our local library (although i could be wrong). Are they less ad-based?
Thank you for the tip! I will go find that tribe.

Unfortunately, I give away my copies of Brain, Child after I get them, so I don't have any handy. My personal feeling is that they are a lot less advertiser-saturated than other magazines, because they tend to keep the ads in one spot in the back and then on whole pages. I think it's a great magazine.
post #65 of 142
Maggie, I'm glad you were having a better day yesterday! That was so super nice of your friend! I need a few things for my dd 2T-3T, but I would feel bad if someone else needed them worse than I do. Please let me know if you don't find any takers, it's not the end of the world, I can always go garage saling! (Why doesn't saling look like it's correct, is it? Saleing, Saling, I don't know!)
I'll have to try the granola recipes. They sound yummy!
We're on the fine line of making too much to keep Isabel's medicaid based health insurance. But we don't make enough to pay for any on our own! So, I might cut down a shift or 2 a week at work to make sure we're under the income level to qualify. Is that unethical or immoral? Both my hubby and I work and pay taxes. We also pay $10 a month for her insurance. We just can't do it on our own. I feel bad, but what else can I do?
post #66 of 142
The granola recipe sounds so good - can't wait to try it. I've never thought about making my own granola before...duh!

Kelly, I don't think that cutting back a shift so that you qualify for Medicaid is immoral or unethical. You have more of a responsibility to your children than to the government, you know? We're all without insurance right now, and I feel like it's immoral and unethical of our society to allow so many of us to be uninsured. We're moving to ny in a week, and I'll be looking hard for a job that offers affordable insurance for our family, or we'll be applying for Medicaid. DH works in the restaurant industry and any insurance he's been offered in the past has been too expensive for us. I really hope that changes for us soon. :
post #67 of 142
Thanks Heather. I'm in the hospitality industry as well (although the hotel side) and we don't even get the chance to have insurance. It sucks so bad! Good luck with your move! I hope your dh finds a job with awesome benefits!
post #68 of 142
Quote:
Originally Posted by lemongrass View Post
The granola recipe sounds so good - can't wait to try it. I've never thought about making my own granola before...duh!

Kelly, I don't think that cutting back a shift so that you qualify for Medicaid is immoral or unethical. You have more of a responsibility to your children than to the government, you know? We're all without insurance right now, and I feel like it's immoral and unethical of our society to allow so many of us to be uninsured. We're moving to ny in a week, and I'll be looking hard for a job that offers affordable insurance for our family, or we'll be applying for Medicaid. DH works in the restaurant industry and any insurance he's been offered in the past has been too expensive for us. I really hope that changes for us soon. :

I totally agree, people need medical coverage, do what you have to do mama.
post #69 of 142
Yeah... cutting back shifts not only means that you keep your health insurance but also that you get to spend more time with your daughter.

That doesn't sound unethical or immoral to me. It sounds like being a good mama.
post #70 of 142
hi again ladies,

just came to rant real quick before i go to work-

i missed a credit card payment. it was 3 days late. i've NEVER been late on it. i called immediately and payed $80 more than the minimum payment and guess what? they raised my interest rate from 10% to 32 freaking %!!!! i've been crying about it for 2 days. the balance on the card is almost $6,000. and it pisses me off so bad that everything we've used it for was medical bills, or groceries.
post #71 of 142
This *just* happened to a friend of mine. Is there anyway you could get a card with lower interest and no transfer fee to transfer it to? That is what she did. I know I wouldn't qualify, but thought I'd throw it out there. I am so sorry that happened to you.

Quote:
Originally Posted by granolapunk View Post
hi again ladies,

just came to rant real quick before i go to work-

i missed a credit card payment. it was 3 days late. i've NEVER been late on it. i called immediately and payed $80 more than the minimum payment and guess what? they raised my interest rate from 10% to 32 freaking %!!!! i've been crying about it for 2 days. the balance on the card is almost $6,000. and it pisses me off so bad that everything we've used it for was medical bills, or groceries.
post #72 of 142
:
great info
post #73 of 142
Brianna, that sucks so bad! Can you call them and work out something? I don't see why they have to triple it! that's crazy!
Thanks everyone, for reaffirming my decision. Although, it might not matter in a little bit. Dh's job is talking about cutting him back down to part time. Which would include a dollar an hour pay cut, plus he loses all his benefits options. He's only been fulltime since mid April! If they weren't planning on keeping him at fulltime, why did they bump him up? I'm nervous. It sucks. Blah. I need a nap...
post #74 of 142
Hi there.

Glad to see I'm not alone. DH just completed college, so we stopped getting his $500 a month stipend. We are pay check to pay check, and then some.

Hopefully I get a 10% raise in July. DH currently has orders for 6 months of army training in September. If I can just hold out until then. I would have DH quit and be a SAHD, but we need day care when he is gone, and I don't want to lose DD's spot in her wonderful day care.

I'm so very tired of the fights and stress that having no money brings.
post #75 of 142
I just registered for a Math class I need to take as a prerequisite for the RN program and when I went to talk to the financial aid office about my grant for Fall they told me the $400 I laid down for Summer might actually be reimbursed. Sweet! $400 is a LOT of money for us and it took us months to save it up. I wouldn't be reimbursed until mid-July but still, it'll help a lot.
I also got a surprise child support check from DS1's father so I'm (trying) to squirrel that away for my textbook which I can't buy until June 11th.
I'm feeling really hopeful and optimistic because this is just one little step towards my goal of eventually having a better life.
post #76 of 142
My DH and I have been close to the line for Medicaid before, and we've made sure not to go over. There's no way we can afford to pay for healthcare without medicaid, so we make sure we don't work too much and get our kids off of medicaid. I don't feel that it's immoral or in any way wrong. If we could pay something (but not 50% of what we make) for healthcare, we'd do that. But we can't afford to pay a thousand dollars a month for that.

Do what you have to do to keep DD covered!
post #77 of 142
Hi Mamas! I'm a SAHM of two who's currently attempting to find a place that's going to pay at least a bit more than minimum wage and hire someone with NO work history *sigh*

My kids are 8 and 11. My mom lives with us to help pay bills (so I could keep being a stay at home mom) but she lost her job for stealing. She worked there 15 years and made 18.50 and cannot replace that wage for what she does so the only way to survive and keep our home is for me to get a job.

Now the fun part is even after I get a full time job we'll probably be still living paycheck to paycheck because I'm replacing income... not making new.

I hate health care... HATE IT! We have insurance and it SUCKS and it's so hard to get my babies to the doctor. My son recently had to have a bunch of denatal work done (I had not taken him since we got off medicaid two years ago and the insurance hasn't paid ANYTHING of it and they are supposed to pay 1000 a year. The dentist doesn't know yet... he goes in tuesday for his last work and I am praying we can get out of there without too much drama. *sob*

Groceries are also a strain.

I don't like being poor, I want to have more but I don't care about *STUFF* and part of me knows if we did have more we'd just buy more stuff so maybe this is how it's supposed to be till we get more balanced inside of ourselves. I can survive this if thats the reason.

*HUGS MAMAS*
post #78 of 142
Cross-posted this in a discussion about SAH "welfare moms" in SAHM:

I work part time out of the home for 20 hours a week. I make $9.50 an hour which makes my take home pay about $700 a month.
With me not working, we got over $500 a month in food benefits.
While I am working we get about $100 in food benefits.
With me spending $35 a week on a babysitter and $70 every two weeks to fill up my gas tank plus the loss of food stamps, I am losing money to work, basically. I mean, if you count food benefits.
I am only open to working part time because I am in college full time, and I have very young children.
So.
Should I quit my job?
post #79 of 142
Hi mamas, just wanted to invite you to oin or frugal mamas pool (linkd in my sig)

post #80 of 142
Quote:
Originally Posted by DreamsInDigital View Post
Cross-posted this in a discussion about SAH "welfare moms" in SAHM:

I work part time out of the home for 20 hours a week. I make $9.50 an hour which makes my take home pay about $700 a month.
With me not working, we got over $500 a month in food benefits.
While I am working we get about $100 in food benefits.
With me spending $35 a week on a babysitter and $70 every two weeks to fill up my gas tank plus the loss of food stamps, I am losing money to work, basically. I mean, if you count food benefits.
I am only open to working part time because I am in college full time, and I have very young children.
So.
Should I quit my job?
Unless you really love your job, or need it for an In for when you are out of school, i would. It's just not worth it to me to be gone those extra hours, and have the kids in daycare...
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