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Originally Posted by minkajane  I don't know what we're going to do. We've accidentally overdrawn several times in the past couple of weeks, so there goes $150 in overdraft fees.
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Many banks will waive overdraft fees if you ask them and as long as it isn't a habit.. Once they see a pattern, they won't.
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Originally Posted by minkajane We have about $35 in our account, which means we can't pay the $79 due on Saturday for DH's TV and X-Box.
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Sell them. If I can't pay cash outright for something like entertainment, we just don't have one. We went without a tv (and not by choice) for quite sometime when our old one broke, and then my mother bought us a $10 mini one we used for about 4 months until I had cash to buy the one we have now. I don't regret going that route at all.
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Originally Posted by minkajane If I go sell plasma tomorrow morning and get good tips tomorrow night we may be able to swing it a day or two late.
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You can get money for your blood where you live? That's cool!
We only get orange juice and a cookie..
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Originally Posted by minkajane We have no food and no money for food. I can't buy the textbook for the class I have starting at the end of the month.
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Look on your muni's website for foodbanks. Not all are religiously affiliated. Most are open different days of the week at different locations, so plan ahead so you know which days there is one near you. Some let you pick so much of this food group, so much of that, but you would be surprised at the amount of fresh produce and even organic stuff I have gotten.. even blackberries. I think I have BOUGHT blackberries only twice in my life because they are so darn expensive here.. There is even one here that only takes a few families per day (you have to call in early) but they DELIVER food- three days' worth. Also, one semester I needed $400 for textbooks that my student loan wouldn't cover. I had a yard sale and made almost $500 in two days- pretty seasonal solution here, but still can be profitable, and no cost besides my own labor. Also, foodstamps here are not like "stamps" anymore at all. Once approved, the family is issued a debit card type thing and it works just for food, but doesn't look like you are paying with anything other than a debit card like anyone else's.. took a lot of stigma out of it I think
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Originally Posted by minkajane We asked for a week's extension on our rent, since we've payed our rent on time and in full every month for the six months we've been living here, but they won't give us one. So we have three choices. We borrow money from family and look like the irresponsible young couple who are going to be burdens on everyone, go to a payday loan place, or just not pay rent until we get the GI Bill money and pay $75 for being a week late.
DH is going to temp agencies Monday, but it will be several weeks till he gets any money, which is no help for August's rent. Even if we didn't have other bills, there's not enough time to save up enough money to pay rent. We're going to be lucky to be able to buy food. Ramen noodles and dollar store brand canned soup it is.
I'm so very tired of being poor.
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I would either borrow money from parents or pay the late fee... payday loan places take a HORRENDOUS amount of money out of you for the privilege of using their services. Some temp agencies will pay at the end of the day.. especially if they specialize in day labor.. my girlfriend used to manage an office like that, and they always had openings in winter for shovelers- not sure about summer.. Also, if he is out of work has he applied for unemployment? Up here you have to have been filing for 6 weeks before you can collect, so the sooner you file, the sooner you can get some $. Also, once he IS hired, they continue paying until paychecks are regularly coming in incase it is a temp job or something or a big difference in pay (ie took a lower paying job than held previously). My dp didn't want to file for unemployment a few years ago when he was out of work, but now it is all automated, call and check in weekly, easy.. Also, unemployment money is HIS money- which he earned when he was an employee no reason NOT to collect.
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Oh, and some of the agencies that help with housing assistance can help with other stopgap financial situations or refer for them, so ask all the places you talk to about any other help you feel you need b/c they may be dialed in to all of the avenues to the big pot of funding. Oh, bff just IM'd me back and said another way to get assistance is to call the police's non-emergency number to ask for help. HTH and I'll think some positive thoughts for your family!
