"Lower Income Moms" September 2007 Support - Page 5 - Mothering Forums

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Old 09-09-2007, 12:08 PM
 
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I like the new name of the thread...lower income or 'income-challanged' !

Let's see, things that I am grateful for are:

Happy and healthy kids (which is good because we've got no insurance!

A partner who is hangin in there in spite of the fact that we're broke and he's disabled, at home, depressed and in the house all the time!

Having 3 jobs at a time when some have none!

My family rocks and supports us like we support them!

The ability to just keep swimming.....
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Old 09-09-2007, 01:10 PM
 
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About the work-study- Maybe that's if it wasn't already added on when your Fafsa results were calculated? If you look at my breakdown of financial aid it lists the amounts I will get from Pell grants, the scholarship I got from the college itself, the loans, and work study- and all of them have a seperate amount next to them. I did work study last year at a different school and never had a problem with that either. So, maybe it has to do with the Fafsa? I don't know. Thanks for the heads-up though!
Yep that is how it works and if you did not do work study and have not maxed out your student loan amount you can take the difference in a student loan.

Heidi
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Old 09-09-2007, 01:15 PM
 
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DH just let me know that our account is down to $680, and our rent check is going to bounce. This, after discovering last night that our washing machine is dead (and we cloth diaper and of course have a gigantic hamper full of icky diapers that we can't wash at any laundromat in town...), AND after getting through my first stressful week at my new job. We'd been planning on going out for dessert to celebrate, but that's not an option. Instead, I'm trying to figure out what we can do for food over the next week with what is in our pantry and $10 cash, and DH is begging his parents to help us buy a new-used washer ASAP so the baby doesn't have to pee on the floor.

I'm beating myself up because I feel like we're irresponsible since I'm making WAY more money that we'd planned on my pulling in, and we're still broke. DH helpfully pointed out that although I'm earning good money I haven't seen a cent of it yet, so it's not that we're irresponsible about spending -- we've just started 3 new jobs between the two of us in the last month and we're waiting for cash to catch up. And, between the car repairs last month and the washer this month, we just need things to stop #&$%& breaking now!!

I hate this.

HUGS I hope things gets better for you.

Heidi
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Old 09-09-2007, 01:22 PM
 
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My family rocks and supports us like we support them!
That is a wonderful and priceless blessing.
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Old 09-09-2007, 03:30 PM
 
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Thanks for the support guys no word yet, everytime he leaves for work, i fear he will be home within an hour because he got fired.
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Old 09-09-2007, 06:32 PM
 
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just when I thought things were going good, dh might get fired I think hes been set up at work, and now he might get fired because of it
I am so sorry to hear that....Does he have any proof of it?
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Old 09-09-2007, 09:57 PM
 
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I am so sorry to hear that....Does he have any proof of it?
no, but if they do fire him, he is going to insist on seeing video tapes of exactly where the money went.
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Old 09-09-2007, 10:22 PM
 
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Thanks for the support guys no word yet, everytime he leaves for work, i fear he will be home within an hour because he got fired.
Oh no. Waiting for the shoe to drop must make a sucky situation even more sucky. I'll be crossing my fingers and thinking good thoughts for your DH and your family.

*

Oh my god... DH FIXED our washer! DH never fixes ANYTHING... he just breaks stuff! But seriously, the problem was that the basket had become unseated and was letting all the water leak out. So he took it out and reseated it (after much researching on the internet), and lo and behold! I'm totally giddy with happiness!

Spending all of my money and time on this wild, wild life.
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Old 09-09-2007, 11:19 PM
 
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Go Mr.Belleweather!! That's so awesome! What a relief it must be to you, too....No more dirty, icky diapers!

Today was my little dd's 2nd birthday! We had a really fun time. My aunt let us have a little family party at her house and dd's two cousins were there, who she loves. She got so many presents it was a little overwhelming. It's going to be really hard to keep them all and not return them for money to pay the bills....It was just a really great day, though. I'm feeling pretty good. However, tomorrow is Monday, which means another week of day care tuition is due.....:

Have you guys heard of National Museum Day? It's Sept. 29th adn I guess a lot of museums around the country are participating and will actually give free admission. If not, you can go to Smithsonian.com and print out an admission pass for you and a guest. It seems like a really good thing, as long as all of the museums aren't completely packed. One of the worst things about being poor is not getting to do fun stuff with your kids, IMO. I'm planning on taking dd to a children's museum nearby.

"If we are peaceful, if we are happy, we can smile and blossom like a flower, and everyone in our family, our entire society, will benefit from our peace." ~ Thich Nhat Hanh
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Old 09-09-2007, 11:33 PM
 
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go mr.belleweather!!

I want to take ds to a museam, but with all his sensory issues i get scared he will freak out and break something.
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Old 09-09-2007, 11:41 PM
 
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go mr.belleweather!!

I want to take ds to a museam, but with all his sensory issues i get scared he will freak out and break something.
How about aquariums? Are those bad for your ds? I saw some of those on the list at the Smithsonian's site. The Children's Museum I think me and dd will go to is like a little town for kids to walk around and go to the tiny bank and tiny grocery store.

"If we are peaceful, if we are happy, we can smile and blossom like a flower, and everyone in our family, our entire society, will benefit from our peace." ~ Thich Nhat Hanh
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Old 09-09-2007, 11:53 PM
 
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ifchildrens museasm and aquariums are included, that would be cool. Theres a childrens museam 2 towns over, and of course theres the shedd aquarium in chicago.
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Old 09-09-2007, 11:56 PM
 
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nothing in IL i could take ds to. they have free days sometimes, we are going to try go on those days
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Old 09-10-2007, 12:40 AM
 
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no, but if they do fire him, he is going to insist on seeing video tapes of exactly where the money went.
Good for your husband! I'd also get something in writing from them, saying the company is going to fight an unemployment claim
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Old 09-10-2007, 01:49 AM
 
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I'm once again joining the ranks of students... I'm starting with Career Step this week. I hope this goes better than college, especially since it's my pennies paying for it! But I think I'll be fine.

And the oil bill still looms... But that will be ok too. Found out I've already saved enough for it.
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Old 09-10-2007, 01:50 AM
 
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to you, wonderwahine!!!

Belleweather, I'm glad your washer is fixed!
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Old 09-10-2007, 01:53 AM
 
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Happy bday to your DD, LankyLizards!
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Old 09-10-2007, 02:32 AM
 
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Yay for all the good news! Washers and birthdays and school, oh my!

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Old 09-10-2007, 10:59 AM
 
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what is career steps?

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Old 09-10-2007, 01:55 PM
 
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What great mail to wake up to. First, I find out this week that my oil company screwed up again and hasn't been billing me right because of another one of their mistakes. So my $20 a month just have gas/oil for our hot water heater is a fluke. That is their service charge for just being a customer.

So the lady said I should be getting a bill soon for several hundred dollars to make up for it, and that they are sending out someone again today to see how the last person screwed up labeling our meter.

And then I get a bill in the mail from the hospital. Apparently medicaid has been denying my claims for all my OB appts, cardiologist, endocrinologist, u/s, MFM, everything since beginning of August. So you can imagine the bill I got. I called Allkids here (our medicaid) and they said there's no reason and they wouldn't deny me and the hospital screwed up, so I am praying right now that they freaking fix this.

If they don't, I don't know what I'm going to do. I have been spending literally hours every night not sleeping, trying to crunch numbers and figure out a way we can survive...and I can't fix it. We still always fall short. It's almost worth starting school again to get student loans deferred, but I would have to get more loans to stay in school and pay tuition for the school I want, and dh's college already started weeks ago, so I couldn't take classes there...

I think I'm going to have to knit some soakers and longies up to sell/trade for xmas presents and baby necessities. Other than dipes and mama pads when this co-op comes in and some clothes my MIL is bringing me this week, I have nothing. Hopefully I have enough yarn to knit up to trade and that will work, because it's the only way. And all my checks/debits are about to bounch, b/c dh only got one paycheck last month and it's catching up to us. I just don't know what the heck to do.

I think the worst thing is that when dd#1 was born, I was 17, a basically single mother, and I lived with my druggie mom. With ds, I was homeless some of the time, things were really bad, but I was still optimistic most of the time and really working on making a life for us. With dd#2, I got married to dh (a great man, no matter how much I complain about him), we had an awesome huge beautiful house on ~2 acres in a small town, he was teaching, money was tight, but life was good. And now we are in this huge, dangerous freaking city, I am afraid to go outside, we have no yard (I am very claustrophobic), the dog won't stop puking, I'm unexpectedly pg, we are completely unprepared living in what I can say is quite literally a slum and hell hole. It seems like we did so good, and now we are so screwed. Like a huge step back. We haven't been this broke and bad off for almost 5 years.

I got a call back from the newspaper asking if I still wanted to deliver. He said one just opened up in a safer neighborhood just east of here. I refuse to deliver here because it's unsafe. It's only ~$50 a week or month (unsure), but it's something that might help. Now I have to figure out how our insurance is going to freak out about that. It's already excruciatingly high since we moved here and due next month...

Sorry about the long ramble. Not so good of a mood.

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Old 09-10-2007, 02:27 PM
 
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nice to join you all.

i am greatful that:
decluttering (my current obsession) is easier because i dont have the money to buy alot of crap.
my cousin fixed my computer, after it got hit by lightening.
i have a home and can give my livingroom to my homeless friend.
food
school
my kid
my pets
my friends
my health
indoor plumbing that works

Visit the Holiday Helper thread and join in on the giving and fun! Loving and working with the plants. I have a store! or two!
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Old 09-10-2007, 02:57 PM
 
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Happy bday to your DD, LankyLizards!
Thanks!!

Oh, dnw826, I am sending you so many hugs! I hope that you and your dh can think of something that will help to improve your situation. Why are you in the city now, because of employment? Stop worrying about the medical bills. It sounds like it is just a mistake that needs to be fixed. No reason to drive yourself crazy over it. And maybe the insurance won't be too bad and the extra money from a paper route will really help. I hope it will. I hope this week is a good one for you. For some reason, I had really good luck towards the end of last week, out of no where. I hope this week is your turn!

"If we are peaceful, if we are happy, we can smile and blossom like a flower, and everyone in our family, our entire society, will benefit from our peace." ~ Thich Nhat Hanh
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Old 09-10-2007, 03:22 PM
 
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dnw826, the medicaid and hospital will have to sort it out, since you are covered, those two will have to argue over it, its not your responsibility, just keep telling the hospital if they call that you are covered and they need to contact medicaid about it. Double check that they have the right card details, sometimes someone makes a typo on the record and screws it up.
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Old 09-10-2007, 03:52 PM
 
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I think my main issue with the insurace stuff is that we just spent the last year fighting BCBS from dh's old job. They kept refusing to pay for services from June 2006, and it's still not settled even though every time we call they say it is. I am just *so* sick of insurance issues. I am done.

We are in the city now because I'm stupid. Dh' teaching job where we lived comfortably had no good insurance for family (over $700 a month for family!), so he had to find another job. He worked in pharma for awhile (chemist), hated it, so we moved back as close to family as we could. I had never been to this town, dh had his interview here and said it was great. We got here and it's really horrible.

The cheapest place we could find is on the "bad" side of town. Aka our ice cream guy just got shot and robbed while selling ice cream to a little girl down the street. The town was segregated (still really is), so the side of town his work showed him we could never in a million years afford, and housing is so incredibly expensive because everyone commutes to Chicago and it's sprawling.

So my whole dream of starting up a farm is completely gone, as well as probably even buying a house. I make it worse, too. I will look up listings of where our family lives and I can get 10 acres of beautiful land in the country and a great house within half an hour of family and a college for dh to teach at for $60k. Here that would be $600k and a 4 hour drive. I should really stop looking at those listings.

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Old 09-10-2007, 03:56 PM
 
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your in chi-town?? south side i presume? We are out in the western burbs, out in aurora. housing/apartments are reasonably priced out here, and you can get some right near the metra station if commuting is a problem.
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Old 09-10-2007, 04:00 PM
 
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In Rockford. So the East side of the river has all the commuters and rich people. The prices go up the farther from the river you go. It's insanity. For cripes sack, we're 1.5 hours away, why is the sprawl affecting us?

I guess I just got spoiled living in rural IL!

I am going to try to look for houses to buy or even rent in the Rochelle area and up by Wisconsin, because the prices go down those directions. Going farther west would equal an enormous amount of traffic for dh to get through to work on the far east side of town, so Pecatonica and such is out of the question.

I did find some good farmland with a fixer house and 1 acre under 100k near Oregon, but I hear that's an hour and a half drive. I am afraid to think of gas prices. I would totally get a horse and buggy, but I don't think that would help dh with getting to work.

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Old 09-10-2007, 04:13 PM
 
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In Rockford. So the East side of the river has all the commuters and rich people. The prices go up the farther from the river you go. It's insanity. For cripes sack, we're 1.5 hours away, why is the sprawl affecting us?

I guess I just got spoiled living in rural IL!

I am going to try to look for houses to buy or even rent in the Rochelle area and up by Wisconsin, because the prices go down those directions. Going farther west would equal an enormous amount of traffic for dh to get through to work on the far east side of town, so Pecatonica and such is out of the question.

I did find some good farmland with a fixer house and 1 acre under 100k near Oregon, but I hear that's an hour and a half drive. I am afraid to think of gas prices. I would totally get a horse and buggy, but I don't think that would help dh with getting to work.
yeah, i dont think a horse and buggy would cut it for the commute.

I've heard some parts of rockford are bad, they relocated dh's old company out to their and laid him off 2yrs ago.

Theres bad parts of pretty much anywhere, there are areas around aurora you couldnt pay me to live in.
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Old 09-10-2007, 05:22 PM
 
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So the application for food stamps went out in this morning's mail. I expect I'll get a letter in a week or two with an appointment time for my interview. If it's not already after Oct 5 I'll reschedule it for then because by that time I'll have 4 paystubs with DH's new hours. According to all the calculators I can find online we *should* qualify for about $200/mo. Hmmm...wonder if I can make $200 in food stamps + WIC last for a whole month for 2 adults, 1 toddler, & 1 baby who hardly eats any solids?

mrskennedy - Congrats on starting Career Step. I'm going to be starting with them soon as well! Did you get a scholarship? I'll be all set once I get my butt in gear & get that essay written for the scholarship application...

For anyone who's wondering Career Step is a program where they train you to be a Medical Transcriptionist. Many people work from home, but in order to get the home jobs you have to have several years of "in house" experience or certification from a school licensed by the American Assocation of Medical Transcriptionsts (which Career Step is). They have a VERY good success rate finding jobs for folks. I actually have about a year of in house transcription experience, but it was a few years ago & not enough to qualify for at home jobs. Career Step isn't a college...it doesn't take financial aid. They do offer scholarships, payment plans, and discounts for people who pay the whole amount at once.

dnw826 - Is there anyway you can relocate back near your family? If you know there are home & jobs in ranges you're looking in would it be worth it? My prayers are with you. It's so hard to have to live in a stinky neighborhood. Our last neighborhood wasn't anywhere near what you're describing, but we had some pretty bad neighbors, fights in the street on weekends, lots of bar traffic, cops always being called, etc. I do NOT miss that at all!

Oh and in my life before kids I worked in medical billing. Unless the laws in Illinois are WAY different than the laws in NY & VT, I wouldn't stress about the bills. If you are covered by Medicaid you are NOT responsible for your medical bills (well, you are to the extent it's outlined in whatever literature you got from them when you signed up...). The advice to check & make sure they have all your info is good though.

Other news for us, DH remembered that the college keeps a lawyer on retainer for students. You get something like 1 hr per "issue" to talk with him for free! I'm going to have DH set up a time to go see him about making a will. I feel awful that we have 2 kids & no will in place. So those of you who are students or married to students might want to check to see if your schools offer this. I believe it's through the Student Assocation. Where DH goes it's a mandatory fee, so I guess you are paying for it, but the $30/semester still seems a pretty good deal for a lawyer visit.
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Old 09-10-2007, 07:13 PM
 
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Janerose-that's great about the will, that's something we need to do. I hope I'm not liable for those costs! A lot of it was what I consider frivolous appointments because they were freaking out over nothing.

I desperately want to move back by family. Unfortunately, dh is a chemistry professor and it's basically impossible to find jobs without your PhD and with more than a BS. I am going to try, but he likes his job here and doesn't want to move again. I have moved 20+ times in my 24 years, so moving isn't high on my priority list, but we have to move from this apt. anyway, so why not by home? Every time it seems he signs a contract, an opening within an hour of "home" opens up. THAT is depressing. If only we would wait the week to see...

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Old 09-10-2007, 09:30 PM
 
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Dnw826: Wow, that's a great deal in Oregon, too... and Oregon is not a bad commute from Madison and all the colleges we have here (UW, MATC, Edgewood, etc.). The job market seems to be fairly strong, as well.

If you're looking north of the border, are you thinking somewhere like Beloit? Or Kenosha/Racine? If you end up looking into it seriously, let me know. I have mama friends (and family, but you wouldn't want to know them! : ) in all those areas, and can see if they have anything interesting to recommend as far as places to live and things to do. I know property in Kenosha is fairly inexpensive, especially to rent. DH's Fairy God Aunt is a long term landlord there and was shocked at what our Madison rents were. It's not the most trendy city, but what I've seen of it is fairly safe.

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Other news for us, DH remembered that the college keeps a lawyer on retainer for students. You get something like 1 hr per "issue" to talk with him for free! I'm going to have DH set up a time to go see him about making a will. I feel awful that we have 2 kids & no will in place. So those of you who are students or married to students might want to check to see if your schools offer this. I believe it's through the Student Assocation. Where DH goes it's a mandatory fee, so I guess you are paying for it, but the $30/semester still seems a pretty good deal for a lawyer visit.
That's awesome, Jenrose.

For other people who might be interested, check your local law school and see if they have clinicals where students do stuff like this for free. I did a ton of wills in law school and they're actually kind of fun... and schools have clinical programs for a lot of stuff. We actually had one for consumer debt stuff too... I shoulda signed up for that one. *sigh*

Spending all of my money and time on this wild, wild life.
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