Mothering Forums - Reply to Topic

Thread: 2014 Low Income Support Thread Reply to Thread
Title:
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Trackback:
Send Trackbacks to (Separate multiple URLs with spaces) :
Post Icons
You may choose an icon for your message from the following list:
 

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



  Additional Options
Miscellaneous Options

  Topic Review (Newest First)
Today 02:55 PM
sillysapling
Quote:
Originally Posted by heyxxmcfly View Post
I wish this would happen for me. It seems like I'm one of those State Aid Horror Stories. Ds' s insurance and my food stamps were cancelled again this month. For no reason. And every time I go to call I get skipped to a voicemail that doesn't even take messages. D:
Ugh, that's awful. Is it possible to go in person? I've found that's the only way to deal with DSS and even then it's iffy at best.

Quote:
Originally Posted by Satori View Post
In many states getting SNAP may also require one or both of you to participate in a work search program and working a certain amount of hours per week.
If you have two parents in the house, I've never seen a state that doesn't require both to work. The only exception is that, after having a baby, one parent can be exempt for a certain period of time.

Quote:
It sounds like you'd be better off just going to food banks unless your ready to cash in your 401k and empty your bank account which they will make you do. Getting aid really puts you through the ringer and you can't really have any assets, you are literally living on the edge once you get to that point. Wish I had better news for you
This. Public assistance sucks. And that's without mentioning that you have two choices to apply: put in an application and hope it gets there, or a multiple hour long wait in an office that's only open during business hours, so if both parents are working then one of you has to take time off work and you have to either pay a babysitter or take the kids with you (don't worry- most people there have young children with them, too). And they do often "lose" your paperwork. I've walked in, handed the paperwork to the receptionist because I couldn't give it to my worker directly, and a month later found out it was "lost" (they wouldn't tell me until a month later). I've had them lose materials that I gave them and saw them put scan into the @#$#@ computer. Or the calling process that requires you to sit on hold for 5 hours. Or the snippy social workers who see you as nothing but a lazy waste of tax-payer money and refuse to look at the whole picture.

Also, there's generally at least a month that they have to "process" your application, so you wouldn't be getting benefits now. (and if they "lose" your application, then it's a month from the time they actually get it) If there's any chance of you getting a better job in a few months' time, it's entirely possible that they won't even have sorted out your benefits before you get a new job that means you no longer need it anyways.

Quote:
If you have kids under 5 WIC would be a good option for you at least.
Definitely agree.
Today 11:20 AM
elliha Uhhh... My husband was supposed to do some repairs to the car today, more maintenance than absolutely urgent but the type that will make the car work for longer and hopefully mean we might be able to actually sell it later on rather than taking it to be demolished. He is good with cars and his friend who was helping is a trained mechanic but the things that they needed to change was stuck and in trying to get it out the only thing they accomplished was trashing another part... The new part is not extremely expensive but it is still the equivalent of 60 dollars down the drain. I really hope they manage to fix it for real later on this week.
Today 10:45 AM
Satori
Quote:
Originally Posted by zebra15 View Post
A bit of good news, seems our food stamps were automatically renewed until January. I have no idea whats going on but we got a reapplication letter last month, i didnt respond and was expecting a closure/decline letter when i received this approval letter today. I hope medical goes the same way later this week. I really do not understand the government around here.
Thats awesome!

Quote:
Originally Posted by mamarhu View Post
Cool! I have a slightly similar situation going with SSI. I think they are overpaying me, but I just don't have it in me to call them yet again to try to get it stopped. Seriously, I have had several long phone calls with them, explaining how we are no longer eligible. They say they will be stopping the payments, then I check the card the next month and it shows a new deposit. I know I will have to repay it someday, but I really do need it now . I find it pretty funny, except that it is also sort of scary.
They are not nice about it when they want it back and will demand it all at once. I know its temping to use but I wouldn't if you can possibly avoid it.

Quote:
Originally Posted by heyxxmcfly View Post
I wish this would happen for me. It seems like I'm one of those State Aid Horror Stories. Ds' s insurance and my food stamps were cancelled again this month. For no reason. And every time I go to call I get skipped to a voicemail that doesn't even take messages. D:

I received my refund from the College today... I'm not sure what to do with it now. I wasnt even expecting to get it, or so soon. I only found out because I was checking my email while I'm not sleeping.
Can you just go down in person to get it straightened out? Same thing happened to my neighbor this week Wonderful about the college


ugh, being sick sucks.

I can't wait for the days to cool down so we can start eating tons of soups. High today is 90F, thats just not right this late in the year.
Today 12:19 AM
heyxxmcfly
Quote:
Originally Posted by zebra15 View Post
A bit of good news, seems our food stamps were automatically renewed until January. I have no idea whats going on but we got a reapplication letter last month, i didnt respond and was expecting a closure/decline letter when i received this approval letter today. I hope medical goes the same way later this week. I really do not understand the government around here.
I wish this would happen for me. It seems like I'm one of those State Aid Horror Stories. Ds' s insurance and my food stamps were cancelled again this month. For no reason. And every time I go to call I get skipped to a voicemail that doesn't even take messages. D:

I received my refund from the College today... I'm not sure what to do with it now. I wasnt even expecting to get it, or so soon. I only found out because I was checking my email while I'm not sleeping.
Today 12:08 AM
mamarhu
Quote:
Originally Posted by zebra15 View Post
A bit of good news, seems our food stamps were automatically renewed until January. I have no idea whats going on but we got a reapplication letter last month, i didnt respond and was expecting a closure/decline letter when i received this approval letter today. I hope medical goes the same way later this week. I really do not understand the government around here.
Cool! I have a slightly similar situation going with SSI. I think they are overpaying me, but I just don't have it in me to call them yet again to try to get it stopped. Seriously, I have had several long phone calls with them, explaining how we are no longer eligible. They say they will be stopping the payments, then I check the card the next month and it shows a new deposit. I know I will have to repay it someday, but I really do need it now . I find it pretty funny, except that it is also sort of scary.
Yesterday 11:26 PM
zebra15 A bit of good news, seems our food stamps were automatically renewed until January. I have no idea whats going on but we got a reapplication letter last month, i didnt respond and was expecting a closure/decline letter when i received this approval letter today. I hope medical goes the same way later this week. I really do not understand the government around here.
Yesterday 05:28 PM
mommaof3boz Satori I'm so sorry. What a horrible week
Yesterday 12:23 PM
Satori
Quote:
Originally Posted by mumm View Post
Is anyone here comfortable answering food stamp/SNAP benefit questions? I'm thinking of applying. In the on-line screening process they asked about income and savings. But the actual application only seems to ask about income. We have a bit of savings (bank accounts, 401K, own our cars outright etc.) but our new (very low) income seems to make us more than eligible for assistance. Do they ask to see bank accounts at any point? Is it silly to apply if we have substantial 401K and pretty solid bank account? Will they look at last years w2, or just the past few weeks? I don't want to waste their time (and mine) if having reserves automatically disqualifies us.

Today I applied for free/reduced lunch and that seemed very straight forward.

Thanks!
You will have to show ALL assets including bank accounts, 401K, insurance policies that could possibly be cashed in, they will look up the value of your cars. Often your only allowed 1 car which may or may not be subject to asset limits. Most states seem to limit assets, especially liquid assets to $2k. In many states getting SNAP may also require one or both of you to participate in a work search program and working a certain amount of hours per week. In CA it was 32hrs week for single parents, I know here in Idaho its what ever it takes to earn $208 week then they quickly slash your amount for making to much and happily point out that by working you get a big tax return which doesn't help feed you NOW. It sounds like you'd be better off just going to food banks unless your ready to cash in your 401k and empty your bank account which they will make you do. Getting aid really puts you through the ringer and you can't really have any assets, you are literally living on the edge once you get to that point. Wish I had better news for you If you have kids under 5 WIC would be a good option for you at least.


Looks like everyone else is having a bad week too, I'm panicking, I totally screwed up, I didn't realize I used the wrong atm card to pull cash and over drew the account and its the bank that is not local. So I called to set to the new mobile deposit thing and they still haven't set it up a week later and I now have another $30 NSF fee because its been 10 days (took me a week to realize I used the wrong card when I checked balances), I could swear I changed my paypal debit over to the new local bank and I see its been added but none of the auto billing stuff transferred over to the new card even which I switched it which further over drew the account. I just want to throw up I'm so stressed right now, we were literally going to make next month down to the dollar to cover basics and now due to NSF fee's were screwed. I can't even call the bank until Monday to see if I can beg them to remove the fees. I switched everything on Amazon over too and even removed the card/banking info yet they STILL billed to the old acct and further overdrew it Praying I can get it all sorted out. To add to my stupidity I've been so busy dealing with appts for the kids issues this past week I forgot about our library books and now we have $15 in late fees I need to make bread since I dont have money to buy any and I can't even find the bleepin box that has all my GF flours in it to make it, no idea what were going to do for lunch since were down to stuff that takes hours to cook. This unpacking thing sucks I've only got so much time energy and I just plain ol need help at this point oh yeah, I'm getting sick

Praying we all have a better week next week
09-19-2014 04:37 PM
treehugger86 I do not come online often enough to keep up with all the posts. I hope that all of you with sick little ones (or are sick, yourselves, too) are feeling better!

We are definitely going with ZenniOptical, but it will have to wait a few more weeks. We also canceled DH's dentist appointment. We are on stress overload (and I could be coping a lot better). There were a lot of expenses in these last few weeks. We are going to have to plan a lot better to prepare ourselves for these cycles of expense. That is life, right? We are trying to focus on all the positives in our lives, and that really does seem to make a difference. It feels as though there is a lot that is beyond our control, but at the end of the day, DH and I have our (relative) health, stable housing, and food to eat.

Quote:
Originally Posted by mommaof3boz View Post
Do you sometimes fell everyone you know is financially better off than you? I feel like we are the only broke ones. I know its not true but it feels like it
I know that feeling, but at the same time, I know that a lot of my friends are quiet about financial struggles. We just have to remind ourselves that we are not alone!
09-19-2014 01:11 PM
elliha
Quote:
Originally Posted by mommaof3boz View Post
Do you sometimes fell everyone you know is financially better off than you? I feel like we are the only broke ones. I know its not true but it feels like it
Yes and no. Most of my colleagues have houses or own their apartment, they have newish cars and new and classy furniture. We rent, have an old extremely yellow VW Passat which is 11 years old and while in a relatively good condition it is not exactly a status symbol and our furniture is hand me downs, second hand or if new from IKEA (I live in Sweden remember...). We bought our first flatscreen TV 2 years ago when most of my friends had upgraded theirs several times.

Still, I am very thankful we do not have much depth (only my husband's student loans), I can afford to give my family good food and we have a nice apartment (in a less affluent neighborhood though but not too bad I think), we can afford to have a car at all, we can afford good clothes for us and our daughter (partly by buying second hand) and we can have some little treats that make life good but not eat out all the time and buy exactly what we want without thinking.

It isn't too bad but sometimes it is hard not to think how much better our live would be financially if we both had a job.
09-19-2014 09:49 AM
sillysapling We're trying to spend as little as possible, preferably nothing, until October. Unfortunately we're running out of cat food so we'll have to buy that- but it's not a huge expense. We have kiddo on WIC which is helping with that. We shouldn't have to buy more milk or fruits/veg than it covers.

Quote:
Originally Posted by happyhats View Post
My husband gets discouraged because he sees his coworkers going out every weekend, getting expensive cars, havingbpricey phones etc. But upon a closer look they are either sleeping on someones couch, single, and/or not meeting their responsibilities.
I have a co-worker like that, although I saw it the other way around. She works two jobs, 70 hours a week, and has a roommate and isn't able to save up any money. I know her paycheck sucks, but I was mystified that she could be working so much and unable to put anything away when she was living with at least one roommate. Then I realized that she eats out a lot, possibly every meal, she gets Starbucks coffee probably at least once a day, she goes and buys stuff at Hot Topic, etc.

Quote:
Originally Posted by mumm View Post
Is anyone here comfortable answering food stamp/SNAP benefit questions? I'm thinking of applying. In the on-line screening process they asked about income and savings. But the actual application only seems to ask about income. We have a bit of savings (bank accounts, 401K, own our cars outright etc.) but our new (very low) income seems to make us more than eligible for assistance. Do they ask to see bank accounts at any point? Is it silly to apply if we have substantial 401K and pretty solid bank account? Will they look at last years w2, or just the past few weeks? I don't want to waste their time (and mine) if having reserves automatically disqualifies us.

Today I applied for free/reduced lunch and that seemed very straight forward.

Thanks!
It varies state to state. Look up your state's DSS website, it'll have information about who qualifies. Overall- liberal states tend to have better programs, conservative states tend to have worse.

If you've got enough in the bank accounts, you may not qualify in most places. Also, welfare sucks. Even in CT, which had a pretty decent system, it was soul crushing and miserable. (except insurance- I will never stop singing the praises of Husky) I'm honestly convinced that public assistance is actually designed to keep poor people poor. Depending on your savings, you'd probably be a lot happier buckling down to the bare minimum of spending for a few months while you find a better job.

You own your cars outright? If they're nice enough cars, why don't you sell them and down-grade to cheaper ones? If you can sell your car for $10-20k, get a car less than $5k, spend a thousand or two to fix it up- you're over $3k up and your insurance costs'll probably go down. Obviously check the mileage- if your insurance costs go down but you double the money you're spending on gas? Not worth it. I'm hoping we'll be able to get a used hybrid next time, especially if I'm still at a job that requires a lot of city driving, we're getting at best 20mpg and it's awful.

And, yes, in a lot of places you'd be REQUIRED to sell at least one of your cars before qualifying for state aid (maybe both, depending on their worth)- I know of at least one woman who's been totally shot in the foot by state aid, she had to sell her car, couldn't afford to replace it, she's on a waiting list for state-subsidized day care, and she can't find a job willing to hire someone without reliable transportation, not that looking for one without reliable transportation is easy.
09-19-2014 06:20 AM
mumm Is anyone here comfortable answering food stamp/SNAP benefit questions? I'm thinking of applying. In the on-line screening process they asked about income and savings. But the actual application only seems to ask about income. We have a bit of savings (bank accounts, 401K, own our cars outright etc.) but our new (very low) income seems to make us more than eligible for assistance. Do they ask to see bank accounts at any point? Is it silly to apply if we have substantial 401K and pretty solid bank account? Will they look at last years w2, or just the past few weeks? I don't want to waste their time (and mine) if having reserves automatically disqualifies us.

Today I applied for free/reduced lunch and that seemed very straight forward.

Thanks!
09-18-2014 08:58 PM
happyhats My husband gets discouraged because he sees his coworkers going out every weekend, getting expensive cars, havingbpricey phones etc. But upon a closer look they are either sleeping on someones couch, single, and/or not meeting their responsibilities.
09-18-2014 07:31 PM
sillysapling Most of the people I know right now are from work, and they're in the exact same crappy situation as me. Okay, most are smart enough not to have had kids yet but that's another story... In my family, though, yes? I feel like the only one out of all my cousin's who's "screwed up". (which is actually silly because all of my eldest cousins had unplanned pregnancies when they were NOT in a position to handle it... Being too poor for kids but having htem anyways is kind of my family's thing. :/)

It helps to remember that, when I was my kid's age, my parents were on welfare. My mom didn't have a job for most of my life and after I moved out and she no longer got child support, she was REALLY badly off for quite a few years. She's got a pretty decent job now at least. I don't think either of my parents have much saved up for retirement and I have no idea what's going to happen in the future, since I'm an only child. This isn't the life I wanted, this isn't how I thought my life was going to be, but we're not dead in the water and we've got a few years to get on track. This is actually the best time to be poor, in terms of kiddo, because he doesn't need much and he's too young to realize that he doesn't have a lot of things others do. My partner and I both grew up somewhat poor (never went hungry, thankfully, but definitely not middle class) and are okay. I don't even want to be a millionaire, as long as I can keep a roof on my head, food on the table, and some small comforts- I'm happy.
09-18-2014 07:11 PM
mommaof3boz Do you sometimes fell everyone you know is financially better off than you? I feel like we are the only broke ones. I know its not true but it feels like it
09-18-2014 05:04 PM
happyhats Im so happy that our library system did away with late fees. I know Id be in debt otherwise! lol. Doing a few odds and ends like scouring a burnt pot, soaking the brita filter, etc. The kiddos were outside playing with bugs and picking flowers and now theyre climbing a tree with friends. It will be bath time soon! dd wanted to make paper chains but she may have forgotten.
09-18-2014 03:22 PM
frugalmama Quick update from the library - *hugs to all* BTW.

~DD is better thankfully. Spent a week with her sick though.

~peeved at our public library system. Tried to set up a payment plan but they wouldn't accept it unless I could pay 10% each month {which is more than I can afford right now} plus they were quite rude about it. They just got bumped to the BOTTOM of my debt payment list. I want to pay it off, but at that cost it's cheaper to just buy books at thrift shops / PBS.


Gratefuls:

~Had a unexpected check show up for $200 from a class action that underpaid a while back. SOOOO glad. Going to go towards bills.
~Sweater business is going well
09-18-2014 12:12 PM
happyhats Im glad, crunchy. It seems like landlords always having a way of keeping yr deposit.

I cooked.up some corn stock for soup tonight. welcome, welcome fall! No.running the heat or ac, eating more soups-great frugal weather lol!
09-18-2014 10:43 AM
kindofcrunchy82 thanks goodness i heard from my old landlord and got a check in the mail for most my deposit back in the mail today! Some great news just in time for my bday weekend =)
09-18-2014 06:24 AM
Mylie
Quote:
Originally Posted by mamarhu View Post
I had a pretty good experience with bad luck today.

I got a flat tire at work, and nearly cried -I use my car for work and couldn't see how I was going to pay for a repair or a new tire. I also was going to miss my next appointment while I dealt with this nonsense. Well first a coworker helped me change the tire. While we were doing that, my client called to cancel (I still get paid!).Then I took the tire to be repaired, and my favorite mechanic in all the world fixed it for free!

Awesome!!!!!!!
09-17-2014 10:16 PM
zebra15 As someone who 'roommated' before, I would advise against it. Nothing ever worked out and I ended up getting stuck with more than my fair share of the bills. Not only is there rent, there is power, cable, internet, groceries etc. Plus all the non food stuffs a household needs that no one ever wants to pay for. I vote for staying at home, finishing school and not messing with the insurance.
09-17-2014 10:10 PM
elliha About your friend and possible flaking and the insurance, can you officially stay with your parents and get your mail to them but in fact live with her and have just her on the contract?
09-17-2014 07:24 PM
heyxxmcfly I am staying with them, but I dont save much at all while here. And im not sure she would flake but she's not a very decisive person sometimes
09-17-2014 07:07 PM
sillysapling If you think she'll flake and leave you high and dry, that doesn't sound like a good idea unless you get a place that you can afford on your own just in case.

Would your parents let you stay there while you worked, then you could save up money?
09-17-2014 03:14 PM
heyxxmcfly I'm taking after all you lovely ladies, and I'm updating from the library

So all of this stuff this my friend (PA) is that she's homeless now that she's away from her xbf. We had always talked about getting an apartment together so now that she -needs- a place to stay she's trying to put that plan in motion. We found a place that's managable in the short term, but I'm worried that she's going to flake out and I'm going to be stuck. I also learned that if i move out of my parent's house that I may lose my car insurance. I have to keep insurance because I have already been down that road and I don't really like not having that security blanket. I'm actually thinking of stopping my schooling (again) because I feel like I can work more and earn more in the short term and go back to school when DS is all "grown" up and not in such a costly daycare.

I guess my question would be, should I move out with PA and stop school like I want to or should I just stay at home and "save" money. I'm not saving much at home because I still pay for everything myself...

Oh lordy. Speaking of DS, I should go get him.
He's been so very tired lately. I'm looking for a second job even though my primary job pays well when I get good hours.

Much love & big hugs. If it's not one thing it's another
09-17-2014 02:32 PM
mamabear0314 Hi everyone, I'm around. I got my own place (yay) but now I'm super broke. I'm a tad anxious about it but we will survive as we always do. I got my oldest into public school. I was so anxious about it but he seems to be doing really well. My middle child is in head start and loves it. My mom is still watching the baby MWF and he goes to moms day out TR. I'm struggling with my classes though. :/
XDH is trying to use his crazies to get out of the army which would totally screw us with Corbin's therapy and such.
09-17-2014 10:32 AM
happyhats Like mamarhu!
09-16-2014 10:54 PM
mamarhu I had a pretty good experience with bad luck today.

I got a flat tire at work, and nearly cried -I use my car for work and couldn't see how I was going to pay for a repair or a new tire. I also was going to miss my next appointment while I dealt with this nonsense. Well first a coworker helped me change the tire. While we were doing that, my client called to cancel (I still get paid!).Then I took the tire to be repaired, and my favorite mechanic in all the world fixed it for free!
09-16-2014 06:04 PM
crazyms Hope you can figure out what's best for everyone heyx. Sending good vibes your way and for your friend too.
09-16-2014 12:24 PM
happyhats hope u can reach the right answer, heyx.
This thread has more than 30 replies. Click here to review the whole thread.

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off