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  Topic Review (Newest First)
Today 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!
Today 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.
Today 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.
Today 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!
Yesterday 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.
Yesterday 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.
Yesterday 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
Yesterday 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.
Yesterday 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
Yesterday 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!
Yesterday 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 =)
Yesterday 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.
09-16-2014 08:44 AM
heyxxmcfly Im not quite sure how I'm doing. I thought that things were perking up and starting to actually fit, then a dear friend of mine lost her living space to an abusive bf. So now I'm stuck in a place where I want to help her, but dont know if I would screw myself in the meantime. If I get a chance, I'll explain more and ask for advice.

Sending big hugs to everyone though. ♡♡♡
09-15-2014 01:28 PM
crazyms
Quote:
Originally Posted by Wolfcat View Post
OMG!
My van keeps having these little issues - nothing huge but it's all hitting at once. Then we get hubby a new phone to replace the one he lost, and now (less then 12 hours later) my phone won't charge! Then he goes to pull money (after talking about going to cash only for small, not-online purchasing) and he broke the debit card! Holy macaroni, what is going on here?!?
I'm deep-breathing to get this @$*!#% done. So, my attitude towards the world right now is a mix of manic optimism and Grrrrr! lol
Ours too! It's nothing major but every time dh gets home we buy a part or two and fix something then something else breaks. Some has been routine maintenance but in the last few weeks we've done transmission filter, oil filter, front and rear brakes, tie rod ends on driver and passenger side, mass air flow sensor and replaced the window switch in the passenger side. Today I replaced the window switch in the driver side. Now we have to still do the windshield wiper motor, dimmer switch, something else with the interior lights and the EGR valve.... that I know of. The van and I are having a sketchy time in our relationship right now.

I'm sending good vibes out to everyone and hoping things improve for all. It's really busy around here in the fall with soccer season and the holidays. We're doing okay. Just working out the kinks in the vehicles and doing some cleaning and decluttering.
09-15-2014 12:47 PM
sillysapling
Quote:
Originally Posted by Wolfcat View Post
OMG!
My van keeps having these little issues - nothing huge but it's all hitting at once. Then we get hubby a new phone to replace the one he lost, and now (less then 12 hours later) my phone won't charge! Then he goes to pull money (after talking about going to cash only for small, not-online purchasing) and he broke the debit card! Holy macaroni, what is going on here?!?
I'm deep-breathing to get this @$*!#% done. So, my attitude towards the world right now is a mix of manic optimism and Grrrrr! lol
I noticed in your signature that you're pagan/interested in metaphysical stuff. I don't know if you do any work for financial well-being, but I can give a few suggestions if you want. Everything actually went to crap when we moved and my stuff got misplaced in it, before then we were never great but we also were never at risk. (although I wasn't doing loads of work towards it, I'm actually impressed how well what little I did kept our heads above water)

We've actually finished about a week of intensive negativity clearing to get rid of the gunk that was keeping bad luck coming our way and I'm working on clearing some blocks of my own. It's not 100% perfect, but things are definitely on an up-swing and I expect them to continue.
09-15-2014 12:28 PM
happyhats justmama, can they give her a rescue inhaler? When I was a teenager I got a horrible respitatory illness that gave me so much sinus pressure I almost burst my ear drums from blowing my nose, and I needed an inhaler bc I couldnt walk from one side of our small school to the next without it.

Its been a rough week here, for nonfinancial reasons. My hubby works at a fairly small place, and since hes social everyone is his friend/acquaintence. There was an unexpected death and a huge car accident involving a couple workers and the death of an underage edestrian. All in a week. Add to that Im pmsing so Im lethargic and headachey. Boo.
09-15-2014 10:14 AM
justmama Speaking of sick kids.....ugh. mine were sick with hand foot and mouth 3 weeks ago. Then it was that tummy bug. Now my youngest has been ill for over 2 weeks with some respiratory thing. It was a mild cold that turned into wheezing amd a constant cough. She's home from school at least today and tomorrow. Her asthma was bad as a little one ans last winter she did a lot better. I was so encouraged. But already now she's on oral steroids plus a twice daily inhaled steroid now plus albuterol for wheezing. Right back to how we were. If she doesn't sound better in a day or two, they want to talk about MORE meds. :/ poor kid can't leave the house because it's too far from her nebulizer. I'm supposed to start a new job Wednesday. Ugh. It never ends.
09-15-2014 10:11 AM
Wolfcat OMG!
My van keeps having these little issues - nothing huge but it's all hitting at once. Then we get hubby a new phone to replace the one he lost, and now (less then 12 hours later) my phone won't charge! Then he goes to pull money (after talking about going to cash only for small, not-online purchasing) and he broke the debit card! Holy macaroni, what is going on here?!?
I'm deep-breathing to get this @$*!#% done. So, my attitude towards the world right now is a mix of manic optimism and Grrrrr! lol
09-15-2014 05:41 AM
laura163
Quote:
Originally Posted by frugalmama View Post
~My wonderful credit union waived 2 NSF fees for me, so my account is back in the black
I love credit unions vs a bank. So much nicer and easier to deal with!
09-14-2014 05:27 PM
Wolfcat
Quote:
Originally Posted by crazyms View Post
Look at zennioptical for his glasses. I get ours there for $15 or less per pair shipped. I've used goggles.com as well and they were okay too.
We use eyebuydirect.com, which is similarly priced.
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