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  Topic Review (Newest First)
Today 12:24 PM
happyhats hope u can reach the right answer, heyx.
Today 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. ♡♡♡
Yesterday 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.
Yesterday 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.
Yesterday 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.
Yesterday 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.
Yesterday 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
Yesterday 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.
09-14-2014 01:04 PM
frugalmama Checking in quickly from the library again. My dd is sick but getting better thankfully.

Another vote for ZenniOptical here - my glasses came from there {$15} and have held up wonderfully. I am hard on my glasses too & have been surprised at how well they have held up.

Hugs to all - trying to be quick so can't reply to everyone

Gratefuls:

~Sweater business is kicking off! Should get paid for my 1st box this week.
~DD is getting better & I actually had medicine for her already thanks to a sale
~My wonderful credit union waived 2 NSF fees for me, so my account is back in the black
09-14-2014 07:05 AM
EmsMom
Quote:
Originally Posted by justmama View Post
I would still look into zennioptical. My mom bought my oldest daughter a pair of transitions lenses glasses for $54 shipped for her birthday last year. Their prices are usually very reasonable. Ans i want to say it took like 2 weeks. Not bad.
Agreed! I have also found that the online glasses I have purchased actually seem to be more comfortable and they seem to last long which kind of surprised me...
09-14-2014 05:23 AM
justmama I would still look into zennioptical. My mom bought my oldest daughter a pair of transitions lenses glasses for $54 shipped for her birthday last year. Their prices are usually very reasonable. Ans i want to say it took like 2 weeks. Not bad.
09-14-2014 03:56 AM
EmsMom
Quote:
Originally Posted by treehugger86 View Post
Thank you! Thank you! $15 would be AMAZING. We are looking to dental clinics, but DH is very hesitant. He has a relationship with this dentist, and with his other health concerns, doesn't feel very confident. He is, however, open to the investigation.



I'm also still reading through the thread, and getting to know everyone one. I agree, someone amazing people here. That includes you.



Sending positive vibes and some extra love, too!
$15 would only be for an uncomplicated single lens prescription. However, the online places are still overall cheaper. I have gotten a pair of progressives for around $200, when the local places the same prescription is closer to $500.
09-12-2014 07:13 PM
treehugger86
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. Check into low income/sliding scale student dental clinics. I know our university offers dental work at a discounted rate because it's done by the resident dental students (under the supervision of the professor). That may be an option for cheaper dental work.
Thank you! Thank you! $15 would be AMAZING. We are looking to dental clinics, but DH is very hesitant. He has a relationship with this dentist, and with his other health concerns, doesn't feel very confident. He is, however, open to the investigation.

Quote:
Originally Posted by ChristineAnn View Post
Wanted to pop in to say I've been slowly reading all of the posts in this thread. I'm about half way through.
I'm in a very tough spot in my life due to a 2.5 yr long divorce involving a lot of attorney expenses, an ex doing all he can to not pay support (I was a sahm of 5 yrs when he left) and him barely existing when it comes to helping with my kiddos.
It's been a very difficult couple of years and I only wish I found this group sooner! You are all so inspiring to follow. I've met an amazing man who I'm currently expecting a babe with (huge surprise, what timing). We have 3 kiddos already between us. We are working very hard to rebuild our lives/build our life together but it's not easy. I'm also now dealing with barely working due to some pregnancy related issues so it's given me time to read through this thread and find some hope.
Anyways that's all I've got for now but I wanted to say each and every one of you are amazing!
I'm also still reading through the thread, and getting to know everyone one. I agree, someone amazing people here. That includes you.

Quote:
Originally Posted by kindofcrunchy82 View Post
I just texted my old landlord asking if he had mailed my deposit. I need positive vibes! I went over the budget and realize that having that extra 900$ back could really help us out and I am just hoping he forgot.
Sending positive vibes and some extra love, too!
09-11-2014 01:01 PM
kindofcrunchy82 I just texted my old landlord asking if he had mailed my deposit. I need positive vibes! I went over the budget and realize that having that extra 900$ back could really help us out and I am just hoping he forgot.

And the budget =/ There is really not much wiggle room here with the new place and I am a bit bummed. I had projected us being able to save and pay down debt by about 1000$ a month and apparently my numbers were wayyyy off. Come november when I lose my alimony we will only be looking at an extra 300-500 or so for wiggle room after rent, utilities, debt, food, gas etc. I know that is still quite a bit but with hollidays coming up and who knows what random expenses(they come out of left field all the time) There just isnt much left over. So we only have one more good month before our budget has to seriously tighten up. I am sooooo tired of living like a broke tightwad! I just want to be able to breath knowing that there is enough to cover everything and enough in savings and no more debt!
09-11-2014 12:04 PM
ChristineAnn Wanted to pop in to say I've been slowly reading all of the posts in this thread. I'm about half way through.
I'm in a very tough spot in my life due to a 2.5 yr long divorce involving a lot of attorney expenses, an ex doing all he can to not pay support (I was a sahm of 5 yrs when he left) and him barely existing when it comes to helping with my kiddos.
It's been a very difficult couple of years and I only wish I found this group sooner! You are all so inspiring to follow. I've met an amazing man who I'm currently expecting a babe with (huge surprise, what timing). We have 3 kiddos already between us. We are working very hard to rebuild our lives/build our life together but it's not easy. I'm also now dealing with barely working due to some pregnancy related issues so it's given me time to read through this thread and find some hope.
Anyways that's all I've got for now but I wanted to say each and every one of you are amazing!
09-10-2014 11:26 AM
crazyms 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. Check into low income/sliding scale student dental clinics. I know our university offers dental work at a discounted rate because it's done by the resident dental students (under the supervision of the professor). That may be an option for cheaper dental work.
09-10-2014 10:45 AM
treehugger86 Thanks for the warm welcome! Everyone has a lot going on. Sending good vibes in your direction!

We have some major (and unexpected) expenses. I'm feel very anxious. I know that it will work out, but it is all feeling very heavy on my chest right now.

My DH went to the optometrist and dentist (in anticipation of being losing his disability assistance). We were told that the appointments would be covered, but it was a partial coverage, and an unexpected $75.00. DH has a new prescription and will require new glasses. We are going to look into Costco (or online options), but it is not going to happen in the near future. (He was quoted at around $350.00). The dental situation is a lot worse. DH has seven cavities, and will require $1,400.00 worth of work. (He is on several medications that increase the risk of cavities). Disability will cover around $900.00, but that still leaves $500.00. We cannot wait for this expense. We will need to request help from DH's family. That is never very comfortable. (I also have a mediocre dental plan as a graduate student. I am also going to look into the expense of adding a spouse to the plan).

We have also been having some difficulties with one of our cats. We have avoided the vet for months, because of the expense, but I've been very concerned about her quality of life (regarding possible geriatric pain). She also has an intermittent rash. It was soothed with coconut oil and diet changes, but after a few months of absence, was back with a vengeance. Short version? We had to put $400.00 on credit. That includes treatment for all the felines, but Dorothy will require monthly treatments. I will have to do online research to search for cheaper alternatives.

I love the gratitude in this thread. I am grateful for:

My husband's (relative) health. He is feeling very strong right now.
Garden fruits and vegetables.
A very supportive academic supervisor. (We met yesterday. She is fabulous).
My headaches and migraines have been better under control.

Edit: I forgot to add. We had some major plumbing issues. We were able to resolve most of them over the phone with a plumber.

Sending love to all of you!
09-10-2014 06:29 AM
Mylie
Quote:
Originally Posted by mommaof3boz View Post
I love that statement: I might not have any money but my bills are paid. That's what keep us going...
Ditto!!!!!
09-09-2014 07:04 PM
crazyms I'm going to try to do this and hope I didn't miss anyone:
@sillysapling That sucks about the baby's Medicaid. I hope they get it sorted out soon and before it's needed! Good luck with arranging hours between the two jobs. Multiple jobs gets crazy and stressful. Take care of yourself! @frugalmama - I'm sorry your dd had a meltdown over the bus pass but at least you have it now. That's great and the birthday gift! I'll let you know if I think of any ideas. Is there any way you could get childcare to work outside of the home even a little? Did you breastfeed dd? I worked from home as a breastfeeding counselor for a while. I'll keep thinking. I hope you have good luck finding sweaters! What kind do you need? Anything in particular? @justmama - Thanks! I am very proud of myself for quitting and sticking with it. It was actually easier than I expected. Guess I was just finally ready! Congratulations on your job! I hope you can get more hours soon though! @mumm - Thanks! I plan to stay quit. Forever. I think part of the reason it went so well though was I told myself I was quitting for me and if I wanted I'd start back for me! No need to start back yet though @Satori - I'm glad things have been improving for you. I hope they get another client quickly! We definitely need more good news around here. @treehugger86 - Welcome to the thread! @happyhats - Kids clothes are expensive! The Kohls bucks was a nice gift though. I need to assess our fall/winter clothes soon here too. It'll be fall in another month or so! @elliha - Yay for full time work!


A little good update here. We have worked all week cleaning up and selling things. We have sold quite a bit and got a significant boost to our little savings. I go tomorrow to sort out our savings and checking accounts with the money. We're actually about to call and talk to the realtor about a house we looked at a few weeks ago and hope that we can get it. We will have to offer less than the asking which is already really low but we'll see what happens. If we can't work anything out right now I'll just have to keep saving and hope it doesn't sell anytime soon. I hope we can work something out though. I'm doing my best not to get too worked up about it although it's difficult not to.
09-09-2014 04:05 PM
Satori
Quote:
Originally Posted by justmama View Post
Satori, I bet your cost of living is lot less than mine. I bet that's why $9.50 is considered good there. I live in New England and everything is crazy expensive here. I'm glad you are doing so well though. What a difference from a few months ago though huh?
Its still expensive here but not like some cities, a dumpy 2 bedroom is about $800 when I check craigslist. Not sure how long we will be doing well, got the text this morning that my client just went to assisted living so my hours went to zero until they get another night client. I'm just glad they decided not to recert my rent since the hours are gone so it will stay at $147mo which is awesome

Quote:
Originally Posted by mommaof3boz View Post
I love that statement: I might not have any money but my bills are paid. That's what keep us going...
Love that too!
09-09-2014 03:36 PM
frugalmama Justmama - I'm higher in the dumps, at least lol. Not quite as low as I was thankfully. Glad to hear you found a job, even if it's PT.

CrazyMS - WTG on quitting smoking!

Satori - glad to see you around here again. I was wondering how you were doing. So glad to hear your dd's are doing well.

Treehugger - Welcome! Hugs - It's so hard when dealing with any type of disability & income issues.

Doing a little better here today. My MIA new credit card finally showed up yesterday, so today was spent running errands with it. Working on ramping up the sweater business - it's the best things I can do right now to turn a profit quickly.

My aspie dd had a meltdown today, and I feel awful for causing it. It's been ages since she had one, and honestly I thought she was past it. She has a thing about folks taking her photo - and she needed a new ID for the bus system in order to get a student pass. We ended up having a pic of her on my lap mid-meltdown Thankfully she calmed down pretty quickly after we left, but I still feel bad.

Gratefuls:

~We have all our needs met, in one way or another.
~Friday is my dd's birthday, and I actually found 2 brand new American Girl books she didn't have today at Goodwill. She got her present early
~I can at least envision a light at the end of the financial issue tunnel, if I try hard & work a lot with sweaters.
09-09-2014 01:36 PM
elliha Bad month. We are definitely going to make it but I had to dip into the savings for one bill but I count on being able to fix that this month or next. We have moved to a bigger place (very necessary we were in a 1 bedroom apartment and going on each other's nerves, now we are in a 3 bedroom) so we have needed to get some stuff to get settled and I had that extra bill to pay this month and it was also a month with two big bills which cover insurance for our daughter and our car which are paid once a year. The last two were expected and planned for but it is still more money than usual. I have had a lot of time off due to my daughter going to a new daycare and them only allowing us to have her there part time the first weeks to "school her in" which of course made my pay check smaller and this will affect this month's check as well... Now at least I can work full time again and "bring home some bacon". My husband's course he wanted to take has been postponed another week but he has been allowed to stay in his work experience program until they have given him admission so this will at least not affect our money in from his part although he only get very little.
09-09-2014 11:12 AM
happyhats Not much new here. Cleaning out a few things and picking up my house. I had to get rid of most of my dds upcoming fall wardrobe and buy new. Man, kids clothes are expensive! Luckily the majority of what I had Id gotten free but Im questioning buying ahead now. I still need to try on coats but I think they should be good.

My mom gave me ten dollars kohl cash so I will be going to them this weekend for a freebie. I also need to hit the library for drop offs and getting new things. We have a few experiments planned this week.
09-08-2014 06:12 PM
mommaof3boz I love that statement: I might not have any money but my bills are paid. That's what keep us going...
09-08-2014 05:15 PM
justmama I'm sorry i keep multi-posting. This new format is really messing with me and i'm still without a computer.

Gratefuls:
-i got my drug test, my bci, and my tb test done for the new job. One more tb test in a week and i'm done.
-I've had two awesome runs in two days. My calf tear is healing nicely and my speed is coming back. It makes me a much nicer person.
-i might have no money in the bank but my bills are paid. I'm thrilled.
-today was lovely out. Much cooler. Its been 87ish and 90% humidity for like 3 days now.
09-08-2014 05:07 PM
justmama Treehugger, welcome. I'm sorry you have to be here with us. If there's a silver lining though, it's that you'll be in a much better place once you make it through school. There's a light at the end of that tunnel. As painful as this is, it's temporary. *hugs*
09-08-2014 05:05 PM
justmama Satori, I bet your cost of living is lot less than mine. I bet that's why $9.50 is considered good there. I live in New England and everything is crazy expensive here. I'm glad you are doing so well though. What a difference from a few months ago though huh?
09-08-2014 08:23 AM
sillysapling I got a call about a second job. I don't know if it'll work out with my current job, though, which is really annoying. I'm hoping the job I interviewed at before, but wasn't sure my situation with my first job so I couldn't take it, will at least hire me as seasonal.

Quote:
Originally Posted by Satori View Post
Thats what happened to me when I was hired, I was hired at 20 hours but I would only get like 10-12 hrs and when its an hour commute each way and your only getting 4 hr shifts it sucked. It was like that for months until the holidays and things got more hectic and they gave me more hours and I was working up to 21 hour days for a while, great paycheck but I was exhausted.
That's what I expect to happen as well. We're both applying for seasonal jobs, so maybe DP will be able to work more hours and not just me, but I'm expecting to get more hours at my job. I'm hoping to get insanely lucky and work myself nearly to death for 3 months and shore up enough to manage while we try to find better options. (the nearly is the keyword here... @_@)

Quote:
Then of course my oldest had to have issues and I had to take 7 months off work and all hell broke lose, ended up homeless, yada yada. Anything helps and just keep your eyes open for something better
That's awful. If we weren't lucky enough that my mom hadn't been able to sell her old place, we'd probably be on the street right now, though.

Quote:
I'm thrilled that with the extra hours I can FINALLY afford to take my aspie with serious mental health issues to see the specialist she needs since Medicaid doesn't cover it and I can get my 8 yo seen as well since she's got the other side of the coin, oh! I can get the OT/Sensory stuff she needs too to help keep her balanced. I'm just terrified to spend the money but its stuff we NEED. Its a balancing act around here to keep everyone happy and sane.
I'm glad that's working out, at least! It's awful medicaid doesn't cover that. Medicaid is still dragging its feet about our kiddo and I'm worried that when it goes through it'll turn out not to cover a lot. I really hate how healthcare works in this country.
09-07-2014 06:33 PM
treehugger86 May I join?

I am in a scary place right now. I am in my first year of graduate school, and I will have diminished all of my savings by the end of the second term. My husband is not able to work for disability-related reasons, and is no longer eligible for disability assistance, because I have access to student loans. (We have not applied for student loans, but it is definitely among our last resort options). At the end of August, I was told that I no longer had hours at work, because of a reduction in clients and client hours. (I work as a behaviour interventionist with children with special needs). The priority for hours would be given to full-time employees, and I would be called for substitutions. That was our only source of income (aside from a small monthly scholarship amount dependent on the maintenance of a high GPA). I have since been able to get about 6 hours a week in a school, and another hour with a private client. I am feeling less panic-stricken, but I know that these next few months will be exceptionally tight. We rarely make it to the end of the month (without requiring credit cards), and that, of course, was with DH's disability assistance, and part-time hours at work.

I will take some time to read through the thread and get to know you lovely ladies. I know that it is very common these days to be stretching a minimal budget. You will all be my source of inspiration to make it last to the end of the month. I am very uncomfortable with credit card debt (to any extent), and I want to feel self-reliant. This will be a major transition in the coming months.
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