What are you thinking about?

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shel90 said:
I am glad cuz that is frightening when someone talks about suicide.

What giving up some luxuries like cable or whatever until you both get back on your feet. I am giving that luxury of saving towards my 401K to see if that will help. If not, then I will give up cable and Internet until my SUV is paid off. I will work my 2nd job over the summer so I will use that extra money to pay my SUV off faster. If worse comes to worse, I will look for a 2nd part time job now and find people to watch our kids as my hubby works 2 jobs. I just need to pay off my daughter's braces and my SUV..then I will be back on my feet.

Yea, life sucks but the WORST CASE scenario is to file for banktrupty and start all over again but we are far from being in that position.

I am just tired of things popping up and having to pay for it when I had other plans with my money to pay off bills. Ugh!
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But we would miss you too much Shel! Don't cut off your Internet, nooooooo!! :lol:
 
KristinaB said:
Can't even afford to do that. I have no insurance until February and don't qualify for Medicaid due to hubby having a job and I haven't been on disability long enough. We just have too many ourgoing bills and not enough incoming funds. Hubby is making less than half of what he was making in MO, but we just found out, that even if we had stayed in MO, he would have lost the job as they shut down all 3 plants for the company he was working with in MO.

I will be fine. I go through this quite often and just need time to cool off and get my brain in order. Tonight could also be since I have had a headache running for 6 days now. I have done everything and it won't go away. It doesn't get worse or more extreme, but I can't think what is causing it. I haven't really been stressed except until today. It's not my glasses since I still wake up with the headache in the morning. I've done everything and then some, but even the Excedrin isn't doing anything now. Maybe I need to drive down to the beach and smell the salt air. Can't do it right now since they close the beaches early around here.

I promise, I will be fine and I will not do anything stupid.
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:grouphug: you know that bad headache is from your stress but I hope your financial situation will improve anytime soon!
 
shel90 said:
I am glad cuz that is frightening when someone talks about suicide.

What giving up some luxuries like cable or whatever until you both get back on your feet. I am giving that luxury of saving towards my 401K to see if that will help. If not, then I will give up cable and Internet until my SUV is paid off. I will work my 2nd job over the summer so I will use that extra money to pay my SUV off faster. If worse comes to worse, I will look for a 2nd part time job now and find people to watch our kids as my hubby works 2 jobs. I just need to pay off my daughter's braces and my SUV..then I will be back on my feet.

Yea, life sucks but the WORST CASE scenario is to file for banktrupty and start all over again but we are far from being in that position.

I am just tired of things popping up and having to pay for it when I had other plans with my money to pay off bills. Ugh!
Click to expand...

Hubby and I may end up filing bankruptcy. With all the obligations I have at home with MIL and mother, I can't get a job. Also due to medical issues I have I can't work (loss of hearing is not a part of that, just leg and numbness). Hubby's hours don't give anytime for a 2nd job. He works 6 day a week, 13 hours a day. Kids aren't old enough to work, mother is retired (70) MIL is retired (74). If I lose my internet, I would really be lost. It's mainly the vehicle payments and insurance that is killing me. We don't have cable or satellite. Antenna is all we have. I am lucky that I don't have a mortgage, electric, water, sewer, trash, or homeowners insurance to pay.

Mentally I am doing better than I was earlier. That's why I really like AD and can't lose internet. You guys help keep me somewhat sane. (even PFH) :laugh2:
 
In case if you tell your counselor that you were thinking about suicide, your counselor will call 911 and they take you to a mental institute temporarily (no matter what). Just be careful how to say it to your counselor. That's how it happened to my friend. She made a big mistake to say it to her counselor. So far, she has been improving herself very well since one year.

Just write down your brainstorm list that might work for you. i.e. a part time job, sell things on Craig's List (not worth to use ebay cuz of its service fees), a newspaper delivery job, helping an elder for a transportation for your own temporary job, and more others. It is only way for you to freeze your cable service for three to six months - use a computer online at the library. Freezing the cable service cost about 18 dollars per month without canceling the service which is better than paying more money to get your service back.

Actually, in fact, I am eliminating my stuff in my basement. I want to avoid to be a hoarder. Is that what you have now?
 
KristinaB, if you feel like that again, call the suicide hot line immediately.
 
Dixie said:
But we would miss you too much Shel! Don't cut off your Internet, nooooooo!! :lol:
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I will still have my SK to gain access to AD. I would cut cable before Internet...lol

That's sweet of you. If I do cut Internet, it will be until the end of August. My SUV gets paid off in August if I pay extra to it each month. I dont want to wait until march 2011..I want it paid off faster.
 
KristinaB said:
Hubby and I may end up filing bankruptcy. With all the obligations I have at home with MIL and mother, I can't get a job. Also due to medical issues I have I can't work (loss of hearing is not a part of that, just leg and numbness). Hubby's hours don't give anytime for a 2nd job. He works 6 day a week, 13 hours a day. Kids aren't old enough to work, mother is retired (70) MIL is retired (74). If I lose my internet, I would really be lost. It's mainly the vehicle payments and insurance that is killing me. We don't have cable or satellite. Antenna is all we have. I am lucky that I don't have a mortgage, electric, water, sewer, trash, or homeowners insurance to pay.

Mentally I am doing better than I was earlier. That's why I really like AD and can't lose internet. You guys help keep me somewhat sane. (even PFH) :laugh2:
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My brother filed for bankrupty last year and he said it was like a huge burden was lifted off his shoulders.
 
shel90 said:
My brother filed for bankrupty last year and he said it was like a huge burden was lifted off his shoulders.
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you know what's funny? right after filing for bankruptcy... the credit card companies would start spamming you with credit card offers because they know you cannot refile for bankruptcy for another 7(?) years. :roll:
 
webexplorer said:
Actually, in fact, I am eliminating my stuff in my basement. I want to avoid to be a hoarder. Is that what you have now?
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All of my belongings and those of the family's are still packed up in the garage since our move in June. Since we live with MIL there is no room in her house for our stuff. I have minor things to get by but not enough to feel like home.

I have tried to sell stuff on ebay and craigslist and had no luck. Either I priced it too high or I did something wrong. I am somewhat callenged in things like that. Give me the printed classifieds and I'm happier, but I can't afford the cost of the ad. Right now, I don't think I have anything that I would sell that is worth it. I won't part with some things (china that dad got in Japan while serving in Korea) When we left MO, we sold most of the furniture and donated all of the everyday dishes, silverware, and glassware, not to mention the pots and pans. I kept cast iron and slow cookers. Money made from the yard sales paid for the gas and motels for the 3 day drive from MO to FL.
 
webexplorer said:
Wow, it's good that he is doing okay.
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Yea, he is fine and has one credit card so he can rebuild his credit score. He also has small student loans in which he will pay off after he graduates in May.
 
KristinaB said:
Hubby and I may end up filing bankruptcy. With all the obligations I have at home with MIL and mother, I can't get a job. Also due to medical issues I have I can't work (loss of hearing is not a part of that, just leg and numbness). Hubby's hours don't give anytime for a 2nd job. He works 6 day a week, 13 hours a day. Kids aren't old enough to work, mother is retired (70) MIL is retired (74). If I lose my internet, I would really be lost. It's mainly the vehicle payments and insurance that is killing me. We don't have cable or satellite. Antenna is all we have. I am lucky that I don't have a mortgage, electric, water, sewer, trash, or homeowners insurance to pay.

Mentally I am doing better than I was earlier. That's why I really like AD and can't lose internet. You guys help keep me somewhat sane. (even PFH) :laugh2:
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I know how it feels. Your jobless, living at home with parents and yet you still seem to be flailing with bills all around you, but you can get out of it without having to file for bankruptcy. Just take it one day at a time. Like tomorrow just get up and write out a plan.

Example:
Part-time work?
->Walmart
-->Seasonal help?
-->Permanent?
->Gas Station Attendant?
-->Overnight?
-->Days?
-->Evenings?
->Substitute Teacher for local school?

Those are just *some* options you could throw around that wouldn't be too strenuous on your legs to cause pain/numbness while working.

I hope your financial situation improves. It doesn't happen overnight but it can be accomplished without filing for bankruptcy.

Pay your biggest bills down first. Write down every expense you pay. A lot of people don't realize they eat out as much as they until they start writing it down and they realize they are spending $50 or more per week on eating out, when you can spend that amount and feed a family of four at home for that price - meaning cook your own meals.

Also write down how many trips to town you make. Again this is something people don't realize they are doing until they write it down. Then start combining trips or even carpooling to save gas. If your mom/MIL is going to town, go with her and get some of your shopping/errands done at the same time. Can you get two trips done at the same time? If so, do it.

And your kids can pitch in and help too. If they are 14 y/o, they can apply for a hardship and they may be able to work part-time somewhere up to 15 hrs. per week. Not much, but it'll give them their own spending money to buy clothes, books, school supplies, etc. They'll quickly learn to budget themselves to they don't end up a predicament. If they are not 14 yet, if you have a neighbor or family member that owns a chicken house, have them gather eggs after school and on weekends, takes about 2 hours for each gathering, and about an hour with an automatic house. 4 hours work max per day on weekends, and 2 hrs work max during the week. This isn't child labor, this is teaching a child the value of work, money, and builds a work ethic at a young age. Have your friend/neighbor/family member pay them every Saturday after the last gathering - in cash. Once they see the money they'll want to do it. This is how my brother and I got started in the workforce. We did this until we were old enough to get regular 'after school' jobs. I worked at the newspaper as an intern, my brother worked at the grocery store as a stock person.
 
Dixie said:
I know how it feels. Your jobless, living at home with parents and yet you still seem to be flailing with bills all around you, but you can get out of it without having to file for bankruptcy. Just take it one day at a time. Like tomorrow just get up and write out a plan.

Example:
Part-time work?
->Walmart
-->Seasonal help?
-->Permanent?
->Gas Station Attendant?
-->Overnight?
-->Days?
-->Evenings?
->Substitute Teacher for local school?

Those are just *some* options you could throw around that wouldn't be too strenuous on your legs to cause pain/numbness while working.

I cannot be on feet for more than 10 minutes at a time and cannot sit for more than 10 minutes at a time. Vocational Rehab cannot find any work for me due to those limitations. I also have too many obligations being the only driver for MIL and mother for their medical appointments. Mother has Hep C and is going through liver failure. MIL has had 2 knee replacements and is legally blind and has an inoperable brain tumor. I am also homeschooling my 2 teens. 1 has learning disabilities.

I hope your financial situation improves. It doesn't happen overnight but it can be accomplished without filing for bankruptcy.

Pay your biggest bills down first. Write down every expense you pay. A lot of people don't realize they eat out as much as they until they start writing it down and they realize they are spending $50 or more per week on eating out, when you can spend that amount and feed a family of four at home for that price - meaning cook your own meals.

Every time I try to work on paying largest bill first, hubby gets threatening calls from auto loan companies looking for payments. I had a payment schedule made up with each creditor, but then hubby stuck his big nose into the finances when he shouldn't have and now we are having MAJOR issues. I hope he has learned, but since he has learning disabilities as well, it is hard to know. That's why I don't let him handle the finances or checkbook. We don't go out for dinner unless MIL pays. We stopped doing that on our own dime 2 years ago. I spend $150 a week for groceries for 5

Also write down how many trips to town you make. Again this is something people don't realize they are doing until they write it down. Then start combining trips or even carpooling to save gas. If your mom/MIL is going to town, go with her and get some of your shopping/errands done at the same time. Can you get two trips done at the same time? If so, do it.

We live in town. Go to 2 libraries and grocery shopping 1 day a week. That's it unless there are doctor visits. I go to deaf social once a week and deaf movie night once a month. $40 a year membership.

And your kids can pitch in and help too. If they are 14 y/o, they can apply for a hardship and they may be able to work part-time somewhere up to 15 hrs. per week. Not much, but it'll give them their own spending money to buy clothes, books, school supplies, etc. They'll quickly learn to budget themselves to they don't end up a predicament. If they are not 14 yet, if you have a neighbor or family member that owns a chicken house, have them gather eggs after school and on weekends, takes about 2 hours for each gathering, and about an hour with an automatic house. 4 hours work max per day on weekends, and 2 hrs work max during the week. This isn't child labor, this is teaching a child the value of work, money, and builds a work ethic at a young age. Have your friend/neighbor/family member pay them every Saturday after the last gathering - in cash. Once they see the money they'll want to do it. This is how my brother and I got started in the workforce. We did this until we were old enough to get regular 'after school' jobs. I worked at the newspaper as an intern, my brother worked at the grocery store as a stock person.
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There are no jobs to be had in this area for kids. The unemployment rate in this city alone is over 28%. Daughter will not be able to work due to her disabilities and son is patiently waiting until he can find job. He is 14 and around here minimun age for a job is 15 for bag boy and 16 for anything else. He does do odd jobs at church or for preacher and buys his own PS2 games out of that. MIL pays kids for help around the yard and such, but it's never enough to do much with. Daughter is saving what little she gets and has already saved up over $50 in 6 months of chores for MIL. She plans on using that for Christmas gifts for 5 people.
 
Jiro said:
you know what's funny? right after filing for bankruptcy... the credit card companies would start spamming you with credit card offers because they know you cannot refile for bankruptcy for another 7(?) years. :roll:
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Luckily I have filed for the no junk mail and no solicitation calls.

I about died when son was born in 1995 and when he was 3 days old, he got in the mail a American Express Gold Card and an American Express Business Card in the mail on the same day. When I informed them that he was a 3 day old baby, they said he still qualified.

Also, since my son is the 7th generation with the same first and last name, just different middle names, we get a ton of mail for Jxxxx Bxx Jr. There never has been one in the history of the family. When I send things back stating that, they try to tell me that hubby was unfaithful and yes there is one. I then ask for the age and they tell me an age that would be my FIL. :laugh2:
 
KristinaB said:
Every time I try to work on paying largest bill first, hubby gets threatening calls from auto loan companies looking for payments. I had a payment schedule made up with each creditor, but then hubby stuck his big nose into the finances when he shouldn't have and now we are having MAJOR issues. I hope he has learned, but since he has learning disabilities as well, it is hard to know. That's why I don't let him handle the finances or checkbook. We don't go out for dinner unless MIL pays. We stopped doing that on our own dime 2 years ago. I spend $150 a week for groceries for 5
Click to expand...

Here's federal laws regarding debt collector calling people called Fair Debt Collection Practices Act and here. Know your rights.

Some of these rights include prohibitions against debt collectors making threats, using abusive language, or contacting debtors in any way after receiving written notice declaring no further contact or a refusal to pay the debt.
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Just a little bit frusrated that the ability to access VRS for work is blocked here too :mad2:
 
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