Category: Help needed

Can it get any worse?

This could be laughable if it weren’t on the heels of a very bad year!

My unemployment has been held back because I forgot to list $100 I earned in December, 2004. It happened because I earned the money on Christmas Eve and hadn’t given it a thought. Now I’m appealing this so we’ll see. Their original determination was to suspend my benefits for FIVE WEEKS for an understandable (IMO) mistake.

Then I tried to get $2000 out of my 401K to pay off a couple of bills (finally) and they’re holding that money back until I can prove I’m not married.

Sheesh. And then Mel Gibson drives drunk, makes rude remarks and is still making millions. (I only use him as one example of how life can really suck).

“Then I tried to get $2000 out of my 401K to pay off a couple of bills (finally) and they’re holding that money back until I can prove I’m not married.”

This is a legal requirement they are not trying make your life miserable. Just give them the proof and get your money. If you were married then a spouse’s signature is required since this is a community property state.

Yes it can get worse. At least you have access to $2000 to pay a couple of bills. It might take a bit more effort then pulling out from under the mattress but it is available if you choice to comply with the withdrawal rules.

If she goes to college it will have to be with loans and grants

I’m in Michigan. My point is that last year i earned $13,000 and he made about $24,000. If she goes to college it will have to be with loans and grants. i’ve tried ebay but to really do well i have to find a way to get pictures to put in the ads. No digital camera and no regular camera, just those disposable one-use cameras, which really cost too much for only using a couple of pictures.

With the cs and being garnished for the ex’s van i’m lucky to get half what i actually earn ($600 in my paycheck a month). The cheapest place i can find to rent is $500 a month. So right now my son is using the spare bedroom in my parents house and i’m sleeping next to the washer and dryer in the back room (no privacy and by the back door 🙁 but at least its better than being homeless) and the rent isn’t much, enough to cover the extra sewage and electric bill. Oh, and my son is autistic impaired high functioning (very smart but zero common sense and no clue how to behave socially). He also doesn’t cope with change well and just me working a half hour late can mess him up for the rest of the day. I work early mornings and my folks are around for him when i work.

I think everyone or nearly everyone here is in financial trouble. that’s what i like about coming here, knowing that i’m not alone and that other people can understand things better than someone who doesn’t have any serious trouble with debts. hearing that others are slowly getting their debts paid off.

Somebody wrote: I’m not sure what state your in…but some states make the CS stay in place if the child goes to college.

Are you able to do ebay? I do it when I need extra and it’s easy.

I can’t advise much since I’m in a terrible financial predicament myself 🙁

I feel like it’s ruining my life right now.

Debts, money, and survival

Hi all. I’m a divorced mom with 3 kids, two living with their dad and one with me. Reading the posts here has given me the faith that I can get myself out of debt. It won’t be easy but I will try. The state doesn’t help because they ordered me to pay child support even though my ex makes over $10 thousand more that I do.

In the divorce settlement he assumed sole responsibility and ownership of the van we bought during the marriage. He’s not paid on it since we split. The lawyer doing the collection says the divorce settlement is illegal so they keep garnishing my paycheck. He also won’t do anything about taking my name off the van title and the secretary of state office won’t let me do it myself. My biggest worry is that he’ll do something stupid like get in a wreck and I’ll get sued because my name is listed on the title. Oh, and he doesn’t like to pay bills so i doubt he’s got any insurance on the van.

The divorce was about 1 1/2 years ago. I’ve worked hard to improve my credit report. Started with a rating in the 300s and am now about 570 or 580. I pay my car insurance every month and last winter i got approved for a secured credit card. Yeah, i know, credit cards are dangerous. This one has a limit of $200 and i pay it off in full every month.

My ex believes in doing what he wants first then paying bills with any money that’s left over. During the marriage he’d take all the credit for the good stuff in our lives (big-screen tv, Cedar Point trip, etc.) and give me 100% of the blame for the problems. Problems like turn off notices for the electric and phone, struggling to get half the food our kids needed to eat. For the last year or so of the marriage he decided we’d split the costs. He would take care of the rent and electric bills. I’d handle the internet service (he insisted we needed two accounts), groceries, car insurance, gas, phone, two cell phones, satellite tv service (not much came in so far out in the country), and everything else that came up. After i moved out he got a turn-off notice from the electric company for almost $900 and the rent was 3 or 4 months behind. Never have figured out where all of his money went. He doesn’t gamble or drink and I never saw him bring home new stuff.

Wow! I’ve sure written a lot here. Okay, last bit is some of the ways I’ve found to stretch my income for things we need. Underwear and socks I buy new but clothes are bought from a local Goodwill store or the other thrift shops in the area. Thrift stores usually have good stuff for sale but lots cheaper than new. Sure you have to look for loose seams or needed repairs but i’d rather buy thrift store pants for $2.49 rather than over $20 new. Sometimes you can find brand new things bought for gifts that the receiver won’t wear or is the wrong size and can’t be returned to a store.

Two winters ago i learned to knit. Christmas gifts are now mostly lap-sized afghans, scarfs, and dishcloths and this year i’m trying for a sweater or two and maybe socks. By using simple, beginner level patterns and starting last month i hope to have everything done in time. Oh, i get the money to buy yarn by saving all the coins i bring home and drop into a jar every night. When i need yarn i cash in the coins.

Does anyone else have some ideas for ways to still do things without spending as much money? I’d like to hear your ideas.