Anonymous
10/10/2017 13:43
Subject: Struggling to stay afloat. What can I do?
Online transcribing?
Anonymous
10/09/2017 11:12
Subject: Struggling to stay afloat. What can I do?
OP I get you have the phones for the kids probably to help them feel more in line with out children in their school. You need to cut them off your plan and use burner phones. Buy them a # of minutes and let them earn the $$ themselves. At 12 I was refereeing children's soccer games (making really good money at that age lol, $20 per 25min game, 4 games in a morning) and DH was caddying at a local country club. They can mow lawns, shovel snow (depending where you've moved), and other errands locally to earn some money.
Or move. Literally researched the cheapest cost of living areas in the country, apply to jobs in those cities, sell the house and go. You may want to consider even renting in the new place to give you more flexibility to move if needed.
There are online teaching programs that are always looking to hire people to teach english to foreigners. I don't think you make a killing but anything extra sure helps. Plus if you find people in China you could work a bit at night when the kids are sleeping.
Or move. Literally researched the cheapest cost of living areas in the country, apply to jobs in those cities, sell the house and go. You may want to consider even renting in the new place to give you more flexibility to move if needed.
There are online teaching programs that are always looking to hire people to teach english to foreigners. I don't think you make a killing but anything extra sure helps. Plus if you find people in China you could work a bit at night when the kids are sleeping.
Anonymous
10/08/2017 22:12
Subject: Struggling to stay afloat. What can I do?
Anonymous wrote:Why was your child's application for SSI denied? On the basis of your income or that his disability was not severe enough? Did you apply when your husband was living with you? I think you should apply again.
Apply again! Is your child on the Katie Beckett waiver? Have you explored all options for assistance for child with autism.
Anonymous
10/08/2017 09:20
Subject: Struggling to stay afloat. What can I do?
Anonymous wrote:To answer your original question OP, it doesn't sound like there is anything you can do that you are willing to do. You've shot down all the suggestions we've offered. So I guess your stuck until the magic money fairy comes to your house.
Yep, this.
OP, you live in lala land. And it sounds like you lived in lala land during your marriage too. You saw your hubby was a deadbeat and divorce was coming, yet you didn't begin preparing yourself financially to take care of your kids on your own. This is why I advise women to never never never EVER rely on a man for their income and livelihood. Ever! Especially if you have kids. You have to do something to bring in your own money, and keep that money to yourself. You never know what these men will do to you, and having your own money means you have options!
OP, do you have family that you and the kids could live with for a while, so you can get on your feet financially? Could you rent out the house and live somewhere closer to better paying jobs? Do you have any kind of support network and people who help you where you live? If not, you need to move.
I think you need to expand your way of thinking and stop being so closed minded. You have vetoed many good ideas offered here, but your situation sounds pretty rough. You will always be stuck in that situation if you don't explore alternatives.
Anonymous
10/06/2017 13:41
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.
It's because municipalities generally need the same amount of money regardless of how much the houses located there are worth. I used to live in a little podunk town in the Midwest, and my $160,000 bungalow cost me $5000 a year in taxes. I could show you listings for $500,000 mansions that had $30,000 a year in taxes on them. It's nuts.
Wow! Point proven, I suppose, then.
Anonymous
08/21/2017 21:59
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.
It's because municipalities generally need the same amount of money regardless of how much the houses located there are worth. I used to live in a little podunk town in the Midwest, and my $160,000 bungalow cost me $5000 a year in taxes. I could show you listings for $500,000 mansions that had $30,000 a year in taxes on them. It's nuts.
Anonymous
08/20/2017 19:51
Subject: Struggling to stay afloat. What can I do?
A Trac phone from Walmart costs a few $ to buy one and the rest annually costs only to reload minutes when you need them. I spend less than $200/year on mine.
I grew up in the country on a farm where we had an ancient party line phone that you had to crank a handle to create the number of rings for the person you were calling. When my father's tractor overturned on him, my mother called a neighbor and 32 other neighbors listened in and arrived to help him. We never had any such thing as a cell phone in the fifties and we got along just fine.
One Trac phone for you and a land line in the house plus your boarder may have a cell phone, that should be plenty enough, until the kids get old enough to get a job themselves and pay for all their own stuff, it would seem.
I grew up in the country on a farm where we had an ancient party line phone that you had to crank a handle to create the number of rings for the person you were calling. When my father's tractor overturned on him, my mother called a neighbor and 32 other neighbors listened in and arrived to help him. We never had any such thing as a cell phone in the fifties and we got along just fine.
One Trac phone for you and a land line in the house plus your boarder may have a cell phone, that should be plenty enough, until the kids get old enough to get a job themselves and pay for all their own stuff, it would seem.
Anonymous
08/14/2017 22:21
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.
$1800 is for property tax and $2200 is for schools. Combined they are $4k and both and both are considered property tax. Maybe it doesn't add up to you but it's so very real to me.
As for the cell phones they may not be exactly the same amount as the weekly check but close enough.
Absolutely get this cell phone bill lower. Get rid of the smart phones. How can your bill equate to a paycheck? That makes no sense.
It is ridiculous that you are spending a quarter of your take home salary on cell phones. That is the first thing I would cut. Keep one for yourself if you must and get a land line for the house if the kids are home alone.
Anonymous
08/14/2017 04:49
Subject: Struggling to stay afloat. What can I do?
Cut the price on the cell phone. Try to be in the 60-100 range.
Anonymous
08/14/2017 03:17
Subject: Struggling to stay afloat. What can I do?
To answer your original question OP, it doesn't sound like there is anything you can do that you are willing to do. You've shot down all the suggestions we've offered. So I guess your stuck until the magic money fairy comes to your house.
Anonymous
08/12/2017 10:58
Subject: Struggling to stay afloat. What can I do?
What is your education OP? Are there things you can do online? My sister makes decent money writing resumes for people online. I know it is hard to find side jobs in a rural area, but maybe overnight babysitting would be an option?
If you can't bring in more income, I would sell the house and move in with a relative if that is an option. You need to build some savings. I would also decrease expenses by using food banks and getting pay-as-you-go cell phones. The NT teen can do babysitting, lawn care, etc. to pay for his/her own cell phone.
I second applying for food stamps and SSI. SSI often rejects applicants the first time and approves on appeal. If you are finally approved, you will get back pay from the time you applied which would help with the tax bill.
If you can't bring in more income, I would sell the house and move in with a relative if that is an option. You need to build some savings. I would also decrease expenses by using food banks and getting pay-as-you-go cell phones. The NT teen can do babysitting, lawn care, etc. to pay for his/her own cell phone.
I second applying for food stamps and SSI. SSI often rejects applicants the first time and approves on appeal. If you are finally approved, you will get back pay from the time you applied which would help with the tax bill.
Anonymous
08/11/2017 23:31
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.
$1800 is for property tax and $2200 is for schools. Combined they are $4k and both and both are considered property tax. Maybe it doesn't add up to you but it's so very real to me.
As for the cell phones they may not be exactly the same amount as the weekly check but close enough.
It is ridiculous that you are spending a quarter of your take home salary on cell phones. That is the first thing I would cut. Keep one for yourself if you must and get a land line for the house if the kids are home alone.
Anonymous
08/11/2017 22:56
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.
$1800 is for property tax and $2200 is for schools. Combined they are $4k and both and both are considered property tax. Maybe it doesn't add up to you but it's so very real to me.
As for the cell phones they may not be exactly the same amount as the weekly check but close enough.
Anonymous
08/11/2017 17:38
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.
Also, 3 cell phones costing a week's pay makes no sense either. If that's true, get rid of the kids' phones.
Anonymous
08/11/2017 15:53
Subject: Re:Struggling to stay afloat. What can I do?
Anonymous wrote:Anonymous wrote:Anonymous wrote:I wish my house was worth 150. I paid 69k for it and could sell it for that. Which is sad because we had put 50k into it to make it livable. Hopefully. The house is going to the local ARC when my child is older.
My kids are 13 and 14 so not old enough to get real jobs. The NT child babysits.
It is hard because at one point, whwn XDH was working, he was making
Bank. Now he chooses not to do anything but mooch off people and masturbate all day long.
I
How is your property tax bill $4K on a house worth $70K? Did you not pay for 5 years?
Because that's what taxes are where I live. They are extremely high.
Well your story doesn't add up then. New Jersey has the highest property tax rate in the country, and that's a little above 2%. Assuming you live there, your assessment would be $200K, and assessments are usually lower than market price.