How do you manage at income tax time?
Posted By: Lazy on 2007-06-16
In Reply to: I confess. - Devious and Ashamed
Do you file separate returns?
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I manage to avoid most of them.
no way
But they all manage to find him in jail. Isn't it amazing ? Jail
dabby
As long as you have an income
As long as you have an income you file. Over 70 is for social security where you can earn as much as you want and still collect your full SS. Boy is that was true all of the rich would be lying about their ages so that they did not have to pay taxes.
Too much house for you on your income...
especially with a new baby and all that requires...take into consideration if you have car payments, credit card payments, student loans, plus utilities, etc. Talk to a mortgage lender, what is your mortgage rate going to be, how much can you put down on the house, see what the lender says. Don't get in over your head...some people want it all right away, instant gratification. Take your time. Good luck
probably since any income is taxable
income for the year it is received. That is why you get a statement of earnings for it.
It is possible to increase your income
Pay off the house! Congratulations!:-)
Is it possible to increase you income temporarily to put towards the cc debt? Can your dh work side jobs or a second job?
After you pay off the house, I would start pay off the cc from the smallest balance first.
200
2K
4K
10K
I would not withdraw from retirement but stop paying it right now. After you pay off the house, put all your money into paying off the cc debt.
For the 4K and 10K I would write them a letter and try to get a lower APR.
If your income has been cut in half (sm)
I have to ask - what are you spending the money on? Rent is the first thing you should pay, then food, and then transportation. If you are worried about paying credit cards first, or some other debt, you are cutting your own throat.
I would advise you to do some looking at Dave Ramsey. He has several excellent books, available usually from the local library.
Also, as for the husband, sit down with him and talk to him - I don't know if you have done this or not, but his playing the video games may be a way for him to escape. If he has always been responsible in the past, then his irresponsibility now is probably a defense mechanism.
You both need to step back and take the emotion out of it. If you are not able to do that, the situation is not going to improve. You both have to show commitment to making the relationship work, even on so little money.
If you have a pastor or some sort of mentor/advisor, that might be a good place to start, once you have talked to your husband. A neutral party who can look at the situation from all sides can help.
Good luck, from someone in similar shoes.
HC
if we get to their 75,000 annual income qualification
then they can qualify us for that. 
Would you also want your income taxed at the 40% rate?
At one time England did that. The friends we had in Cananda said they were taxed to death on their income, but they were pretty pleased with their healthcare. There is no easy solution.
That puts me in the low income bracket. . . SM
Wonder why I don't quality for any help if that is the case. I have no medical insurance and was just at the ER and it cost me $1800 (so far as lab work not returned yet) to wait for 5 1/2 hours altogether and get a port and three meds administered with a CT scan of head. They charged me $396.00 for the attending on duty to talk to me 15 seconds after the resident saw me. A nurse told me in the ER that they would trim some of the cost for me, but when I called the hospital they said I did not quality. A working person falls between the cracks. Makes me angry they could not help me at all.
If he's elderly and low income, he needs to check sm
with senior services to see if he qualifies for some type of medical assistance aid.
Amen! We are just at a six-figure income..
but you would never know it by our lifestyle. We don't need to impress anyone or put ourselves in debt for material things that depreciate the minute you walk out of store with it or drive it off the lot. Americans need to SAVE money, a concept that has been long lost through the generations.
PS! One more - check to see if you qualify for low-income
It depends on your income range sm
I just got my taxes back and I had IC and employee income on there totally $38K. I worried. End result? $298 more to pay in, a VERY far cry from the $8K I paid in each of the last 2 years as an IC. (I have no expenses to speak of, no mortgage or rent, which really hurts as an IC.)
While on the phone with the tax accountant, I asked if withholding had changed. He said yes for most segments of the so-called middle class. He said that while I lived well and had the biggest ever year as an MT, my income is considered the low end of the middle class, so I get a break. I have noticed about a $100 INCREASE in my paychecks from lower withholding.
This is going to depend on your income range to some extent and also how you have your W-4 set. Mine is single with no exemptions, the highest amount you can have withheld automatically (unless you ask for an additional amount).
The projected tax burden for lower income Americans has decreased and so some of us will see a difference. I have, but it was to my benefit.
You show proof of past income if you need to (sm)
and that should be enough - especially if you have excellent credit. I actually had a mortgage person tell me that self-employed people are basically stuck and can never make more money - needless to say I moved on to another company.
Stated Income Home Loan
I am a self-employed IC and have purchased 4 homes in 4 different states as a single person. I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2. No tax info was used, needed or requested. I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info. But as a single person you can obtain a home loan based on your credit and not your tax info. Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment. You will have a short-term payment for the downpayment and your 30 yr note on the home. I was also able to obtain very low interest rates based on my credit rating.
Good luck, I did have to provide extra documents when I purchased one home with my exhusband.
I also have to consider my income - not just whether I enjoy the job; that is my main concern. nm
x
Ideas to earn extra income
In addition to your regular career what do you or your family do to bring in a little extra cash? I started a garden this year and it is doing so well that I think I may try for the local farmer's market next year. Not looking to make a fortune but it would be great if it could pay for extra things like a day at the zoo or pizza and a movie.
eBay is great for extra income...
and also to get things on the cheap. I haven't done it in months so can't really you a monthly amount, but looking forward to getting back into. Good luck to you.
Sorry - for your sake I hope the reason was too much annual income. (nm)
that's nonsense! I make a six-figure income all my myself being an MT. Hubby has no need to wor
xx
Agreed to let hubby have all the refund on the income tax and drat!
See, it is like this. I told hubby to take his check book today because it costs quite a bit to get our taxes filed at H&R and I basically did not care about paying for it this time (between paydays really). I said if you will pay the charges to file, then they will have your check and anything we get back you can have and if we have to pay a really big amount, I will go and take that out of a bigger account in my name and I will pay, so it will be win, win situation for you. Drat! Can I take that back now? He has paid most all the income tax this year, as an independent I did not pay my fair share but yet, now he is getting close to 5,000. Can I renegiogate? Anyone else do this sort of crazy thing and then wish they could take it back? Darn, drat, dagnab it!!!!
Southern here, cracklins sold in lower income stores usually
I have been at roadside stands and never smelled them cooking nor saw them but mostly you see in stores like food depot. I know of no one who uses them. I am sure that various parts of the country have other foods that could turn a person's stomach. I remember a supposed pepperoni pizza I had 1 time in Buffalo and the tomatoes on it were whole like uncooked. Yuck for that. Everyone has a yuck I am sure.
Good advice. In this economy, lay low. Sounds like a PT job may be in order to increase income. (
dd
Make a list of budget/spending priorities for your self employment income
Dave Ramsey's book has a irregular income planning sheet. Basically you list your expenses with the cash flow sheet. With any steady income you allocate it. For irregular income, make a list from the cash flow sheet of what needs to be paid first. Keep a culmulative total.
Make your own income, hire a plumber. Total unnecessary. Men are useless in the family plan.
x
No! That sounds too desperate. TIME. Just give it TIME. If it is real, then sm
something will definitely evolve. If you like him, flirt back! Don't act desperate because if he DOES like you, then the suspense will just make him want to get to know you more. Trust me on this.
I worked in the medical records department of a hospital when I was single and dated a few co-workers in my early 30s. It was fun. Nothing serious came about any of the relationships.
This sounds like fun - the beginning of maybe something to come....Keep us informed.
Totally agree, get these from time to time since teens...sm
It's a neuro condition, it does not mean there is anything at all wrong with you, it is actually related to narcolepsy, hypnagogic (sp? I just got up!) hallucinations, etc. And I HATE when I get these, it is always freaky, my siblings get this too, at times. I can "go away" for years and years before you get another episodes, so don't worry! I heard that when you are under a lot of stress or are very busy with things that this happens more??? Take care!!
It's time to stop when you or the kid(s) feel it is time, and no sooner. sm
My grandmother (who passed away at the young age of 107 back in the mid 1990s) was STILL celebrating every little holiday for all of her many kids and grandkids, and she would STILL give me a chocolate bunny every Easter, as she had since I was a toddler and even though I was 40ish at the time (and I still delighted in biting its head off in front of her, as I had also done since I was a toddler, which always met with mock disapproval from her).
Don't let anyone dampen your joy in celebrating your traditions.
The very 1st time he talked about killing you, was the time
The guy sounds like a psycho.
Rachael Ray has a segment from time to time
on using the bottom of the bottle receipes (i.e. bar-be-q sauce, peanut butter, maple syrup) and I have used many of her ideas and been amazed at how far you can stretch a dollar that way. Go to her website, it will give you many ideas.
Oh Amy, surely there was a man who "kept" you from time to time..
or you were at least married and had access to money!
It was a great time - I just hate the time we are in now
I liked your post. Thanks for replying It's nice to know other people were raised like me. We seem to appreciate the things we have. Oh I should've also said we didn't have A/C growing up. My parents idea of A/C was having my sister and I wave a piece of cardboard in front of them. HA HA HA.
I just couldn't stand the 90s and 2000s are even worse. I hate all the politics going on today, the world events, the bleak future. The degenerates running around, listening to kids talk back to their parents, girls gone wild, etc, etc. I'm grateful my grandparents and mom are not alive anymore to have to go through this with us.
I love watching old movies and the music of the 40s/50s. If I was alive back then I would've been doing the jitterbug and all those other fun dances. Life seemed simpler and cleaner (even though I've got a mouth like a sailer - guess I got that from my Army days).
I wouldn't mind the turn of the century either. I love the clothing and the simple life. Those are the times when the husband took care of the wife. If I could be transported back to the 1800s I surely would in a second.
Time out and then spanking if time out
If we are out in public however, we do not go home. Spanking right there and then and the kids learn REAL QUICK mom means business. I do not mess around and I have a 17-year-old now that has enlisted in the military and THANKS me for his tough upgrowing. It helped him through basic training.
Well, I have questioned myself from time to time.
I figured this was typical. DD has lots of friends but two real close friends. I guess this is all part of building social skills. I am glad I did okay then.
Same thing happens to me from time to time - sm
if I roll over too quickly. I have positional vertigo. There is not too much you can do about it except try not to move or get up too quickly from a supine position. I have never had an earache in my life either so that has nothing to do with it. I don't ever feel sick from it though, just more of a nuisance for me every now and then. If it keeps happening obviously get checked out, you may have a more severe case, though again there really not much you can do about it, all it is is some particles in your ear breaking loose and that causes the dizziness, etc.
If I had not asked time and time again
for the daughter to ask me are you upset- are you angry- are you in a bad mood- People can think what they want- She is a very intelligent person and my asking to please should be enough. Gest of the posting. Selfish, OMG, that is really a laugh. I have and do take care of others well before my needs- I have given of myself, my time, my finances, the whole thing until, now this will sound selfish- it is my time now. I take care of me now- this is selfish but this is the truth. I raised my family, did all I could (still do for the daughter if she needs assistance which she never asks for but I offer)and now in golden years, me time.
Yes. Next time put a time limit on it., but is there any way you
nm
I keep it in the office part time and on the patio part time
I've got the self-cleaning electric litter box (and boy is it worth the $100), and have a huge throw rug under it with a smaller rug by the litter pan that has a bumpy mat on top of it to catch the excess. I keep it in the office from April to October but on the patio from October to March as it is too hot in FL to leave the patio door open for them during the summer months. I also put out a spare box when we go out of town for the weekend.
Try a box that has deeper sides maybe, or not as much litter in it?
time time time
when I divorced my husband, I felt the same way. some mornings I would wake up crying and missing him, but I really knew that if I was still with him, things would have been the same. chin up, chest out!!! and forward march. it's just hard. you should read the Sweet Potato Queens books. reading them in order is best, but the newest one is the Sweet Potato Queens Wedding Planner/Divorce Guide. I say read them in order because she refers back to things in the other books that you will be in the dark about, but your situation sounds critical so maybe just jump right into the Divorce Guide. go to sweetpotatoqueens.com. I have read them all over and over and they are fabulous!!!! need some humor at this time in your life. good luck to you!!
First time I saw it
I really like Jen. Didn't care too much for Sadie.
I think maybe for the first time or maybe just the first time
in a long time - your well is a little more dry - it needs replenishing.... you give and you give and you give and even the most charitable of people need to get something back... I think you just had a dry year and I hope this year people give back to you - if so little as a smile, a hug, a bit of encouragement in whatever way - to help to lift your spirit. You will get it back! :))
Yes. Happens all the time.
x
99% of the time - none.
x
My son would get them all the time - sm
get something to soak the foot in, fill it with water as warm as he can stand it and then mix in about 1 cup of Epsom salts, soak the foot until the water cools.
Will have to do it a few times over a few days but the skin starts to pull back.
tell him not to cut his toenails so short! :)
I look at it as the first time since she sm
was, what 14, that she will have to be in rahab. One problem, Michele Rodriguez from the show Lost went to that jail in 2006 to serve 60 days for a DUI and was let go after several hours due to overcrowding. I sure hope she doesn't get out becuase of something silly like that.
Just take it one day at a time.
I had a miscarriage back in 1993 and for years afterwards I would have a private memorial day on the day that I was due. Time really does help your heart heal, as have my living children.
TB and time
I don't agree because it can take years from the time of exposure. This is such a bad form of TB that anyone in contact with him for quite a while back needs to be watched at least and be followed up. That patient did not even realize he was infected and found out by accident from an x-ray. TB is an interesting disease process and we all need to be careful especially since there are so many people here illegally. I am not trying to start anything about that, but they have not even been medically screened if they came here illegally. They are sitting around in all our ERs, the same ones we go to. They sit next to us on public transportation and work in our restaurants. I have recently worked for physicians who treat a lot of foreign patients and you would be surprised at how many diseases they enter this country with. This is a very serious thing and I find what he did to be very wrong. His father-in-law knew too and works at the CDC. The reason he came back was the way he did was to get the best treatment available, which is here in the US, and I believe his father-in-law told him that. If anyone has been exposed to TB they need to be checked by their physician and followed.
No bra here, either, 90% of the time
If I didn't have these danged D-cups, it would be 100% of the time.
And I go Apache at home, which also means about 90% of the time since I started working at home. I don't think I could wear pants or shorts without underwear. Too much chafing of the delicate areas. But I wear housedresses in summer or in winter warm waffly nightgowns while I work so no need for underwear! 
i think its time to think about YOU
and of course the kids. If he loves them as you say, the distance won't stop him. My heart goes out to you. But do what is right for you this time.
How did I know when it was time?
When I started dreading the fact that he was home instead of worrying why he was't home. Being on my own was harder than I thought even though the relationship was long over. It's a mental thing of course. I felt very alone and vulnerable, but I did get over it. I still panic about the things you mention, although I have always been okay, yes even better. Having plenty of positive, understanding support would be most helpful. Hope you make the right decision.
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