Not completely broke, but close
Posted By: They Said What on 2009-03-31
In Reply to: Poll: How broke are you? - XanaX
We live paycheck to paycheck for the most part. My paycuts really did our savings in. The bills are still all the same things and they get paid.
Hope for savings in the future is not too great. We rent and probably won't be able to buy a house till the kids are all off at college. Same for the cars. They are old and they run. I am grateful for that, as I have no car payments and they are too old for full coverage insurance.
We support 5 people on about $2500 a month for 8 months out of the year and about $3000 for the other months.
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We are close in that we live about five miles from each other, but we aren't close like good frie
By husband and BIL WERE pretty good friends, though.
If you are set on closing, do not close the old ones, close a newer account first.
Your credit is based on a mix of things like history, types of accounts, mix of credit (revolving vs installment), usage/utilization of credit available, and payment history. Where closing could hurt your score is the part of the score that averages history of accounts/length of credit. If you decide to close, close out a newer account first.
The best way to protect from ID theft as far as credit is to freeze your credit reports. It's around $10 per agency to freeze them. Each credit reporting agency tries to sell your their own monitoring plan when you get to the how to freeze information, so make
sure you are freezing it.
You can't freeze it over the net they each require a letter by registered mail. It takes about 1 month to freeze it.
Right now you can place a fraud alert on your reports for free. The credit *should* not extend credit or do a credit line increase without calling the phone # on your credit report first. You only need to do it at one credit reporting agency and the other ones will be notfied. The number for equifax fraud alert 1-888-766-0008. It's automated.
If you are concerned about ID theft try one of the monitoring plans. I've tried a few of them and Equifax has the best one. Their Score Watch is great, you set the limits to be notified and any change they send an email literaly the next day. I used it after I discovered ID theft. It might be a waste of money for you. I would place the fraud alerts, then the freeze, and check your reports 2x per year.
I've had ID theft as far as my name/social but what concerns me more than credit ID theft is bank account theft. I don't know how we can fight that. It seems like consumers get the raw end of the deal as far rights when deposit accounts are stolen.
When I broke my toe
it was because I kicked a door jam. There was much screaming involved. I couldn't put on a shoe. I couldn't lift my toes or put weight on the toes.
It sort of sounds like you may have broken a blood vessel, but I wonder why? I'd see the doctor about it.
When my husband broke his toe sm
His was red and swollen and black and blue across the top. His was due to trauma, but you could have a stress fracture. It would be a very good idea to have it x-rayed, just to be on the safe side.
I heard that they already broke up! nm
nm
My sister broke hers
when she was little when we were all in a car accident. It took a couple of hours before she started complaining about her arm feeling heavy. Mom was going to the ER to get her ankle x-rayed, which turned out not to be broken, and took my sister along for an x-ray just in case. Yup, it was broken. So yours could be too. All they will probably do is put you in a sling.
It broke up both our marriages.
Our two kids, their two kids, parents, other family. She lives in Texas now, on her third or fourth marriage. My ex never did remarry (he is also bi - as I said in another post today). Her ex is on his 3rd marriage.
Thanks for your kind thoughts. But as for me, I met a wonderful man whom I have been married to for 9 tremendous years and am very happy now. It just was such a betrayal that it still bothers me from time to time.
Oh, and no, she never did say she was sorry. It's like I never really knew who she was...
Re-gifting keeps me from going broke
I would throw away any food that I had reservations about, but I look at it as a challenge sometimes to find those horrible gifts a good home :)
To me there really isn't anything else for one to do but thank them for the gift then do with it what you will.
Look at it this way - if it makes you happy making a friend/relative happy by giving them the gift, then it has given you something.to be thankful for, albeit in a roundabout way.
Poll: How broke are you?
Last payday, I would have needed $200 to pay all my bills and then be broke. Payday is three days away. Here's my tally: Cash on hand: 48 cents. Checking: $3.58. Savings: 4 cents. Woohoo. Hatin' it.
Sure am glad this forced me to stop the cigarettes -- 18 days smoke free now.
Just a thought--if it ain't broke, don't fix it.
Why would anyone want to have a part of their body removed just on a CHANCE they may someday get some disease. This is just beyond my comprehension. That's like saying, well, I may as well kill myself now 'cause I'm gonna die some day anyway. ???
Miss Lily broke my toe.
So my lovely dog Miss Lily, who can't be more than 6 inches from me at all times, stepped on the back of my pajamas when we were walking down the stairs and I fell down a few of them. I broke my toe, just a hairline fracture, and it HURTS! That'll teach me to wear pajamas that are remotely baggy lol.
*This concludes my pity party* 
The straw that broke my back was
when my 90-year-old father was killed in an accident. I was only relative left, no siblings, no other living kids - well my son said I had got it ALL, thinking he should have more than the $60,000.00 my father had given him and his children for their school/college. How greedy can a person be? I should have had EVERYTHING but not the case. When my grandparents died, I think I got some dishes, maybe and oh, yeh and a watch from my grandmother. Rememberence type things which I am thankful for. My DIL's family just took completely over. I have a great life, though and I figure things will be like they are supposed to be. No sweat off my brow.
Like you, I have fibro and broke out with shingles for the first
time this past month. OMG, could not tell which was the worse. Do you use anything like fish oil or glucosamine? My hubby gave me the fish oil and it helped me a lot with the stiffness in the joints. My fibro started in my late 50s.
I broke down and got a pair of dedicated....
single-vision computer glasses. HUGE difference. They definitely aren't pretty because I wanted to keep the cost as low as I could, but my headaches are all but gone now thanks to them.
My other pair of glasses are bifocals, which I can use for work in a pinch like if I lost my computer glasses, but what happens is I wind up tilting my head too much to use the teeny bifocal part to see the monitor, which in turn causes headaches from muscle strain.
To save a TON off glasses, take your prescription and get them at a wholesale place like Sam's Club.
Good luck! 
That is cold. My furnace is broke...sm
Getting it repaired tomorrow. YAY! Freezing sucks! It has been in the 30s at night here in South MS and that is too cold for no heat. I do have the little electric space heaters though so that helps. Heat tomorrow finally!
i read that the mob broke the doors down
if they got it on camera, i think whoever knocked this person down should be held accountable.
Not broke here but in years past
could probably not really rub 2 nickels together. I am sorry so many others have lost their jobs, etc. I have been able to, so far, keep my job and my hubby has a union job and he is still there although at his job they have laid off some. I have money saved so if his job had been threatened, feel like have enough to get us through several months or even years if need be but I would hate to come to that. I have not changed any spending habits, in fact need to rein in my overspending. I heard cigarettes were extremely expensive now- a carton for over $50.00?
Cleaning lady broke something again!
This time it's really not replaceable. It was a tiny glass vase of tuilps that my MIL brought back from Italy. Each tulip was separate and just adorable.
I MIGHT be able to find something like it online, but I haven't looked yet. She/they have broken stuff before and while the stuff as been important to me it was not expensive.
I had this, and a few other things in my bedroom entertainment cabinet - to PROTECT it from HER. Today she decides to clean in there.
I think this is it. She cleans well and is affordable, but at this rate everything important to me will be broken in a couple of years.
I almost went blind from it as I broke out on half of my face and they
were invading my cornea but never penetrated through. I had them actually while on the delivery table with my son!! It was frightening to say the least, I looked like a monster for about 1 week, started healing after week 2 and then had terrible pain weeks 2 and 3. I was popping 800 Motrin without even looking at the clock, the only time in my life I was a pill popper!! Anyhow still can't tweeze my eyebrow on that area without strange neuralgia, when I get tired or stressed I feel the tingling, feels like my eyelid is drooping but no residual effects other than that. If it ever happens again (this was 16 years ago so knock on wood) I will just go somewhere with a bottle and drink myself to sleep for 3 weeks.
tried duct tape, no go, broke immediately, thanks though, NM
z
I finally broke down and bought a box of cards
Sunday night. I haven't gotten them addressed yet, but I'm hoping to this week. We always did the same thing -- different colored inks, holiday stamps, etc. I just don't feel like putting the time into it this year. One year, I even bought cards from a scrapbook party to make my own. They went over really well. My grandma, 80 years old, told me not to send her a card because of the price of stamps. I'm planning to hand-deliver hers on Christmas day as well as others that I will be seeing or live close enough to to deliver personally.
I only have a few out-of-towners that I need to mail to and I'm hoping to get those done by Friday.
Why not try addressing 2 or 3 per evening? Get DH to help. I always feel guilty when I receive cards and don't mail them.
i broke a mercury thermometer - what a pain i
it broke on the counter right next to the fridge, so some little balls of mercury went down the crack between the fridge and counter.
Not broke but have changed spending habits.
I did reel in some spending a bit and changed a few things in the budget.
Have no intention of going broke.
Don't smoke either. LOL Couldn't afford to with the new taxes on those things!
not broke, just always struggling to keep head afloat.
Basically paycheck to paycheck with us, also. We are trying to manage our money better unfortunately we do well for a while and then fall off. It's getting harder and harder though; my goal is to have my credit cards paid in full (3 of them) by end of April as I am tired of paying all that interest. I agree with the gal who wants to get rid of banks. That's exactly how they make their money off of you. The middle class IS disappearing . . .
I broke my keyboard tray off when I was startled and jumped. Terrible startle reflex. NM
x
they ARE completely different
i can't believe you have a friend that had the nerve to compare her abortion to your miscarriage!!! im so sorry for your loss
I completely believe that. sm
I've never been separated from a marriage, but in 2 long-term (several year) relationships that finally succumbed to breaking up, we got along WAY better once we were 'only' friends. The change was immediate! Best of luck to you both. Sounds like you tried your hardest.
I would really keep a close eye on her
if like you say the distance is making him more psycho. Sounds like a really dangerous character to me. And of course, we both know that "mother knows best" but then again, did we listen to our mothers? NOOO! We did exactly the opposite of what they wanted us to do! We all have to learn our lessons in life the hard way. Like you said, at least there are no children involved. Just count your blessings that she got out before she devoted too many years to this warped relationship!
She is only 19 and we are so close sm
I told her this week that I will always love her as her mom, support her like her mom, be concerned for her like her mom, but that we have both allowed our relationship to flower into a friendship where one happens to be 28 years older than the other and that one gave birth to the other.
She has given me so much to be proud of, so much to be thankful for, and this is part of it.
Don't close out your IRA!
Cashing out the IRA has big consequences. Depending on how much is in there you could be getting some pretty big penalties. Not to mention that the value of it is down enough that you're taking a loss even without factoring the penalities into it. The car is still running, right? Granted, you said not for much longer, but it's at least still running now. I would wait. Dealerships are always having sales - even the used car guys. With the economy going the way it is, they're not going to be having much luck and I have a feeling that by the summer you'll be able to find something decent within the range that you've got without cashing in the IRA.
You must have been close to your dad...sm
I have never been close to my dad. Not that I wouldn't be hurt if something happened to him, but I am very close to my mom. You know sometimes you can tell when a parent doesn't want to be bothered with you and I always got that feeling from my dad but never from my mom. I knew he loved me but sometimes he didn't seem to want me around.
if it is close
I would not give one of those slimeballs one more penny, let alone $6,000. That party was a scam all the way. If you have equity in your home, just thank God that you did not get caught up in this stupid 1920's style disaster and pay that house off!
I was close, eh?
;)
Understand you completely - sm
My situation is exactly the same. He can ignore me for weeks. I mean completely ignore me to the point that I may as well not even be here unless he has run out of clean underwear and socks.
Then when he gets a wild hair, I'm supposed to jump with glee? No thanks, I would rather spend my time planning for the day I leave his sorry self now.
Agree completely......nm
xx
I completely agree! (sm)
As strange as this woman may have been, including the people she chose to surround herself with, there has never been a question about how she felt about her beloved son. Let's hope this woman can finally have some peace in the next few days and spend eternity next to the one person that wasn't involved with her for his own personal gain!
I may be completely wrong,
but when I caught a little bit of the story on the news, it sounded like the "amount of money she had been offered equaled out to 20,000 a day for each day they were married. I would not call her a gold digger when they first married, I mean, I most certainly could fall in love with Sir Paul, but now it sounds like she wants everything. As for Dancing with the Stars, she has shown up but I don't see the public embracing her and voting for her to stay.
Completely agree...
I have the same standards. Sleeping together is a gift that comes with marriage in my opinion. It is your house and your rules. Good for you for sticking to it!
I completely agree...sm
I live in one of the states that is in the middle of terrible turmoil due to illegal immigrants and what gets me is the minute citizens try to get laws that are already on the books enforced we are considered racists. The illegal immigrants form marches and get on TV and tell the world how terrible and racist the politicians are who are just trying to have laws that are already written enforced. It is just crazy. I mean they are here illegally, it has nothing to do with their race, it has to do with the fact that they are breaking the law and need to be treated like any other law breaker in this country. Geez. You have to be a citizen to vote, but all our signs outside the voting places have to be bilingual, does that make sense to you? Most jobs in my area are now only hiring bilingual people, so unless you learn Spanish, it is very hard to find a job, which I find even more irritating. I mean, what would happen to an American citizen if they tried to jump the border to any other country in the world, do you think we would be given any sort of rights other than being thrown in jail, deported, or just plain disappearing off the face of the earth? I don't think so.
Unfortunately, when we divorced I was completely sm
out of my mind. It is legal because it states that he has the right to make any decision and can change his mind at any time since he has physical custody. He has been very kind in the past to allow my son to spend the entire summer with us. This will be the first summer in 7 years that we have not seen him. Plus, we send for him throughout the year during holidays and spring breaks. He can do this and can make this decision.
I could get a lawyer and amend the agreement we have, but then it will get so ugly (again) and complicated and I don't ever want to go through that ever again. He still has emotional wounds from our divorce (I've since moved on and remarried), so if he wanted to be ugly he can. What's to say my husband and I hire a lawyer in his state, go to court, and then I end up losing even the right to see my son? That can happen, especially since he has not lived with us ever. Thanks for your suggestion, though.
I agree completely! Very well said (nm)
a
I understand completely...
and am in no way arguing your point, it's a valid one! I just don't understand the LACK of self-control these days. Maybe it's the lack of responsibility one must take for those actions..I don't know, guess we could debate this all day, but please, I meant no disrespect to your previous post. I enjoy reading your advice...very refreshing and inspiring 
Understand completely - sm
I too have been burned a few times for trying to help someone but not Stacy.
She's a smart kid, a good mom, and proudly independent. I think she will see it for what it is. The temptation is very strong to try to bring a "family" together for the sake of a child but I am really hoping that she won't give in to that temptation.
Her ex boyfriend and his mother are wastes of perfectly good flesh and oxygen. some people....
Not the OP but I understand completely - sm
And, just for the record. I don't have a cleaning lady but I would love one too. My husband is a complete SLOB.
I vacuum every night, do the dishes, clean the counters, etc. By the time I get up, there are wood chips, snow, mud, whatever, trailed through the house from his boots, there is protein powder all over the kitchen counters and on the kitchen floor, and more dishes in the sink than even my kids can go through in one evening.
Not to mention the pile of dirty laundry he pulls from under his side of the bed immediately after I have finished doing ALL of the laundry. Happens every single time!
I'm not even going to get into the stuff I find in the bathroom sink and on the bathroom floor!
Like I said, I would love to have a cleaning lady too but I would be too embarassed to let someone see what I have to live with.
Completely different posts....
You might want to read again-I was not talking about her meowing then. I am not talking about giving her foods, supplements, now. I am asking about how do you know about end of life. People say you would know and I am asking about her sounding off now. Please review my other post again- I am feeding her kittie cat food and also supplements. This post is entirely different.
I actually have, and it was completely normal - SM
I'm in my mid-20s and have always been very healthy and active. I could never even catch the chickenpox from my friends as a child! LOL! Oh well, I'll have to see if stopping this antihistamine makes a difference. I feel completely fine otherwise.
I completely understand
My 13-year-old daughter just asked me for $25 for a T-shirt for the Science Olympiad. Thankfully her yearbook only cost $20, but she thinks money grows on trees. She does get an allowance for watching her younger sister and helping around the house, but when I tell her I'll deduct the money from her allowance, she looks at me like I'm crazy.
She's in Student Counsel and they go on trips every year, but her school does fundraisers so we end up not paying much at all in the end with his helpful.
She wants to go to college to become a Vet and probably will end up trying to go to Cornell. We've already told her to start saving and get some scholarships because there's no way we can afford it.
I still have a four year old to deal with. I can only imagine when she gets older.
I completely agree with you. - nm
nm
I completely agree.....sm
I also as a child was spanked NOT beaten, an I can tell you that my generation had MUCH more respect than the generations now. I am not that old either...late 30s, but back in the day, the neighbors spanked you, then sent you home to your parents whom they called, and you got it again...needless to say, I turned out JUST fine and again, have a LOT more respect for my elders now. I cannot STAND when people say that just because you spank your child means that you beat them...I have 4 children, whom are spanked when needed, which has not had to be often, but I can bet you that they respect me, their dad, AND other adults, and even my oldest ones (who are teenagers by the way) have said THEY think it has made them better people. They can COMPLETELY understand WHY we as parents may resort to spanking (and we used time outs too, but those only work for so long and for the "little" things). I too think that if more parents "spanked" NOT BEAT, their children, we would not have all the disrespect we have today. Just another example of "society/government" getting in the way. Again, spanking and beating are two different things, so DON'T confuse the two. As it says in the bible...spare the rod, spoil the child! JMHO!!
I completely understand...sm
I am scrambling tonight trying to get some lines in because my work has been so slow I only worked 14 hours Monday until Friday. This weekend I got about 63 minutes of dictation so that will add some lines. I have to scramble to work about 20-25 hours per week.
Just want you to know I understand completely where sm
you are coming from and agree totally that it is terribly, terribly sad. I just don't want you to harp on it and let it work on you. You have done nothing wrong. Stand proud. They are entitled to their opinions - strange as they are - they are not entitled to spew them all over the place and say hurtful stupid things to you - just shows how mixed up they are. You sister was right in telling you to let it go - they are strange - weird - you are blessed your husband is so different. Give him a hug and ignore the rest of them. Good luck!
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