Severe Financial Problems?
Posted By: goldy on 2009-05-18
In Reply to:
Like many, we are really suffering. My husband's employer filed Chapter 11. He kept his job, but his salary has been cut in half.
I have been out of work and looking for months, though I do get a few hundred dollars every month. All that goes toward our household expenses.
We are so far behind in our rent that the landlord's kindness is all that stands between us and eviction, but it's coming.
I know the only solution is more income. My husband WAS persuaded that he would have to find a second job, then I had two interviews. He felt optimistic that I would get on or the other, but I didn't.
Now he says he shouldn't have to get a second job if I don't have one. I understand how unfair that must feel, but his job hasn't paid our rent for nine weeks. Fair seems kind of beside the point.
In previous relationships I've gone through hard financial times, and the men really rose to the occasion. I don't know what to do. My husband plays video games several hours a day while we are going under.
We could have eviction filed on us within two weeks and I'm scared to death. I haven't even been able to get a minimum wages job. I feel that he's just going to ride it down and live in his car.
What should I do? What should I say to him?
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I need help getting Financial Aid
I am a nursing student at Laney College and am in my first semester. I applied for Financial Aid in December, I quit my full time day job in order to complete my 17 units with full attention ( I suffer from ADD and depression and find it diffucult to hold down a full time job and go to school full time). I got a serving job at a nearby restaurant that just opened and wish I didn't, because at most I have maybe A table a shift. I did get another serving/bartending job that doesn't start until next week. SOOOOOOOO here's my problem, I go to the financial aid dept. every week, I have filed a petition for the supervisor to call me, or do something, and they still say it will be 4 to 6 more weeks before I even meet with an officer. Is there anything I can do to further this process? Rent is due in 4 days, and I don't have it, I also applied for the GA and food stamps, but got denied on both, because I am a full time student. If you have any, any, any, suggestions please post, I am so desperate and don't want to drop out, but I might have to.
Financial help suggestions
Friends of ours just got notice from their landlord. Apparently they are about $1900 behind in their rent. I think they have been making partial payments for awhile, not just NOT paying the rent. Anyway, the landlord is now demanding payment in full by Dec. 30th or he will evict them. Apparently he is through "working with them". They have no one to borrow from. We can't help them either. They're credit isn't good enough that they can get a bank loan. I've suggested going to social services to see if they can qualify for some rental assistance but that's all I can think of so far.
You have to have your own financial backing
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I'm no financial genius ...
but this practice could be one of the reasons CA is in such horrible shape.
Wages are high in CA due to the cost of living there. So, wages in another state will be lower, but might be in line with the cost of living there.
financial backing
When you say you backed them financially, are you a part of the organization's structure, or are you basically doing it as a donation? I could be really wrong, so you definitely need to check with the IRS, but I think to be able to deduct those expenses, you either need to be part of the organization's corporate structure or the organization needs to be a 501 non profit.
Speak to the director of financial aid
Ditto the advice on Voc Rehab.
You should be able to get food stamps *if* you qualify for work-study OR work at least 20 hours/week. I would appeal their denial ASAP. Ask for the caseworker's supervisor and say you want to appeal their decision. They should send you a letter with a "hearing" date on it.
Call and ask to speak with the Director of Financial Aid. Be persistent and keep asking for him. If you can't get through go to the Provost office or some higher up at the college. I've done it with a 18 month old in a stroller at my side! :)
One more thing - every single school I have ever attended had some sort of emergency loan for students. It's usually called a short-term loan or something like that. Also see if you can get $ on your ID card for the cafeteria. That can put that on the loan too.
You sound like you have a solid financial
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It's not stressful to have the savings; for me, it's stressful getting it in there. We also do a lot of pre-tax savings, but I still like a refund. Thanks for the well wishes. We're hoping to start rebuilding this month. Houses cost a lot more now to build than they did 10 years ago and we've got 2 kids more than we had then, too.
Financial assistance question
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Thanks,
Suze Orman, financial adviser...
is giving away a free download of her book. Go to Oprah's web site and download, "Women and Money," free until tomorrow at 5:00. I love anything about her and thought I'd share this! Free stuff is also good!
Enjoy!
Best is find a good financial advisor.
nm
I am sorry to hear about your house. I hope that you can somehow make a financial recovery.
Actually, it was usually co-workers or friends that I would hear boast about their refunds, and none of them were on public assistance (that I knew of anyway).
As an aside, I am a single parent who gets to claim the EIC. I am the sole support for my daughter so every penny counts. I guess I do not consider stressful to keep money in savings. For me, it alleviates stress to have that safety net there for emergency expenditures or unforeseen events. I also take advantage of all the pre-tax contributions I can claim in the form of IRAs, an HSA, and my little one's 529 account. I guess it is just a different way of looking at things.
SEVERE acne while on it
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nm
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Our stories are very, very similar. Due to my severe depression sm
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Without anesthesia, and done by a dentist with severe halitosis. :)
:)
had a chihuahua who had severe grand mal type ones and never came out of her last one; be persistent
;
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No excuse for this level of entitlement no matter what your stres level or financial situation is!
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