Start with $880 and $250 food stamps Finished with $4 and $10 food stamps House Bill $275, Power Bill $215, Cable Bill $200, Water Bill $55, Cigs supplies $87, House supplies $43 I have cut corners as close as I can on my budgeting, you better believe I chase all opportunities as far as charities go. I keep hounding christmas in action to pick us for a ramp to be build on the house for husband. I go to the Carver Center twice a year for utility assistance, I go to three food pantries monthly for extra food. We got to buy seeds, bulbs, and saplings for our garden this year. Got to take our aluminum cans in yet, soon as we get anti-freeze for sisters truck. VNA another charity - wanted to send me to finance management classes... I told them I am an excellent finance manager. I have a budget sheet. Unless they have a lead on more charities... there is nothing more to tweak. I tried my best to sell every extra thing I have to sale... still stuck with my moms dolls, and a wedding dress. Want to make them dream catchers, I know them are worth money if I can improve on them. Going to call my moms friend Nita, I give her a sewing machine my mom had... but I need to call her to see if she had used it, or had another sewing machine to donate to our cause. Want to learn how to make clothes like my mom did. We have not bought clothes in years... usually go to rescue mission periodically to get free clothing. I would much rather make my clothes if I can. Least few things that cant be found... what I get for being old fashioned... I have a love of all things to do with broom skirts. I do check with the cable company on deals, every few months they can move us to cheaper payments, but I am not about to look at my husband and tell him he cant have his movie channels, nor am I willing to give up my internet. I am really hoping that company Outernet works, might be able to get free internet in a few years. I am already on levelized billing for power and water bill. I refuse to be lectured about my smoking habit, I work my ass off, and I dont be condescended to about my one bad vice. I actually buy all the supplies and roll my own cigarettes, that covers all 3 of us in the house. I went to the bank today and the lady there give me her business card, she had my name in some little book and said she had a credit card offer just for me. I have not looked at it yet... I told her straight up I know how underwriting works and I dont have the income requirement to qualify. But if she could hook me up with an actual installment loan that would be a different matter. I would just take that money and fold it right back over into the payments on the loan. I have one more year for the last of my bad debts to expire out of the statute of limitations. Fingers crossed that the damn creditor does not appear to renew the debt. My credit report is pure now, I did my time and it has expired, but I need to build now. But due to limited income that has even been prohibitive. What I need is to some how freaking figure out how to shake loose of a predatory balloon mortgage... if there are any mortgage officers in my friends group please hit me up so I can ask some questions on debt to income requirements for a 15 to 30 year loan so I can flip over to something more secure. I let the lady at the bank know I might come back to her and talk about that possibility.
Posted on: Thu, 03 Apr 2014 23:51:38 +0000
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