I applied for and received food stamps. You can own a home but you can't have a new car I think. It was EXTREMELY vital to our existence for almost 2 years.
Well, the good news is that the people that we have our land contract (house) through told us to not worry about paying anything this month. They are still discussing options for a more long-term solution to help us. They have mentioned helping us roll into a traditional mortgage. They mentioned even coming down on the price a bit (don't know how much). Basically when we bought the house 2.5 years ago, it was a steal. They were actually taking a loss. It was appraised for almost twice what we paid for it. That was Feb 08. Over that first year, there were tons of foreclosures in our neighborhood and no home sales, so in Feb 09, when we tried to roll it into a traditional mortgage, everything looked great as far as credit and such. But we got denied because our home lost so much value, we were upside down! The land contract company knows this and that is why they are considering helping us even if that means they take a bigger loss. The benefit to them is that they would get all their money right away.
Aside from that, we signed up for WIC. We were barely able to make it with less than $200 (annual income) to spare. Whew! They pay for a lot more than I thought and I made my first trip to the store to use the benefits. I got over $53 in groceries and only paid $3.99 out of pocket. I almost cried right in front of the cashier. Partly from embarrassment for needing such a program, and partly out of extreme gratitude that the program is there to help.
Also, I have gotten 2 brothers full-time. They are DHS so I don't expect the DHS to roll in for about a month. They were recently approved (I saw the letter) and it's just a matter of getting them under my ID, which usually doesn't take more than a month (sometimes less than 2 weeks). The family (mom, grandma, grandpa) loved my entire family. My husband bonded with grandpa. The grandma adores my DD and says things like "how's my girl doing today?" It's so great. The grandparents even brought over some riding/bouncing toys that the boys have outgrown and they donated them to my daycare! I almost cried in front of all of them - I was so touched! The family was concerned about the boys fighting all the time and not sharing (ages 3 & 4). But their first week was great. Sure, a few issues, but better than I would expect for their ages. And the boys argue over who gets to sit next to me. They are really sweet boys and get along with my DD great. I think it will work out great.
Another person that I interviewed with a while back called and wants to start in a couple weeks. She's dropping off the paperwork next week. Another full-timer.
The great thing is that the new families only need Mon - Fri. And this was supposed to be my last weekend with my weekenders (moving out of state). (but they called off yesterday and today due to high fevers - will be here tomorrow) So I will have weekends off! YAY!!
Money is still extremely tight right now. But, it looks like it's not as grim as it once was. I credit all the prayers from family and friends like you.
FYI - Big ultrasound on the twins on the 20th! We get to find out if they are boys or girls. But most importantly, how big and healthy they are. I'm more worried about their health. The risk of NICU is much higher with twins and I worry a lot about that. But, I am back up to pre-pregnancy weight and maybe a pound or two over. And my belly is huge. I'm 4 months and look like I did at 7 months with DD. So, I expect a great outcome at the ultrasound.
These highs and lows of running a business are enough to drive you crazy. But even with all the drama, tears, and fears, I know that what I do is very important. And I would never trade any of the time I get to spend with my daughter. I love my job (even on the bad days), and praise God for the opportunity to be home with my child(ren) AND make a difference in the lives of other children.
If they're still doing rehabs/rebuilds of houses, they may be agreeable to doing some trading work/labor for payments on the property.
IDK what your hubby's skill level is, but I have a friend of mine who lost his job and was having a tough time finding something else, so he stepped out on his own-lawn and yard care business. He already had a mower and weed whacker, so his only startup overhead was gas and time. He has grown it from a "gotta pay the bills" desperate measure to a full service property care company.
You just can't give up hope, keep searching for that light at the end of the tunnel.
Spouse of a daycare provider....which I guess makes me one too!
If they're still doing rehabs/rebuilds of houses, they may be agreeable to doing some trading work/labor for payments on the property.
IDK what your hubby's skill level is, but I have a friend of mine who lost his job and was having a tough time finding something else, so he stepped out on his own-lawn and yard care business. He already had a mower and weed whacker, so his only startup overhead was gas and time. He has grown it from a "gotta pay the bills" desperate measure to a full service property care company.
You just can't give up hope, keep searching for that light at the end of the tunnel.
Thank you so much for the idea. My husband and I both grew up in families where our dads did all the home improvements and home construction, so we learned how to do all that stuff really early. We didn't get to lay around in the summer as kids. We were put to work. :: So we could do something like that. However, with me pregnant with twins, taking care of our (almost) 2 year old, and finally getting new clients, I just can't do it. I would be afraid to even get on a ladder these days. My center of gravity is off. My husband works for the federal government and he's going to school full time so he can hopefully get a better job within the federal government. So I don't know where either of us would have the time.
At least it looks like we have more options than what we originally thought.
Thank you so much for the idea. My husband and I both grew up in families where our dads did all the home improvements and home construction, so we learned how to do all that stuff really early. We didn't get to lay around in the summer as kids. We were put to work. :: So we could do something like that. However, with me pregnant with twins, taking care of our (almost) 2 year old, and finally getting new clients, I just can't do it. I would be afraid to even get on a ladder these days. My center of gravity is off. My husband works for the federal government and he's going to school full time so he can hopefully get a better job within the federal government. So I don't know where either of us would have the time.
At least it looks like we have more options than what we originally thought.
GOod luck to you!! Sounds like things are looking a little bit up for you!!!! Prayers are with you!!
ProfessionalMom said "These highs and lows of running a business are enough to drive you crazy. But even with all the drama, tears, and fears, I know that what I do is very important. And I would never trade any of the time I get to spend with my daughter. I love my job (even on the bad days), and praise God for the opportunity to be home with my child(ren) AND make a difference in the lives of other children.
God Bless all of you!"
So glad to hear that things are turning around. I am still praying for you and your family!
You know...I have never met my Grandmother (I was 3 weeks old when she passed). I don't remember my Grandfather as I was 6 or 7 years old. Now I am sure I might get a lot of non believers but something happened to me and my family last year that I feel now is the perfect time to share
Last year I met a great friend of mine through my long lost sister. She is a psychic, kind of like a Ghost Whisper. My friend knew things about me and my family that NO ONE else knew. Not even my sister knew (I found her after 25 odd years so no one can say they talked : Anyway long story short, after my friend did a reading on me and my family I felt SO much closer to my Grandparents that I have never felt growing up. I mean my mother would saying things like...Grandma is looking down at you etc..but this was a truly life changing event.
Anyway, last Oct. I asked my husband to please move this hutch that has been in family for YEARS. We had it in our dining room and I wanted to move it to our spare bedroom. It's not that heavy but I wanted him to move it haha. I asked him in Oct. Come Dec. it was still in my dining room. I woke up one morning and I truly felt like my Grandmother gave me a push and she told me FIRMLY..."if you want something done, DO IT YOURSELF!". I was like you know what, you are right! So guess who moved it :: I totally felt my Grandmothers presence. My husband walked in that morning (he works nights) and was SO shocked he said..."um someone has been decorating" ::::
Second time was just recently. We are hurting financially. No way around it we are. I was crying and so upset. I was in a depressed state of mind. I was thinking bad thoughts that I won't get to. Anyway I was driving home from work (a long drive, an hour away so LOTS of thinking time) and I again felt her presence. I felt her say in so many words...life is to short to worry about damn bills and money. If you want to something done, DO IT YOURSELF! She gave me inspiration to say hey its time for that part time job. My husband works nights so 9 times out of 10 he is sleeping when I get home. I can take something for those few hours until I go to bed. Plus I have weekends off.
I have been looking. Nothing yet but I just feel SO blessed to have been given "the push" by someone who is looking out for me. I know there are some people who might think I am crazy. But I saw first hand.
Thanks for letting me share my story. I love telling people about my friend. The whole situation makes me just feel overflowing with love.
Former Teacher - I was very lucky to have my maternal grandma in my life for the first 31 years of it. She passed in 2006, at the age of 82. She and my mom (her daughter) were my mentors in life. My grandma had 7 children. The 5th (my mom) & 6th were twins. My grandparents lived along a river in a remote area, down a dirt road, lined with beautiful homes that you'd never know existed unless you knew someone who lived out there. Well, in the entire 30+ years that my grandparents lived there, there have been plenty of ducks and geese, but never any swans. Hours before my grandma (the most devote Christian lady I ever knew - but not preachy) passed on, the backyard was full of swans. My aunt took a picture of the majestic view. Days or weeks later, when my aunt had the film developed, there were no swans. Many of us believe that the swans were really angels coming to take grandma home to Heaven. Fast forward to 2008, at my baby shower with DD, the last gift for me to open had a card that said, "I am with you in spirit. Love Grandma" I thought it was a cruel joke at first. But then I realized everyone (my mom, aunts, cousins, etc) were crying. I couldn't figure it out. Then my aunt said that just before grandma passed (on her death bed), she told them (my aunts) to make sure to get me a blanket for my first child when I have her. What's really amazing is that at the time my grandma passed, I was married to someone else who could not give me children and my grandma knew this. Yet somehow she knew I would have a baby someday, somehow. I'm almost in tears again just remembering it. Then one night at the very end of my pregnancy, I went to Wal-Mart to walk around inside (9 mths preg in July - I needed the A/C). As I pulled into the parking lot, there were tons of seagulls! I had never seen any in that parking lot before (or since). I immediately thought of grandma and thought that it might be a sign from her that tonight is the night. I went to the hospital that night because of a little extra "pressure" (but no pain) and the "sign" from grandma. My DD was born less than 8 hours after I saw the seagulls. Needless to say, we had planned from the moment we found out we were pregnant with DD, that we would name her after grandma and we did. They have the same middle name. And even though DD has never met her great grandma, I tell her about her "angel grandma" all the time. Oh, and the blanket from grandma, has only been used once - to bring DD home from the hospital - now we have it preserved for DD, so she will always have something from her "angel grandma".
Sorry so long. I just had to add my grandma story, too. I truly believe that we have angels looking out for us. And if anyone thinks you or I are kooky, then so be it. I feel better every time I think of grandma, her voice, her arms around me, her favorite flower/scent (lilacs), etc. My only regret is that she is not here to see me have the first set of twins since she had hers. She always wanted someone to have another set. But I know she is watching over my babies.
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