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Please don't hate me for what I have done, believe me or not my case worker put me up to it and I'm extremely embarrassed. She told me about the website and kept nagging me about putting it on here cause I have told her how much I love coming on here, I try telling her I would get a bunch of backlash from doing this. I will be printing this out to show her.
Blackcat please leave the link down. I don't want to offend any one else.
Thank you everybody for all the suggests that have been given, I will check out the book but I don't want anyone thinking that we go crazy with our money like going out to movies or eating out every night. We don't go blow our money we just didn't have enough coming it. My husband lost hours at his job and my van broke down at the same time so we fell behind.
I have thought about getting a job outside that home but with four kids in daycare I wouldn't have much of a paycheck left if any that is why I trying to do home daycare again.
And I would like to address the person that said why aren't we saving up all the money we are saving from having almost free housing. I would like to clarify that its not practically free rent, we have to pay 40% of what the actual rent is and only because we don't make enough to afford the full rent so we are not saving any money by being on this assistance. The point of this housing program is to help homeless people and it did but there were somethings we weren't made aware of till after we moved in to this house. ( I guess you could say that was our fault too, we didn't ask enough questions )
I would also like to address someone's comment about selling our car. I have looked into it and it seems complicated when you still own so much on it. What I have found is that it will be highly unlikely to find a buyer willing to buy it at the amount I still owe on it. Even thu I still own $10,000 on it, on average I will get $8,000 (kelly blue book) for it and I still have to make payments on that last $2,000 even thu I don't own it any more and I now no longer have a van (with four kids) and no way to buy a cheaper one.
Yes it was probably stupid financing a car (we've never done it before ) but at the time we were doing ok and both of our cars died within two weeks of each other (one car almost 200,000 miles and the other well over 200,000 miles). I guess it was a weak moment for us being strand with no car.
Look I'm very sorry for starting this thread it was stupid and I shouldn't have listened to her. I probably wont be showing my self around here for a very long time if every. I'm really really sorry I upset everyone.
goodbye
Blackcat please leave the link down. I don't want to offend any one else.
Thank you everybody for all the suggests that have been given, I will check out the book but I don't want anyone thinking that we go crazy with our money like going out to movies or eating out every night. We don't go blow our money we just didn't have enough coming it. My husband lost hours at his job and my van broke down at the same time so we fell behind.
I have thought about getting a job outside that home but with four kids in daycare I wouldn't have much of a paycheck left if any that is why I trying to do home daycare again.
And I would like to address the person that said why aren't we saving up all the money we are saving from having almost free housing. I would like to clarify that its not practically free rent, we have to pay 40% of what the actual rent is and only because we don't make enough to afford the full rent so we are not saving any money by being on this assistance. The point of this housing program is to help homeless people and it did but there were somethings we weren't made aware of till after we moved in to this house. ( I guess you could say that was our fault too, we didn't ask enough questions )
I would also like to address someone's comment about selling our car. I have looked into it and it seems complicated when you still own so much on it. What I have found is that it will be highly unlikely to find a buyer willing to buy it at the amount I still owe on it. Even thu I still own $10,000 on it, on average I will get $8,000 (kelly blue book) for it and I still have to make payments on that last $2,000 even thu I don't own it any more and I now no longer have a van (with four kids) and no way to buy a cheaper one.
Yes it was probably stupid financing a car (we've never done it before ) but at the time we were doing ok and both of our cars died within two weeks of each other (one car almost 200,000 miles and the other well over 200,000 miles). I guess it was a weak moment for us being strand with no car.
Look I'm very sorry for starting this thread it was stupid and I shouldn't have listened to her. I probably wont be showing my self around here for a very long time if every. I'm really really sorry I upset everyone.
goodbye
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