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SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/8/07 8:04 P

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Everyone in my family is more broke than me and I'm the unemployed one LOL

My dad is retired and lives off the navy pension but that goes toward mostly rent, cell bill, and some groceries.

My mom works 20 hours a week $10/hr

My bro is unemployed

My sister makes enough money but shops too much

and i'm unemployed

Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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3/8/07 7:26 P

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I don't know what your income requirements are, but I've heard Wal-Mart has good benefits, even if the pay isn't great. You know, they say it's easier to get a job when you already have one. If the unemployment runs out, anything is better than nothing, right?

Do you live with your parents? You've been talking about having to move, but then you mentioned your parents moving. I think you also wrote in another thread about your brother living with your parents. If you are both living with them, maybe there are some things you could all do to help each other. The grocery bill would be a good place to cut & do some combining of meals & such. Also, do you all have your own phone bills, cable, or other things like that?

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/8/07 5:29 P

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I've applied to hopsitals and they never interview me, I've applied to a dozen jobs a day every day since 9/2006 and i've only had about 7-10 job interviews and I never get hired.

I do have an interview tomorrow, it's kind of far in regards to my car dying situation but the guy I spoke to was nice enough to give me a heads up as far as what the hiring committee is looking for.

Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


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ARNOLDD001's Photo ARNOLDD001 SparkPoints: (0)
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3/8/07 4:30 P

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Sheepingly, sorry you are in such a pinch right now. I agree with Mysticdancer. Pay your minimums so your are prepared and work on paying them off after you have income coming in.
I don't know about CA but her in Charleston there are lots of jobs available in the food industry. While it isn't the best paying job they are usually flexible, have benefits and it will bring in money and keep you from eating up all of your savings until a job in your field becomes available. What is your field of employement. Just as an fyi the hospitals are always hiring for miscellaneous things you might want to check out your local hospital website or jobline and see what you might be qualified for same for Dr's offices. Anything is better than nothing! Good luck and we are here for you.
Deb

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"I am not afraid of tomorrow, for I have seen yesterday...and love today!"

Come hell or high water I will live to see tomorrow and damn well enjoy it!


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SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/8/07 1:46 P

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Oh she just called to let my mom know that she put the house on the "market" whatever that means. I wonder why when my dad answered the phone why didn't she tell him. Probably doesn't like him lol.

My sister asked my mom to ask her to give us more tim at least until September to save money. I told my sister that there was no point because they don't care based on our dealings with them for the past 2 years.

But my sister wants my mom to try and ask anyway.

Also my sister told me that after my unemployment runs out (Mid April) that I can apply and get it for another 6 months again (at least in California) because she said that's what happened to her when she was out of a job for a long time.

Is that true for the California people in here?

Edited by: SHEEPINGLY at: 3/8/2007 (13:47)
Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


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ELAINEY1 SparkPoints: (0)
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3/8/07 8:49 A

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sheeplingly..leagelly..a renter has 3 months to move out!!!!!!

i beleive in mircles, where r you from, you sexy thing ez
SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/7/07 5:51 P

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I have no back up plan. I'm willing to take any job possible that at least pays enough to pay rent. If worst comes to worse I'd rather have a place to live with debts going to collections than having my bills paid and being homeless.

Everyone else in my family is worse off and so are my friends.

All I can do is apply to as many jobs as I qualify for and take the first one that hires and put every single dollar that I can into savings so at least it collects interest and that's extra $.

The landlord told us about the "us moving out" situation 2 days ago and she just called our house looking for my mom. I hope that doesn't mean they found a buyer already. :|



Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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3/7/07 5:41 P

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The temp agencies here have never been any help to me, either. Like I mentioned before, the big question is what will you do if you still don't have a job when unemployment runs out? I think you need a plan? I have a DH with a good income & a part-time family business, so I'm able to be unemployed, & while it's tough financially, we've been able to make ends meet. If you have no other income to help you, you need a backup plan.

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/7/07 1:34 P

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I am with 2 of hte largest temp agencies here and they have not found me a job ever...and if they did those jobs didn't even call me in for an interview.

I would pay debts down more but saving for future unemployment isn't unrealistic. After I get all the unemployment checks paid to me? I might not have a job after that...the checks that come help pay my bills and whatever's left over goes towards my savings...for future rent/debt payments that I have to make if I dont have a job.

I've been applying to other places even though the school is supposed to call me soon. I even called the school and they haven't called me back.

I dont know how long this "me being jobless" will last that I'm scared of overpaying on my debts.

Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


 current weight: 166.0 
 
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MYDAYSCOUNT's Photo MYDAYSCOUNT Posts: 2,245
3/7/07 8:47 A

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Donna, lots of cards do charge a higher rate for cash and they usually have a service charge for transferring balances, so check the fine print. I have found that transferring large balances usually pays off because the service charge is usually a percentage up to a maximum amount. Transferring small balances, though, the service charge often eats up the difference between the two interest rates. I transferred $7500 from a card with a rate of 24.99% to a card with a rate of 5.99% because the $75 charge was more than worth the $1425 in interest savings in a year.

Don't count the days; make the days count.

Barb


To be nobody but yourself--in a world which is doing its best, night and day, to make you everybody else-- means to fight the hardest battle which any human being can fight; and never stop fighting. - ee cummings


Take the journey of your life one adventure-filled day trip at a time!


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MYDAYSCOUNT's Photo MYDAYSCOUNT Posts: 2,245
3/7/07 8:42 A

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Sheepingly, you're in a tough spot. When you don't know what money will be coming in, if any, it's really hard to plan ahead. I would recommend looking closely at your credit card statements. If making the minimum payment does not cover the entire finance charge, pay more. Make sure you are paying at least enough to cover the finance charges every month, otherwise your debt will increase even if you don't use the cards.

I think you have said before that your savings are for unexpected expenses. Car repairs and moving expenses would both fit into this category for me, so I would use the savings for that. I think it is a little unrealistic to be saving for possible unemployment while you are unemployed, but you seem to have a good head on your shoulders, so I'm sure you will be fine.

I hope the schools call soon!

Don't count the days; make the days count.

Barb


To be nobody but yourself--in a world which is doing its best, night and day, to make you everybody else-- means to fight the hardest battle which any human being can fight; and never stop fighting. - ee cummings


Take the journey of your life one adventure-filled day trip at a time!


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KNICHOLS2's Photo KNICHOLS2 Posts: 645
3/6/07 8:39 P

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sheepingly, I had a room mate who worked for a temp agency when his unenployment ran out. It was on one of his temp jobs that he found out about the good job he got. You might want to think about room mating untill your finances are in better shape.
Kay N

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MYSTICDANCER's Photo MYSTICDANCER Posts: 26
3/6/07 8:08 P

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I understand SHEEPINGLY that you would like to pay off some debt. But it seems your money is very tight right now. You mention your car needs repairs. ($400)

You also stated you weren't sure if the car would run correctly once you spent the $400. (might need extra money for repairs)

You also mention that you are moving. Might need extra money for deposits on lights, gas, phone etc.

So in my opinion, I would hang onto the money you have just in case there might be such an emergency.

I would only make the min payments on the debts. Once work is established again, then and only then I would start working down the debts.

Sometimes we all have to take 2 steps back to continue to move forward on the right path.

Just my 2 cents.


Experimentation is the key to finding happiness -- try out some new ideas today.


 
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SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/6/07 6:01 P

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Well knowing that I have $2,555.70 and I have 2,800 coming in from unemployment which about 800 will go towards debts and rent for the month of april. So that means at near the end of april I'll ahve about $4,555.70 to last me until I have a job. Oh and I also have about 43.00 in my bank savings account. Plus I need to sell my book back and i'll get about $40 from that.

My Debts are:

- Store Card balance: $220.21 ($23 monthly, $6 finance charges/month)
- Credit Card (closed): $3,500 balance ($70 monthly, $63 finance charges/month)
- Ortho Braces balance: $743.00
- School loans balance: $9000 (defferred until 2008, monthly will be around $100/month once 2008 hits)
- Cell bill is $60/month, owe $390 for March Bill + new Sidekick phone.

My thoughts are this:

- I need money for moving expenses and $400 cost to fix car
- I'm waiting for teh school to hire me from hiring pool could take anywhere from today to summer '07 if at all.
- I want to pay down debts but I want to save money until I have a job.

So what do you all think? Normally if I didn't have to move I'd save but since all this moving stuff is happening i might as well pay stuff off too.

Edited by: SHEEPINGLY at: 3/6/2007 (18:02)
Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


 current weight: 166.0 
 
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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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3/6/07 5:49 P

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This is a tough call. I hope you get a lot of responses to this. I'm certainly no expert, but it would seem you're spending more in interest on your credit cards than you're receiving for your ING account. The store cards are probably very high interest, so it seems it'd be worthwhile to pay them off. I don't know your situation & don't own a sidekick myself, but I'm wondering if this is really worth the cost. Could you get rid of that debt?

If you had a job, this would be different. Do you have any idea how long it might take you to find a job? What will you do if you can't find work before your unemployment runs out? I think that's the key question. Also, if you haven't been having taxes taken out, once you go back to work, you should put money aside to cover the taxes that should have been taken out.

One thing I've been thinking about, but I don't know if this would actually help (me or you) is to sort of "play" with my credit cards. If, for instance, there's a card with a low interest rate & $500 available credit, why not take that $500 & pay off a card with a high interest rate? Makes sense, doesn't it? What I don't know, however, is if taking the "cash" is a different interest rate.

Another thing you might consider is to see if you can find things to sell. You might also approach your parents to sell things for them & collect a "commission", so you both benefit from it. It might be a way for you to both get "extra" money.

Okay, that's all I can think of off-hand.

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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SHEEPINGLY's Photo SHEEPINGLY Posts: 1,840
3/6/07 4:57 P

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Okay here's the scenario:

- I have $2,555.70 in my ING account
- I have about $2,800 that should be coming in between now and mid april from unemployment and that's it for unemployment this year. I make about $6 in interest from my ING account as of right now

I owe 3500 in credit card, 220 in store cards, rent right now until i move is $600, cell bill w/ the new sidekick payment still owed will be $390 after that the monthly is usually $60/month, monthly ortho bill is $56.25 until i pay off the balance of 743.00, school loan is about $6000-8000. Plus I have to fix my car at some point and I think it's going to cost $400 and hopefully it's fixed for good this time.

So what should I do...pay down debts slowly amongst my moving? Just pay the monthlys and save up until i find a job? I dont know what i should do first. I mean i know what's the wise decision but I think I'm going to have to modify that until things get stable.

Edited by: SHEEPINGLY at: 3/6/2007 (16:57)
Goals:

Pay off Debt [CT: $35,422.14 ]

Drop down to 135lb.

See my Spark Page for status of Other Goals! rebellionstartsnow.typepad.com


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