Welcome to WeUseCoupons.com
WeUseCoupons.com
Home Register Forum Coupon Database Beginners Arcade Search Today's Posts Mark Forums Read Affiliates Contact
All times are GMT -4. The time now is 03:01 AM.
 »   WeUseCoupons.com » Talkers United! » Coffee Lounge » My Life/Stories
Subscribe to WUC and get Daily Updates in your Inbox Facebook



Reply
 
Thread Tools Display Modes
  post #1  
Old 09-12-2013, 01:33 PM
peaveysp2g peaveysp2g is offline
Ann Marie
peaveysp2g's WishList
Trader Feedback: (1), 100%
 
About
Join Date: Aug 2010
Location: North Western Kentucky
Posts: 643
Thanks: 1,781
Thanked 1,899 Times in 498 Posts
My Mood:
LoL's: 71
LoL'd at 87 Times in 27 Posts
peaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant future
Help Need advice & help

Hi everyone. I know I'm not new to this at all, but lately I've been worried. Here's my current situation and I didn't know where else to post this. Okay so I got out of school and I got a job working PRN. I make pretty good an hour, but not able to work full time due to my health issues and family health issues and needs.

We are currently trying to buy our house that we've lived in on contract since 2007. The owners want us to try to buy the house as quickly as possible so that they can pay their medical expenses too. I understand that. I am just having a hard time right now. I've not been able to find extremely good coupon deals in my area, I have no more ink to print out any more coupons, and we haven't been purchasing that many newspapers because we couldn't afford it. Even if we did get the papers, there's not that many good coupons lately in there. And we have even went to the dumpster to get more coupons but no luck. I thought maybe by couponing again that we could save money on our grocery bill.

Don't get me wrong we've already saved over 50 percent but not any huge savings. Yes, some is better than none. Also my husband is having surgery, son is having surgery, so I can't pick up more hours at work, and I'm being super mom by taking care of everyone. And on top of all of this, I am having to come up with the down payment on my house in 3 months or less which is about $3,000.00 dollars. And at the same time I am having to pay for my college tuition, even though I am out of school I still owe for that, and my college loans. I have 3 college loans altogether and my daughter has 1.

My daughter has special needs too, so she can't pay the bill, I have to pay the bill, and so that makes 4 college loans. Since I have disable persons living in my home, I am trying to get a KY HOUSING loan for those who have disabilities and buying a home. So far, no luck, they want too much paperwork for me to gather and I don't have help. I am the only one doing it. No one else. I just don't know what to do with all of this. I thought I had a plan, but truth is I didn't have money to spend in the first place on groceries, and so now how can I save to save money when there's no money in the first place?

I have seen people on the extreme couponing show save like 500 dollars, but they know in their heads that they had the 500 to begin with. So they saved on groceries to buy something else. Well, my situation is, I have to pay out lots of bills but the whole family helps out with their checks on most of those except my bills and husbands medical supplies and his medicines which is 300.00 a month not including my bills alone. I only get paid once every 2 weeks and I've been trying to save that money to go toward the down payment on the house. So far I've gotten paid twice and the money I got the first time was all spent on groceries and gas money to get back and forth to work. Now I have the second one and I'm trying so hard not to spend it but I have to pay my bills or I get my credit score whacked, which is not something I need to do if I'm trying to buy it.

I just need a miracle in my finances with groceries, gas, house, medical, paying my bills off. I just don't know what to do. Any suggestions. I can't be at work all the time and be here too, and take people to surgeries and doc appointments plus my health is not great either. I'm getting more stressed out and it's puttiing more strain on my legs and knees. I don't know what to do anymore and I need to go to the docs as well but no money and no insurance. What to do about all of this????

[SIGPIC][/SIGPIC]
Reply With Quote Send a private message to %1$s
The Following 6 Users Say Thank You to peaveysp2g For This Useful Post:
<
  post #2  
Old 09-12-2013, 01:36 PM
couponer100 couponer100 is offline
WUCkie
Trader Feedback: (312), 100%
 
About
Join Date: Jun 2010
Location: Florida
couponer100's YTD Savings: a huge amount
Posts: 12,489
Thanks: 15,045
Thanked 19,181 Times in 7,413 Posts
My Mood:
LoL's: 478
LoL'd at 725 Times in 342 Posts
couponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holiccouponer100 User is a Shop-a-holic
Default

Maybe try a food bank or your Church if they have a food bank?
Reply With Quote Send a private message to %1$s
The Following 4 Users Say Thank You to couponer100 For This Useful Post:
  post #3  
Old 09-12-2013, 01:58 PM
peaveysp2g peaveysp2g is offline
Ann Marie
peaveysp2g's WishList
Trader Feedback: (1), 100%
 
About
Join Date: Aug 2010
Location: North Western Kentucky
Posts: 643
Thanks: 1,781
Thanked 1,899 Times in 498 Posts
My Mood:
LoL's: 71
LoL'd at 87 Times in 27 Posts
peaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant futurepeaveysp2g has a brilliant future
Default

If I could get a home loan without any money down, then I could take the money I have already saved and use that to pay my bills and buy food and put it on the table. I am trying another loan company called USDA which is similar to a FHA loan but without money down and its for people with fair or less than fair credit. I am hoping that it will come through for me.

[SIGPIC][/SIGPIC]
Reply With Quote Send a private message to %1$s
The Following 4 Users Say Thank You to peaveysp2g For This Useful Post:
  post #4  
Old 09-12-2013, 02:04 PM
mothernature's Avatar
mothernature mothernature is offline
Minimalist Stockpiler
Trader Feedback: (1), 100%
 
About
Join Date: Oct 2011
mothernature's YTD Savings: Paying about 90% off!
Posts: 1,040
Thanks: 840
Thanked 4,119 Times in 893 Posts
My Mood:
LoL's: 28
LoL'd at 40 Times in 15 Posts
mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!mothernature User is now a Coupon Princess!
Default

You can not afford to purchase this house. The cost to upkeep the house alone could topple your delicate situation.

You need to take a deep breathe and start to get a plan together. The first question is do you have a budget? This will help you get a clear picture of your finances and see if you can apply for food stamps, food bank, etc.


I would go to freecycle. Ask for the ink cartridges and other things you need. I saved $10 on my sons school supplies by requesting large binders. I shop mostly using IP coupons so I understand your need for ink.
Reply With Quote Send a private message to %1$s
The Following 7 Users Say Thank You to mothernature For This Useful Post:
  post #5  
Old 09-12-2013, 02:39 PM
fidder fidder is offline
WUCkie
Trader Feedback: (31), 100%
 
About
Join Date: Apr 2010
Posts: 2,727
Thanks: 1,425
Thanked 7,032 Times in 2,205 Posts
LoL's: 231
LoL'd at 420 Times in 151 Posts
fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!fidder User has Shopping Skills are revered by many!
Default

Maybe I missed something, but why do you HAVE to buy the house right now? Are you currently renting it? If you are, maybe the owners will allow you to rent a little longer until you can get things a little more stable. I wholeheartedly agree - you can not afford to buy it right now. There will be costs that you haven't even thought of yet that could be the straw that breaks the camels back. If you think it's tough now, foreclosure is now times 10.

OK, at this point, the house is out. Do you qualify for any public assistance? Are you receiving any assistance for those that are disabled? Forget the EC shows - it's TV and made just for that. Focus on buying just the things you need, like meat, dairy and produce first and then coupon for the others if there is money left over. Can you put your student loans on forebearance?

Right now you have an income problem and I think college should be put on a back burner unless it's being covered completely and even then everyone should be working as much as humanly possible to put food on the table. Are dh and ds having elective surgeries or necessary surgeries? Were either due to work and qualify for workman's comp? Just thinking out loud.

I know none of this was what you wanted to hear, but the house is just too much to bite off right now.

I agree with Mothernature - you need a written budget to see exactly where you stand. I would also suggest checking out Dave Ramsey's Total Money Makeover from the library. His advice is very common sense and he has worksheets in the book that will help.
Reply With Quote Send a private message to %1$s
The Following 6 Users Say Thank You to fidder For This Useful Post:
  post #6  
Old 09-12-2013, 03:11 PM
Roxykitty Roxykitty is offline
Expert Couponer!
Roxykitty's WishList
Trader Feedback: (350), 99%
 
About
Join Date: Mar 2011
Location: Tennessee
Roxykitty's YTD Savings: $737.00
Posts: 4,693
Thanks: 5,719
Thanked 9,468 Times in 3,116 Posts
My Mood:
LoL's: 522
LoL'd at 746 Times in 231 Posts
Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!Roxykitty User has Shopping Skills are revered by many!
Default

I agree with the other posters, please do not attempt to purchase a home now. Don't let the owners' needs have any impact on your thinking process. Focus on your own family for now. Things will get better. I have student loans in forebearance. One simple phone call will postpone that debt. Next, forget about EC. Just like fidder said, that's TV land. Just save wherever you can. Get the surgeries for your family members and take care of your own health.
Apply for any and every job you can find. Also, apply for assistance. There are agencies that help with food, maybe even help you plan a budget. See what's out there. Don't give up!

married to Philip
(wish I was this cute in rollers!)

Children: Megan
Dusty and his wife, Robin
Reply With Quote Send a private message to %1$s
The Following 5 Users Say Thank You to Roxykitty For This Useful Post:
  post #7  
Old 09-13-2013, 01:24 AM
LISHA LISHA is online now
WUCkie
LISHA's WishList
Trader Feedback: (102), 100%
 
About
Join Date: Apr 2011
Posts: 3,714
Thanks: 2,178
Thanked 5,429 Times in 1,851 Posts
My Mood:
LoL's: 115
LoL'd at 211 Times in 77 Posts
LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!LISHA User is a Coupon Queen!
Default

If many in ur household are disabled, they should be eligible for social Security, check it out. You didn't mention ur son's age, but if he is not on ur medical plan would he qualify for Medicaid or Medicare? It may be worth the time to call a local agency and see if they provide free assistance in helping you to apply for programs for which you and ur loved ones sy qualify. Like the others stated, student loans in forebearance. Unless it would cost more to rent than to buy the house ur currently living in, I would see about moving. There are those additional costs (and burdens) the landlords pay that you would have to in order to maintain the house. I am sending positive vibes ur way!
Reply With Quote Send a private message to %1$s
The Following 4 Users Say Thank You to LISHA For This Useful Post:
  post #8  
Old 09-13-2013, 08:44 AM
gooberhoney gooberhoney is offline
WUCkie
Trader Feedback: (43), 100%
 
About
Join Date: Feb 2011
Posts: 3,618
Thanks: 2,382
Thanked 11,795 Times in 3,184 Posts
My Mood:
LoL's: 248
LoL'd at 264 Times in 129 Posts
gooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holicgooberhoney User is a Shop-a-holic
Default

While you're interested to buy the home you're renting right now, do NOT get pressured to buy it since you cannot afford it. Is the landlord giving you an ultimatum that if you don't buy it, you have to leave? If not, then just keep your current contract and as hard as it is, try to make more money to fulfill your obligations. If the landlord is pressuring you to buy it, try to explain that as much as you want to, you can't. Let them know that they're better off with your renting and they have a steady flow of income coming; if you leave, they are not assured their home will sell quickly and they may lose income for an indefinite period of time.

If you haven't applied for all welfare assistance that you qualify for, do it now.
Reply With Quote Send a private message to %1$s
The Following 4 Users Say Thank You to gooberhoney For This Useful Post:
  post #9  
Old 09-13-2013, 09:30 AM
erwlovescoupons's Avatar
erwlovescoupons erwlovescoupons is offline
WUCkie
Trader Feedback: (32), 100%
 
About
Join Date: Dec 2011
Location: West Tx Area
Posts: 2,764
Thanks: 1,200
Thanked 6,604 Times in 2,131 Posts
LoL's: 0
LoL'd at 72 Times in 41 Posts
erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!erwlovescoupons User is a Coupon Queen!
Default

Just my 2&hellip; Try Lending Tree as far as the home loan goes if you REALLY want to purchase the house & don't have another option ... I went thru them several yrs ago & my down payment was the same amount I was paying for rent with Home Owners Insurance included. BUT do NOT take on any addl finances, as others stated, you are def in a financial pickle right now... Try different assistance programs for food & bills. Also talk to the medical folks & see about setting up a payment plan. I would also check into the Social Security ... I know it's hard to ask for help but sometimes you just have to in order to stay afloat ... Wishing you & your family the best!
Reply With Quote Send a private message to %1$s
The Following 3 Users Say Thank You to erwlovescoupons For This Useful Post:
  post #10  
Old 09-13-2013, 10:03 AM
Dee Bee Dee Bee is offline
LUCKY 2 B N KENTUCKY!
Trader Feedback: (32), 100%
 
About
Join Date: Apr 2011
Location: Kentucky
Dee Bee's YTD Savings: Stockpile FULL
Posts: 3,559
Thanks: 7,423
Thanked 11,916 Times in 3,058 Posts
My Mood:
LoL's: 562
LoL'd at 1,015 Times in 332 Posts
Dee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holicDee Bee User is a Shop-a-holic
Default

I would talk to a qualified, Kentucky disability attorney asap. They can give you advise on apply for
SSA for yr family. first applications are always turned down, then the applicant has a right to appeal, do the appeal and then it gets approved depending on individual circumstances.
Get appointment with Kentucky Housing to help provide assistance with home or rent situation - it may be a few hours off work, but it is better to take a few hours to make plans ahead, rather than be faced with uncertainty. Contact every food pantry in yr Kentucky area... Dare to care, Kentucky Second Harvest, local grocery stores. Many local grocers will give, throw away/ perfectly good food that is a day old.. not considered fresh by grocer company standards. Although overwhelming, seems like time and planning are a luxury out of grasp, when a action plan is what is needed most.
Make phone calls to local utility for assistance on utility bills- in Louisville, the program is called LiHeap, the KY energy assistance program.
Can you take in a local college or nursing students to rent a room and pay boarding? they could help you provide medical assistance to your family, housekeeping, help with preparing meals. In exchange, the students gets hands on experience, job training and a good home environment.
You get the extra income to help with buying groceries. as the old saying goes 2 can eat cheaper than one. Are you allowed to have gardening space? Dollar General sells off veggie seed end of season for a penny to nine cents a pack.
First, I would speak to the Landlord and ask them for more time if you want to buy the home. Chances are, with the economy here in Kentucky the house will not sell right away... I agree with other posters, more benefit to landlord to have a paying renter than an empty house than does not sell. Look into other rental properties as well. If you get the college students to come help - you may be able to have another home at a place and timing of Your Own Choosing. Not be pressured by Landlords to buy now - or else. My heart goes out to you & your family. Sending Prayers for the Lord to guide you and be at your side.

Shhhh! Be va-wee, va-wee quiet. Dee is shopping for bargains!


Lucky 2 B A Wuckie!
Reply With Quote Send a private message to %1$s
The Following 4 Users Say Thank You to Dee Bee For This Useful Post:
Reply

Tags
advice

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump