advertisement
Reply
Thread Tools Display Modes
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 15, 2024 at 11:28 AM
  #21
Quote:
Originally Posted by unaluna View Post
Did you read my post? How are you allocating your remaining $1200? You could be spending 600 towards other expenses, and 600 towards food.


I dont understand your hostility towards me. I put more than half of my social security towards rent, utilities, and health insurance. I dont have a car or cable tv, i take the bus or uber, and have an old fashioned antenna plus amazon prime for movies. I understand you may need a car for your job, but insurance, gasoline, and payments can be very expensive relative to your income.


I eat canned fish, canned beans, canned veg and oatmeal. There are low-sodium options for these. If you can be more specific about your food restrictions, or what you can eat, maybe we can offer better advice.


Again, not really sure what you are asking. The math adds up for the rent portion. Have you ever written up a monthly budget to see where your money goes? Lots of google help available.
Maybe that's what I need is a budget.
Also everything from Belmont is figured with gross pay so it seems as if I have more money.

I don't mean to be hostile.

I just don't know how people do it. Especially single people. And now, with diet restrictions, it's even harder. And as I said, food pantries near me don't offer fresh foods.

My hope is that I get well enough, mentally, to work full time.

"I understand you may need a car for your job, but insurance, gasoline, and payments can be very expensive relative to your income."

This makes the most sense as to where my money is going.

Apologies. I just don't understand all the math. And I don't know what to do.

Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
 
Hugs from:
unaluna
 
Thanks for this!
unaluna

advertisement
unaluna
Elder Harridan x-hankster
 
unaluna's Avatar
 
Member Since Jun 2011
Location: Milan/Michigan
Posts: 40,084 (SuperPoster!)
12
66.8k hugs
given
PC PoohBah!
Default May 15, 2024 at 01:24 PM
  #22
Maybe your worker can give you some budgeting help. I tried to list out some possible expenses in my posts, but you did not really respond to them, except for vaguely agreeing with the car stuff.

Do you use cash or a debit/credit card or checks? The last two give you a record of where your money went. For cash, some people find it helpful to keep a little notebook and write down everything they spend. You can try to figure out where you spent money in the last week or month, or just keep track going forward.
unaluna is online now   Reply With QuoteReply With Quote
 
Thanks for this!
Molinit
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 15, 2024 at 02:29 PM
  #23
I do appreciate the help
I see that they are looking at my gross income, so that's partly where the money goes.

Phone - $100
Electric -$50
Car insurance -$179
Rent - $504
Internet - $60
Gas (car)- $85
Food -$400
Renters insurance -$13
‐-----------------------------$1391

My net pay is $1400/mo
So on paper, it looks like I'm left with $9 after all expenses.
But it never works out that way.

I don't go out to eat. Or to the movies. I pay with my debit card.

Another issue is that after playing catch up from the month before, when the first comes. I need to have $504 rent & $179 car insurance, and I only bring home $350/week.

Oh yea, I didn't even budget laundry. Because I can't afford it unless I pay less on something else.

Still haven't paid my phone bill this month either



Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
unaluna
Elder Harridan x-hankster
 
unaluna's Avatar
 
Member Since Jun 2011
Location: Milan/Michigan
Posts: 40,084 (SuperPoster!)
12
66.8k hugs
given
PC PoohBah!
Default May 15, 2024 at 02:45 PM
  #24
Do you usually get a big tax refund? Because yeah the difference between your gross and net is pretty high. You shouldnt really be paying much in taxes, if at all, except for FICA (social security). You can check how many deductions you are taking with payroll. Its like youre missing 400 a month?

If you want to pm me to discuss food.

Also, theres a MSF kind of one time community chest grant of i think $500 that you can apply for here to help get you over the hump
unaluna is online now   Reply With QuoteReply With Quote
 
Thanks for this!
DeeeSchmeee68
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 15, 2024 at 05:50 PM
  #25
I really appreciate you taking the time to I work 24 hours a week at
$17/hr
Gross $408 Net $350
There are some weeks that I get more hours when someone goes on vacation.

This is a new job to me so I haven't collected a tax return.I was told you can't claim 1 or 0 only single or married.They change the w4


Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
 
Hugs from:
unaluna
unaluna
Elder Harridan x-hankster
 
unaluna's Avatar
 
Member Since Jun 2011
Location: Milan/Michigan
Posts: 40,084 (SuperPoster!)
12
66.8k hugs
given
PC PoohBah!
Default May 15, 2024 at 09:14 PM
  #26
So 4 times a year you should get paid for 5 weeks, not 4, so that should help a little.
unaluna is online now   Reply With QuoteReply With Quote
 
Thanks for this!
DeeeSchmeee68
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 16, 2024 at 05:50 AM
  #27
I'm really hoping to get well enough to work full time.
I also found a food pantry that has frozen meat, fish and paper products.

I appreciate all your help. Truly Can anyone explain this to me please?

Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
unaluna
Elder Harridan x-hankster
 
unaluna's Avatar
 
Member Since Jun 2011
Location: Milan/Michigan
Posts: 40,084 (SuperPoster!)
12
66.8k hugs
given
PC PoohBah!
Default May 16, 2024 at 08:17 AM
  #28
Dee, thats fantastic!

I always see these youtube pantry hauls where the people get these like 2 pound bags of walnuts and im like, thats gold right there!
unaluna is online now   Reply With QuoteReply With Quote
 
Thanks for this!
DeeeSchmeee68
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 16, 2024 at 10:45 AM
  #29
Quote:
Originally Posted by unaluna View Post
Dee, thats fantastic!


I always see these youtube pantry hauls where the people get these like 2 pound bags of walnuts and im like, thats gold right there!
Thank you!
They also had some clothes for me and toiletries!!

Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
 
Hugs from:
unaluna
 
Thanks for this!
unaluna
Nammu
Crone
 
Nammu's Avatar
 
Member Since May 2010
Location: Some where between my inner mind and the solar system.
Posts: 71,788 (SuperPoster!)
14
53.9k hugs
given
PC PoohBah!
Default May 16, 2024 at 12:41 PM
  #30
My daughter helped start a new kind of pantry. They have fresh fruit and veggies. People can take as much as they want of that but thereís a limit on the meat. They are open once a week. And go though so many pounds of food. But thatís only in one town. I donít even know if there a food panty here. There is something called Rubyís pantry thatís once a month. You pay $25 and get a ton of healthy food. I did it twice but mom and I couldnít eat all the food before it went bad. Three bunches of romaine, frozen vegetables fresh veggies, fish, soo much food. Definitely worth the $25. But too much for 2 older women who donít eat much. I remember we got three gallons of chocolate milk. I gave that to my grandkids. There was processed food too. Now Iím alone and donít eat much. I havenít looked to see what there might be. But when I lived in Austin, tx they had many pantryís many that gave out fresh vegetables and frozen meat. Eggs too. I think it depends on where youíre located though.

__________________
Nammu
ÖBeyond a wholesome discipline, be gentle with yourself. You are a child of the universe no less than the trees and the stars; you have a right to be here. Ö...
Desiderata Max Ehrmann



Nammu is offline   Reply With QuoteReply With Quote
 
Thanks for this!
DeeeSchmeee68, unaluna
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 16, 2024 at 08:25 PM
  #31
Quote:
Originally Posted by Nammu View Post
My daughter helped start a new kind of pantry. They have fresh fruit and veggies. People can take as much as they want of that but thereís a limit on the meat. They are open once a week. And go though so many pounds of food. But thatís only in one town. I donít even know if there a food panty here. There is something called Rubyís pantry thatís once a month. You pay $25 and get a ton of healthy food. I did it twice but mom and I couldnít eat all the food before it went bad. Three bunches of romaine, frozen vegetables fresh veggies, fish, soo much food. Definitely worth the $25. But too much for 2 older women who donít eat much. I remember we got three gallons of chocolate milk. I gave that to my grandkids. There was processed food too. Now Iím alone and donít eat much. I havenít looked to see what there might be. But when I lived in Austin, tx they had many pantryís many that gave out fresh vegetables and frozen meat. Eggs too. I think it depends on where youíre located though.
That's really amazing!
And if you've ever seen what grocery stores throw away its so wasteful.

Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
SquarePegGuy
Member
 
SquarePegGuy's Avatar
 
Member Since Mar 2020
Location: Northeastern USA
Posts: 458
4
63 hugs
given
Default May 17, 2024 at 09:42 PM
  #32
Quote:
Originally Posted by DeeeSchmeee68 View Post
I do appreciate the help
I see that they are looking at my gross income, so that's partly where the money goes.

Phone - $100
Electric -$50
Car insurance -$179
Rent - $504
Internet - $60
Gas (car)- $85
Food -$400
Renters insurance -$13
‐-----------------------------$1391

My net pay is $1400/mo
So on paper, it looks like I'm left with $9 after all expenses.
But it never works out that way.

I don't go out to eat. Or to the movies. I pay with my debit card.
-snip-
I read this last night and have been thinking about it on and off today.

First, I wonder if your bank is charging fees. I once misplaced my checkbook when it was time to pay the student loan, so I used the bank's electronic Bill Pay feature. The next time I looked at my list of transactions, I noticed that the bank charged a 13% fee for that payment!

All your monthly expenses are much lower than mine except for gas and car insurance. Is carpooling an option at all? Can you start driving right after starting the engine (as opposed to using a remote start to get the cabin to a moderate temperature)? Can you try "hypermiling" where you change your driving habits to increase gas mileage?

Car insurance may be out of your control. Rates vary depending on the type of car and where it's "garaged." But I wanted to mention that you pay more than I pay for two cars (although I bundle it with home insurance, and I live in a very low-crime area.)

Anyway, housing makes me mad. The root of this situation is greed. There are investors who pay into REIT (Real Estate Investment Trusts) to profit from housing. It's true that money to build new housing needs to come from somewhere. But in some cases, housing construction (or renovation) is funded by government programs, yet it's the investors who benefit from it.

__________________
Major Depressive Disorder; Sleep Apnea; possibly on the spectrum
Nuvigil 50mg; Effexor 37.5mg; meds for blood pressure & cholesterol
SquarePegGuy is offline   Reply With QuoteReply With Quote
 
Thanks for this!
DeeeSchmeee68, unaluna
DeeeSchmeee68
Member
 
DeeeSchmeee68's Avatar
 
Member Since Dec 2022
Location: New York State
Posts: 304
1
15 hugs
given
Default May 18, 2024 at 07:02 AM
  #33
Thank you for responding!

My banks do not charge fees. I made sure to select that option.

My car insurance is so high because I was without a car/insurance for over 6 months so now I'm in the risk pool.

Then I bought a 2010 hyundai sonata without realizing those were the ones people are stealing!! So I struggled to even find insurance.

No remote start. No car pool. I work part-time also in a weird neighborhood. I could take a bus but there's a 20 min walk to the bus stop and the road to get there has no sidewalk. Plus I have arthritis. And it's probably just as much as I spend in gas anyway.

My thinking is that my housing assistance calculations are wonky. They use gross not net so it looks like I make more than I actually take home.

This week I'm going to ask our new boss ( our credit union just merged) if I can work full time now. If not, then I need to get a part time job.

I've also thought about donating plasma for $

That was kind of you to reply Can anyone explain this to me please?

Sent from my SM-A146U using Tapatalk
DeeeSchmeee68 is offline   Reply With QuoteReply With Quote
 
Hugs from:
unaluna
SquarePegGuy
Member
 
SquarePegGuy's Avatar
 
Member Since Mar 2020
Location: Northeastern USA
Posts: 458
4
63 hugs
given
Default May 18, 2024 at 07:52 PM
  #34
I wish you the best of luck!

__________________
Major Depressive Disorder; Sleep Apnea; possibly on the spectrum
Nuvigil 50mg; Effexor 37.5mg; meds for blood pressure & cholesterol
SquarePegGuy is offline   Reply With QuoteReply With Quote
 
Thanks for this!
DeeeSchmeee68
Reply

Thread Tools
Display Modes


Similar Threads
Thread Thread Starter Forum Replies Last Post
Explain this fingers1 Bipolar 3 Jan 25, 2015 05:09 AM
Can someone explain this to me please? ImNotHere Borderline Personality Disorder 6 Mar 04, 2014 09:22 AM
can someone explain to me newtus Schizophrenia and Psychosis 5 Aug 12, 2013 09:14 AM
How Do i Explain It Troy Combat PTSD 10 May 30, 2011 12:05 AM


All times are GMT -5. The time now is 01:32 PM.
Powered by vBulletin® — Copyright © 2000 - 2024, Jelsoft Enterprises Ltd.



 

My Support Forums

My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.

 

Helplines and Lifelines

The material on this site is for informational purposes only, and is not a substitute for medical advice, diagnosis or treatment provided by a qualified health care provider.

Always consult your doctor or mental health professional before trying anything you read here.