Okay. I'm going to say in the beginning now that I really don't want criticism... I know that the majority of people on here look down on parents who receive state assistance/welfare/etc... I KNOW that. But Google didn't answer my questions and I have nowhere else to turn to to ask questions like this to such a broad audience.
And yes this is disgustingly long lol.
DH and I were doing okay financially last year. We live in half of my parents' house... We were on WIC and state health (his employer didn't offer insurance) and eventually food stamps since we prepare our food separately from my parents. I already felt guilty enough about receiving THAT assistance. We have two kids, one of which was born in November. Well, as soon as he was born, our financial situation completely went to shit basically. Three weeks after I gave birth, he got laid off. His boss gave him no reason at all really, just said it "wasn't working out for the company" despite my husband working 7 days a week for this guy for MONTHS straight...going literally 2 months without a day off because his boss really needed the help. My mom had to pay for the Christmas presents for our kids... it was embarrassing... we applied for unemployment... but it's fucked up in this state. Called up to 30 times a day and never got through to a human and every time the automated system picked up it said to call later because the call volume was too high. So we were living on nothing for months, borrowing money from my mom for gas and diapers and job hunting like crazy. Our bills got backed up BADLY. Then eventually we got a lump sum payment from unemployment but it was only enough to cover our past due bills, nothing current. Then my husband luckily found a job after applying to 30+ places. 30-40 hours a week making only 9$/hr (and trust me hes still looking for a part time job or a better full time one). Now, my parents are losing grip of their finances and have to downsize... we cant stay with them anymore... we need to be on our own, but my husband makes $1100 a MONTH!!! Just barely enough to cover the bills we have. Tomorrow I am cutting our phone plan back, my student loans are going on economic deferrment, but there's still credit card debt, car payment, car insurance, necessities... So we are going to have to apply for section 8 housing. Here we would have to pay a minimum of 30% of our rent a month, so thats like $300. What do we do if, at the end of the month, WE DONT HAVE THAT? Let alone money for oil... heat... electric... etc? Do we go on welfare too? WTF. I feel like a complete and total deadbeat. DH is looking hard for other jobs but nothing is coming up. And I could work part time but we'd have to get the state child care (if its even available because last time I checked it was backed up), and even then I have almost no job experience and the same amount of education as him, so if they're not hiring him I doubt they'd hire me. If we go on welfare, don't they make you both looking for jobs every week? I wanted to go back to school online so I could get a degree and eventually dig us out of this shit but will they let me do that instead of work or will I have to do both? But I have to get a handle on this because in a few months we could be homeless.
Ugh. Any advice or answers or experience will help me right now... I don't know what to do.
I really don't have any advice and have no experience with the welfare system, but I just wanted to say that the majority of the people on this site don't look down on people who receive government assistance... and most of them receive or have received benefits in the past. Of course there are a few who live on sky-high pedestals, but you know, just gotta let it roll off your back!
Have you thought about filing for bankruptcy? that would make all your bills go away so you could focus on food/rent/stuff for the kids.
I don't think you can receive welfare if he is making 1100 but if you can they will require him to spend a certain number of hours that he's not working to look for a better job and then you will have to spend 20 hours a week looking for a job. They cover child care for those hours. At least that's how it works here. I'm not sure about section 8 because the wait list here is 7 years.
Dont feel bad mama! You are doing what you can for your family. That's why those resources are there.
assistance was made for whe you need help and you need help right now dont feel bad you use til you get back on your feet i did when i was pregnant with my DD and when i returned to work and got back on my feet i told them thanks i dont need it anymore the only thing i recieve now is wic for my DD
Quoting Big D!:" I don't think you can receive welfare if he is making 1100 but if you can they will require him to spend ... [snip!] ... care for those hours. At least that's how it works here. I'm not sure about section 8 because the wait list here is 7 years."
Really? 1100 is a lot where you live? Here, a 2 bedroom appt with no utilities is about 1000...
Do you live in RI? Because if so you are SOL, section 8 waiting list is like 3-4 years long. Even higher in some cities.
Also, I doubt your going to qualify for much more than you get while your husband is making $1100 a month.
Quoting ashley noel [gav's here!]:" Really? 1100 is a lot where you live? Here, a 2 bedroom appt with no utilities is about 1000..."
Here, $1,100 rent would get you a five bedroom luxury condo or even a huge house. We have a 2 bedroom + all utilities for only $500.
I wish I had some advice on how those programs worked. Good luck!
I would probably apply for all the assistance I could get. Look for a part time job, even in the evening or opposite of DHs shifts. Even if it's just working retail or fast food for a while. Unless you want to go to school for something you know you can get a job with right away that pays well I wouldn't put myself in more debt to go back.
Quoting Carter&Violet♥:" Have you thought about filing for bankruptcy? that would make all your bills go away so you could focus on food/rent/stuff for the kids."
Well its not a lot of credit card debt. Id like to avoid bankruptcy
Section 8 can have a wait list up to 3 years, so honestly don't count on getting it. I would get a job that works opposite shift of your SO and try to make ends meet. Each states varies on cash assistance, but I think you probably already make to much.
Quoting ashley noel [gav's here!]:" Okay. I'm going to say in the beginning now that I really don't want criticism... I know that the majority ... [snip!] ... a few months we could be homeless. Ugh. Any advice or answers or experience will help me right now... I don't know what to do."
Here, when I was on tanf (cash assistance), I could either be in school or doing workshops, which is volunteering or working with people building a resume, etc.
I'm off that now but I still recieve food stamps atm and will be on wic soon. I'm not ashamed or look down on people as long as they're taking care of their children, not trading food stamps for cash for alcohol, drugs, etc.. and all that.
Quoting CerealMakerWife♥:" I would probably apply for all the assistance I could get. Look for a part time job, even in the evening ... [snip!] ... school for something you know you can get a job with right away that pays well I wouldn't put myself in more debt to go back."
Yeah I wanna go for nursing even though its the last thing Id want as a career... because there are always places looking for CNAs