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Worked full time and lived within a budget

Posted: Fri Mar 06, 2020 1:26 pm
by Deric steward
Hello, my name is Dreci Steward. I am a single mother of an eleven-year-old boy, his name is Jonathon, and he is a 6th grader at Madison Middle School. He is the absolute joy of my life. We have been on our own for a few years now, and I have always made it work as we budgeted and live within our means.
I have never received child support, or any kind of support. I have always worked full time, even working two jobs when necessary to save money and keep my son happy. I have been determined to be and show my son a strong, independent, hard-working, faithful mother who stresses financial literacy skills and buying needs only   Recently, I lost my job and have been applying for work non-stop, but I have not had any luck finding permanent or full-time work and our expenses are down, but we struggle to budget with less income. I have always been able to budget and save and take care of us, but after losing my job and having no income coming in, things snowballed quickly- and it has now come to the point of us being evicted if I cannot come up with the past due rent amount I owe, not to mention I received a cut off notice from NES today as well.
I was raised by my grandmother in Nashville who taught me frugality, and she passed when I was 15, so I have no family to turn to or ask for financial help or advice. I have never had to ask for help like this before, but I do not want my son to see or know the worry and fear that I have within me every day- that we are losing the roof over our heads.
I have multiple interviews lined up in the next few weeks and I have faith that I will be back to work and be able to take care of us again but living paycheck to paycheck. I am a hard worker, and I am intelligent- I am asking for help and I am more than willing to come work at your organization and/or pay back any help that may be offered to us. I just need a chance to get back on my feet and turn my financial situation around.
I want to be able to help others learn about money and living within means, not have to ask for help. I am so close to losing everything- if there is any way possible that we may qualify for assistance, please know that we will be eternally grateful and will not only pay it back but pay it forward as well- any financial literacy help would change the outcome of our life right now.
We have lived at Hickory Chase Apartments for the past 7 months - Please feel free to contact me if I can answer any questions or concerns or do anything at all that may grant this prayer/ miracle that I am begging for. Thank you for taking the time to read this, I appreciate any consideration that my request may be given. Thank you again,

Re: Worked full time and lived within a budget

Posted: Fri Mar 06, 2020 1:30 pm
by admin
Hi Deric,
That is great what you have been doing for your son Jonathon. You have set a great example and you should be proud. It is not easy to teach a kid financial literacy and how to live within their means, especially as a single mom with no child or emotional support. A hard working single mom is great, and you are setting a good example.
Living check to check can be difficult. Maybe look for freelance or gig jobs on freelancer.com and look for other ways to save using coupons.com or smartphone apps. All of those steps are part of the financial literacy process.

Deric steward wrote:
Fri Mar 06, 2020 1:26 pm
Hello, my name is Deric Steward. I am a single mother of an eleven-year-old boy, his name is Jonathon, and he is a 6th grader at Madison Middle School. He is the absolute joy of my life. We have been on our own for a few years now, and I have always made it work as we budgeted and live within our means.
I have never received child support, or any kind of support. I have always worked full time, even working two jobs when necessary to save money and keep my son happy. I have been determined to be and show my son a strong, independent, hard-working, faithful mother who stresses financial literacy skills and buying needs only   Recently, I lost my job and have been applying for work non-stop, but I have not had any luck finding permanent or full-time work and our expenses are down, but we struggle to budget with less income. I have always been able to budget and save and take care of us, but after losing my job and having no income coming in, things snowballed quickly- and it has now come to the point of us being evicted if I cannot come up with the past due rent amount I owe, not to mention I received a cut off notice from NES today as well.
I was raised by my grandmother in Nashville who taught me frugality, and she passed when I was 15, so I have no family to turn to or ask for financial help or advice. I have never had to ask for help like this before, but I do not want my son to see or know the worry and fear that I have within me every day- that we are losing the roof over our heads.
I have multiple interviews lined up in the next few weeks and I have faith that I will be back to work and be able to take care of us again but living paycheck to paycheck. I am a hard worker, and I am intelligent- I am asking for help and I am more than willing to come work at your organization and/or pay back any help that may be offered to us. I just need a chance to get back on my feet and turn my financial situation around.
I want to be able to help others learn about money and living within means, not have to ask for help. I am so close to losing everything- if there is any way possible that we may qualify for assistance, please know that we will be eternally grateful and will not only pay it back but pay it forward as well- any financial literacy help would change the outcome of our life right now.
We have lived at Hickory Chase Apartments for the past 7 months - Please feel free to contact me if I can answer any questions or concerns or do anything at all that may grant this prayer/ miracle that I am begging for. Thank you for taking the time to read this, I appreciate any consideration that my request may be given. Thank you again,

Re: Worked full time and lived within a budget

Posted: Sat Mar 07, 2020 4:01 pm
by Brianna Smith
Good afternoon,
My name is Brianna Smith and I am trying to find out information or be pointed in the correct direction to get assistance as I no longer work full time. I have been disabled since 2002, receiving a monthly Social Security Disability Income and living on a strict monthly budget. I used that monthly payment, to directly pay my rent. The only other income I get is court ordered child support, supposed to be $158 weekly and that is hard to budget with so little money. However, that is not guaranteed and when I do receive any child support, the amount is also not guaranteed and not always the full amount when I do get any. But what I do receive, I try to use for electric, water, household needs, hygiene/toiletry items etc expenses, as I learned from financial literacy that those are the key bills to pay and budget for.
My current issue is I had a disability review that I had to request to be reconsidered once I lost my full time job. I sent it the request to have my benefits continued during the time it takes them to complete the reconsideration, and I did so within the 10 days they said was required. But I have just learned that my benefits were not authorized for continuing during the reconsideration that is still in process. So, the benefits I was expecting to arrive around December 3rd, for me to then use to pay my rent, are not coming. My entire budget will be destroyed.
So, I will have no way to pay my rent for myself, my 3 children and baby granddaughter. We already were upset that we can't have a Christmas because of financial restraints, so losing our home that I have made sure we kept for over a year, will be devastating.
We do not have family to ask for help as I lost my brother to an illness 5 year ago, and recently lost my father last Christmas eve and only learned of that by a state of Maine police officer finding him and notifying me.
My mother, who taught me nothing about financial literacy, is estranged from us be of her addiction problems and long history of abuse to us. So, I have been searching for emergency help, so we won't be evicted. I looked online and found a site that listed several places to request financial literacy as well as financial help, and that is how I found your information. So, can you tell me how to get help on budgeting as well as other funds f you provide that kind of help? Or if not, can you tell me someone who can? I appreciate your time as well as the financial advice, and sorry for the lengthy email.
Thank you,

Re: Worked full time and lived within a budget

Posted: Sat Mar 07, 2020 4:08 pm
by admin
Hi Brianna
Yes, living on $158 month is not enough to live on. No budget can account for that.
If your partner is not paying court ordered child support, then appeal it/sue him, etc. While that can be costly, there is free legal aid. The main number to call for referrals is 202-295-1500, and that is the Legal Services Corporation.
But you do need more money/income. When it comes to your budget, as you said give priority to those needs of food, shelter, medical. Then budget for any other basic necessities you have. But on that income you will not be able to pay for any "Wants" as per financial literacy process.
The Social Security Disability office does allow appeals. Call 1-800-772-1213. Go through your situation. Ask for help. Tell them your story. Then, unfortunately your mom did not teach you financial literacy skills - but it is never too late to start.
Brianna Smith wrote:
Sat Mar 07, 2020 4:01 pm
Good afternoon,
My name is Brianna Smith and I am trying to find out information or be pointed in the correct direction to get assistance as I no longer work full time. I have been disabled since 2002, receiving a monthly Social Security Disability Income and living on a strict monthly budget. I used that monthly payment, to directly pay my rent. The only other income I get is court ordered child support, supposed to be $158 weekly and that is hard to budget with so little money.

Re: Worked full time and lived within a budget

Posted: Wed Mar 11, 2020 11:34 am
by parmealya oyewole
Where does fairness factor in to this Brianna? And the trust between government and the people? I have paid into the system for 45 years and counting, every single paycheck and people should get social security disability to live on. In return I have been told that I will receive a certain payout which can allow me to keep my expenses with my budget, calculated according to a certain formula. I consider that to be a social contract and a sacred promise from the government that I have loyally supported for my entire life.
Yes, I do believe that I am entitled to the SS payouts that I have been promised -- that's because I have upheld my end of the bargain, and I expect my government to uphold its end.

Re: Worked full time and lived within a budget

Posted: Fri Mar 13, 2020 1:43 pm
by admin
For those that do not know (Parmealya?) the federal government is running a trillion dollar ANNUAL budget deficit. The TOTAL national debt is over 23 trillion dollars. Benefits, like social security, Medicaid, Mediare, etc. make up 75% of the annual government spending. There is no way for this to continue over the next 10s of years...spending is out of control, and most of the spending is from benefit programs. Something needs to give.
So you write " entitled to the SS payouts that I have been promised ", we agree with the concept, but the numbers just don't support that. Time will tell what happens with the future budget and spending.
parmealya oyewole wrote:
Wed Mar 11, 2020 11:34 am
Where does fairness factor in to this Brianna? And the trust between government and the people? I have paid into the system for 45 years and counting, every single paycheck and people should get social security disability to live on. In return I have been told that I will receive a certain payout which can allow me to keep my expenses with my budget, calculated according to a certain formula. I consider that to be a social contract and a sacred promise from the government that I have loyally supported for my entire life.
Yes, I do believe that I am entitled to the SS payouts that I have been promised -- that's because I have upheld my end of the bargain, and I expect my government to uphold its end.

Re: Worked full time and lived within a budget

Posted: Sun Mar 15, 2020 9:41 am
by jackie beavers
Isn't this the story of America - people working and can't get ahead no matter how hard they work.

Re: Worked full time and lived within a budget

Posted: Fri Mar 27, 2020 11:23 am
by admin
This is why it is so important to pay yourself first. That way, no matter what happens in the future, you have something to your name. https://www.needhelppayingbills.com/Fin ... elf-first/