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Post by kinetickid on Jan 27, 2011 2:42:19 GMT -5
Personal -$90.00 - I'm not sure what this entails, but start reading some couponing blogs, get your personal care items for free. At Rite aid this week you can get three 4-roll packs of toilet paper free after rite aid rewards. Start there, then work on getting shampoo, conditioner, body lotion, soap, toothpaste for free. You can also get your household cleaning supplies for pennies on the dollar I've gotten toothpaste and a few other items free, but how does one get sunscreen (which I consider a necessity, by the way...minimum 30 SPF, broad spectrum), OB tampons (I can't do Tampax and their ilk...way too uncomfortable), replacement razor blades for my "shaving system," etc. for free? 'Cause if there's a way to do it, I'd love to know.
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Post by kinetickid on Jan 27, 2011 2:53:36 GMT -5
Whether or not we choose to buy a $5.00 bottle of shampoo is irrelevant; but for many of us, including myself, that fact that I could not buy a bottle of $5.00 shampoo because I didn't have enough money for that small item would be close to rock bottom.
CleanSlate needs a little time to process the information and suggestions given her. Of course she is going to be hesitant to cut cable and haircuts... but I bet if you gave her a chance, she would take these suggestions and come up with a viable plan. Who knows, she may think about it awhile and decide that the cable has got to go. But, if she feels that she is being attacked, she is going to do what other posters have done and retreat, feeling bullied and rejected...
Put yourself in her position... how would you feel being publicly told that you were dragging your parents through the mud and ruining their credit? Humiliated, hurt and embarrassed maybe? CleanSlate has essentially bared her financial soul to us and she deserves a little respect... The fact is that she finds the $5.00 to spend on shampoo, so she is choosing to buy it. And that isn't the big issue anyway, there are much larger areas where she can and should cut back. If she cuts out those areas (cable, dining out, haircuts) then the $5.00 won't be near as much of an issue. To me, it's getting rid of her CAR, and not cable TV or shampoo, that would free up the largest chunk of money for debt repayment. If I were her, I'd get rid of the car payment PRONTO.
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Frugal Nurse
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Post by Frugal Nurse on Jan 27, 2011 7:59:09 GMT -5
Personal -$90.00 - I'm not sure what this entails, but start reading some couponing blogs, get your personal care items for free. At Rite aid this week you can get three 4-roll packs of toilet paper free after rite aid rewards. Start there, then work on getting shampoo, conditioner, body lotion, soap, toothpaste for free. You can also get your household cleaning supplies for pennies on the dollar I've gotten toothpaste and a few other items free, but how does one get sunscreen (which I consider a necessity, by the way...minimum 30 SPF, broad spectrum), OB tampons (I can't do Tampax and their ilk...way too uncomfortable), replacement razor blades for my "shaving system," etc. for free? 'Cause if there's a way to do it, I'd love to know. It can be done. Sunscreen is a seasonal item, so the good sales on it probably won't crop back up until springtime. When they come around, combine them with coupons and store rewards, and stock up! I don't use OB Tampons, I'm a Playtex girl myself. I agree, Tampax just doesn't feel right! Again, wait for the sales to come around (usually every couple of months) and stock up with a combined sale/coupon/store reward. Replacement blades for you razor probably won't be free. Usually it is the whole razor system (typically a razor and 2 blades) or disposable razors that are free after coupons/sales. So I just throw away a lot of razor systems after the blades run out. I hate the amount of waste that creates, but if it keeps me from having to pay for razors, then I will do it! Another thing you can do is combine coupons with sales to get an overage on things you don't need, and use the overage to buy what you do need. Example: a few weeks ago Walgreen's was offering a cold medicine for $4.00 and I think you got a $10.00 store reward when you bought $20.00 worth. There were coupons out for $4.00 off that item. So you could buy 5 of it, use 5 coupons, pay nothing but tax, and have a $10.00 store reward to use on things that you need that aren't on sale. If you're really interested in this you can start reading couponing blogs, such as southernsavers.com or dealseekingmom.com, or the grocery challenge. They all have beginning couponing guides. I was skeptical about the savings at first, and it takes al ot of time in the beginning (although now I only spend about an hour extra oer week doing it) but now I see first hand how much money I'm saving, and it feels so good! HTH
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NancysSummerSip
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Post by NancysSummerSip on Jan 27, 2011 9:35:41 GMT -5
Kinetic, I do the same thing frugalnurse does for the same things you need: the razor blades and the sunscreen. I keep my CVS and Walgreens rewards and use them, along with sales and coupons (I know they can be rare for those two items), and stock up, Razor blades won't go bad, though sunblock eventually loses some of its potency over time. DH and I both have to use a minimum 30 SPF, so I watch for BOGO sales.
I am thinking now would be a good time to look at sunblock prices, since no one is really thinking sun and fun in the dead of winter. I am going to the grocery store later, so I plan to take a look and compare my price book list to what's out there now on the shelves.
(Karma to frugal for giving me this idea!)
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cleanslate09
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Post by cleanslate09 on Jan 27, 2011 9:49:55 GMT -5
To me, it's getting rid of her CAR, and not cable TV or shampoo, that would free up the largest chunk of money for debt repayment. If I were her, I'd get rid of the car payment PRONTO. Unfortunately getting rid of the car is not an option. First off, it is a 20 mile drive to my office one way and there are no bus routes near by. Moving closer is not an option as the office is in an expensive zip code. I wouldn't be able to get a new car with lower payments, if I could get a loan at all because my credit score is so low.
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Clever Username
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Post by Clever Username on Jan 27, 2011 16:33:03 GMT -5
Wow the amount of bad BK info in this thread is amazing. I work in the industry and about the best advice you've gotten is to make an appointment with an attorney.
First, admittedly filing bankruptcy is a major decision. As Phil pointed out, if you do not have an ability to pay your debts... you are already bankrupt. Filing the case simply acknowldges it and provides relief.
Look into your state's median income and available asset exemptions. Pass those two tests and you can figure out the major pieces of a case in about 5 mintues.
Debating a $5/mo is irrelevant to your bankruptcy.
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Clever Username
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Post by Clever Username on Jan 27, 2011 16:36:42 GMT -5
Regarding your parents, you need to make the larger decision if you are keeping the home or not. Stay current on the payment and their credit will be improved by your bankruptcy (and resultant ability to make the payment). Surrender is a tough decision. With $30k less in debt, the home should be more affordable.
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Clever Username
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Post by Clever Username on Jan 27, 2011 16:48:31 GMT -5
@clever: Can you point out the bad BK info? I think others would like to know, just in case.
IF you own a house, you'll have to file Chapter 13 first. (that would be if they needed the BK to stop foreclosure or due to home equity).
If she files Chapter 7 right away, won't she automatically lose the house? Google: reaffirmation. Whether to do that or not is a good question, but at least know it's an option.
Every post addressing budget changes that add to less than $5000 is essentially irrelevant to the decision.
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pepper112765
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Post by pepper112765 on Jan 27, 2011 18:35:17 GMT -5
In any event, Zyrtec can no longer be paid with my medical account because allergy meds require a prescription with the changes in the health care laws. Read more: notmsnmoney.proboards.com/index.cgi?board=wir&action=display&thread=2006#ixzz1CHWaiQ80Just have you doctor write you the prescription. You are allowed to be reimbused for OTCs with a prescription for the doctor. I had the doctor write a script for Ex-Lax for my daughter since he said that she had to take it. He wasn't happy about using his prescription pad in this manner but he did it. You don't take the script to the pharmacy, it is used for backup to be reimbursed for the doctor prescribing the OTC medication.
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Post by kinetickid on Jan 27, 2011 19:33:14 GMT -5
To me, it's getting rid of her CAR, and not cable TV or shampoo, that would free up the largest chunk of money for debt repayment. If I were her, I'd get rid of the car payment PRONTO. Unfortunately getting rid of the car is not an option. First off, it is a 20 mile drive to my office one way and there are no bus routes near by. Moving closer is not an option as the office is in an expensive zip code. I wouldn't be able to get a new car with lower payments, if I could get a loan at all because my credit score is so low. What about buying a cheapo $1,500 clunker and not having payments at all?
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emma1420
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Post by emma1420 on Jan 28, 2011 15:52:17 GMT -5
Scarcasticgirl - The personal care is the category that I am examining the hardiest right now. I use this for a catch all for hair cuts, laundry detergent, toiletries, etc. I think that at the end of the day, it was higher because I ran out of money in my flexible spending account last year and was using it for allergy shots as well. Cleanslate have you considered going to a hair/beauty school for hair cuts, etc.? The local school charges $9 for a good quality haircut, one that I previously spent $45-50 getting in the past. And the beauty school I go to has a lot of other services such as coloring, waxing, etc., and would be a very reasonable way for you to maintain a professional appearance for work, at a very low cost. Especially if you only get a hair cut every few months. And like some other posters I would highly recommend doing away with cable if you haven't already. Get an antenna and watch the major networks and then use Hulu for stuff that is on cable. It stinks at first, but I haven't had cable in probably 3 years and now I don't miss it at all.
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mandyms
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Post by mandyms on Jan 28, 2011 15:57:51 GMT -5
Wow the amount of bad BK info in this thread is amazing. I work in the industry and about the best advice you've gotten is to make an appointment with an attorney. First, admittedly filing bankruptcy is a major decision. As Phil pointed out, if you do not have an ability to pay your debts... you are already bankrupt. Filing the case simply acknowldges it and provides relief. Look into your state's median income and available asset exemptions. Pass those two tests and you can figure out the major pieces of a case in about 5 mintues. Debating a $5/mo is irrelevant to your bankruptcy. How my attorney explained it to me: Chapter 7 is used for when debt to income ratio is above a certain percentage, chapter 13 is required if that said ratio is not met. In both cases (at least in Ohio), assets that you would like to keep are negotiated with the lenders. Overall, consult an attorney.
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phil5185
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Post by phil5185 on Jan 29, 2011 22:24:44 GMT -5
Ahhh to the almighty intelligent ones. You are so wise and so quick to point out what I will do and won't do. You might not call it judging, but I do. OK, call it judging - do you have a problem with people using their judgment? You have been given many good suggestions and you respond by whining about being judged? C'mon. Did you really spend $200 for a Lifetime Membership to Dave Ramsey?
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cheerleadingmama7
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Post by cheerleadingmama7 on Jan 30, 2011 23:06:52 GMT -5
Cean Slate - Kudos to you for seeing what you can do to make your financial situation better. I think many times the largest reason people don't file bankrupcy when they should it due to pride. You probably need to adjust your lifestyle and your spending so that you don't end up in this situation again - that is true.
You definately need to contact a lawyer in your area that specializes in BK and that will give you a free consultation. That way you have nothing to lose by consulting and seeing what your options are.
I bet you will leave that appointment feeling like you have a chance to live a better life.
If filing is the best option for you - then do what you need to do. No one will know unless you tell them.
Then stay a member of this thread and keep getting advice on how to live more frugally - make that your New Years Resolution....btw - that helps with the work and friend conversations when you tell them "no you don't want to eat out" or suggesting a less expensive entertainment option. You may be very surprised how relieved or happy others will be that you took the step cause there are lots of other people out there having money problems that don't want to admit it or think that someone will say something negative.
Keep your chin up!! You can get through this hurdle in your life!!
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mizbear
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Post by mizbear on Jan 31, 2011 21:02:35 GMT -5
Zyrtec- Someone already hit on the RA Rewards, and the FSA thing- here's another- Wal-mart, Target and almost every other drug store chain in the US of A have their own store brand of Zyrtec, Claritin, etc that have the same active ingredient. Unless you are allergic to the inactive ingredients you could save a boatload just by buying generic. My family does this a lot and the savings are phenomenal. Cable vs internet- I had to make the decision whether or not I really wanted my cable. Trust me, you will thank yourself later. Bankruptcy- Talk to a skilled lawyer. And don't be ashamed. I ended up close to if not over $100,000 in debt because of a bad marriage and a manic episode. Learn to clip coupons. Business dinners- Are you in a position to scale those down?
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happyscooter
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Post by happyscooter on Feb 1, 2011 9:12:50 GMT -5
"Then stay a member of this thread and keep getting advice on how to live more frugally - make that your New Years Resolution....btw - that helps with the work and friend conversations when you tell them "no you don't want to eat out" or suggesting a less expensive entertainment option. You may be very surprised how relieved or happy others will be that you took the step cause there are lots of other people out there having money problems that don't want to admit it or think that someone will say something negative."
cheerleadingmama7, that is so true. Nobody wants to be the spoilsport to say 'no, we can't go' or 'let's do this instead.' It took me a long time to realize that some people could do things we couldn't do. They had the money because they never paid a babysitter, lived with relatives for a year while their house was being built without contributing to the household, carpooled and never gave gas or parking fees, I could go on. My DH still thinks we should be able to do certain things that I have to say 'it's not in the budget.' (I feel like his mother sometimes.)
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dsunshine
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Post by dsunshine on Feb 1, 2011 19:56:22 GMT -5
cleanslate09
First of all I just want to tell you that I am in a similar situation and 37 too...I am so sorry you are going through this.
There have been a lot of great suggestions but I have just a couple of questions.
Do you have a Grocery Outlet around you? If you do, I would highly recommend it. You may not get your shampoo you want but you will get good stuff and brands you recognize. The one around me sells toiletries and food.
Why are you having to pay out of your pocket for meals that are work related? Ask your company to reimburse you. If they won't reimburse you let them know that you can not afford it for a while (don't explain your whole situation). If not make sure you are writing that expense off on your taxes.
As for the cable vs internet...do you have good high speed internet? If not, it is not worth using Hulu or Netflix or any of that because it will be very frustrating.
If you do have good high speed internet, do you have a TV that can be connected to the internet or is your computer up to the job of streaming video? I can understand why you would want to stay with TV if neither of these options are available to you. If you can use one of these way talk to your cable company to see if you can put your account on hold for 2 to 6 months and use the library or netflix as suggested before.
Good luck and I will keep checking back to see how you are doing.
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cheerleadingmama7
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Post by cheerleadingmama7 on Feb 7, 2011 20:59:53 GMT -5
Cleanslate - I am curious how you are doing out there?
What is your plan or thoughts at this point? I was thinking about you today and checked back and didn't see an update.
Hope you are well and moving in a positive direction!
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mizbear
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Post by mizbear on Feb 7, 2011 23:12:09 GMT -5
Clean- I had to go through a bankruptcy. I grew up poor and I grew up in a domestic violence situation and then married into 2 more. I had perfect credit until having a manic episode. I went from having a house, a new truck and credit cards to being divorced, living back at my grandparents, losing my truck, filing bankruptcy and eventually having to stop work because of my health. My hair was all the way to my butt. I wear glasses that cost $400-$600 /pair with the cheapest frames you can get because of my eyesight. Let me get to my point. Your parents' name are on the house, you need to discuss bankruptcy with them and the attorney before doing anything. You may be able to file without including your home or car as long as the loans are up to date or they may allow you to sell the house. I pay $35 for a cut and style regardless of my length at my salon- it's not a Hair Cuttery type place- these ladies have been cutting my hair since I was 3 and have a full service salon. You may want to shop around your salon prices. I take offense to not the wanting to look like you're homeless statement. I have been homeless. It's frightening. Knowing that someone at work may find out that you're showering at the gym and eating your meals wherever and sleeping in your truck on the parking lot at work. You don't know what homeless looks like. Homeless is not necessarily dirty and unkempt. Homeless could be anyone around you. The biggest part of bankruptcy is this- the only way that bankruptcy will really help you is if you are willing to make changes. I filed bankruptcy, I gave my grandmother my checkbook until they had my meds straight. I also no longer have credit cards. It's a risk if I have a manic episode. I started couponing again, changed my eating habits, shortened my hair so I wasn't using so much shampoo and conditioner- did I like it- no. Was it necessary? Yes. DO I like it better now that my grey is showing at 34? Yup. I also do not have cable. I have a cell phone on my mother's plan so that it is not as expensive. Generics- Look at the active ingredient on the package. It will be the same. Then just check the inactive ingredients for anything that doesn't agree with you. I don't think you're a bad person, but I've been there done that- you have to keep moving. You can be a victim and stand there and go "You have to understand this happened to me" or you can be a survivor and say "This happened to me and I am strong and I am going to keep going."
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cleanslate09
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Post by cleanslate09 on Feb 9, 2011 9:21:52 GMT -5
Cleanslate - I am curious how you are doing out there? What is your plan or thoughts at this point? I was thinking about you today and checked back and didn't see an update. Hope you are well and moving in a positive direction! I am definitely moving in the right direction Cheerleadingmama7. I am tracking my spending and seeing where cuts & savings can be made. I still have my cable and internet at this point and know that they are always an option. I have a net pay down of $568 this year so far. I should have a few more zeros popping up on my cards by the end of this month too.
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Clever Username
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Post by Clever Username on Feb 9, 2011 14:30:05 GMT -5
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cleanslate09
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Post by cleanslate09 on Feb 17, 2011 12:09:25 GMT -5
So I need some more advice. I think that I have found someone as a roommate prospect. I work with her at my parttime job and are schedules are pretty much opposite plus she is finishing up her undergraduate degree. Due to her situation, she is actually going to move in and just utilize the furniture that I already have in the spare bedroom with the understanding that when family comes to stay, they will be staying there. So, the challenge is - what do I charge for rent. I live in Austin and have never shared rent with anyone or ever been in a situation of a furnished house arrangement. Thoughts? Obviously at the end of the day, outside of a few higher utilities, it will be a win in the financial arena of snowballing some debt! Read more: notmsnmoney.proboards.com/index.cgi?board=wir&action=display&thread=182&page=22#ixzz1EEkTVzJY
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Peace77
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Post by Peace77 on Feb 17, 2011 12:30:07 GMT -5
A roommate is a great idea. However, understand that if you have a rent paying roommate, that bedroom is their home. You can't ask them to leave when you have company. Your guests will have to stay elsewhere or get a hotel room. Check out your local Craiglist "rooms for rent" page and see which situations are similar to yours. It looks as though most rents are between $300 to $600 austin.craigslist.org/roo/2219062634.htmlI'd suggest charging for rent for the room plus 1/2 the utilities or enough rent to cover the utilities if she decides to crank up the heat in the winter and blast the AC in the summer. Be sure to charge a damage deposit and have a written lease.
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cleanslate09
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Post by cleanslate09 on Feb 17, 2011 12:55:19 GMT -5
However, understand that if you have a rent paying roommate, that bedroom is their home. You can't ask them to leave when you have company. Thank you for the quick advice. One of the things that we agreed upon was the use of the room. My parents live out of state and come to visit maybe once or twice a year. Because of her situation, she would rather use my furniture already in that room, versus me moving into the office and let her bring in her own. So, we agreed that on the occassion that my parents would come, I would give her advance notice so they could use the bedroom.
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mizbear
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Post by mizbear on Feb 17, 2011 13:13:53 GMT -5
clean- Depending on what the laws are where you are, you may be able to use the computerized lease kits you can pick up from places like Staples or write your own- make sure things like smoking, utilities, date the rent should be paid, what exactly it covers, late fees, notice of moving, notice of being removed (again check laws), how much notice you need to give her if parents are coming, termination of lease, pets, guests, damages, etc. Have the lease notarized- many banks will do this for free or a nominal fee if you have an account with them. Hope you are doing well.
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mizbear
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Post by mizbear on Feb 17, 2011 13:17:40 GMT -5
1 other thing- make sure you get first month and a security deposit that you put in a separate account. When she leaves, she can have her security back as long as there are no damages. Where I live now, we also get whatever interest the account has accrued. If she will have full house privileges- make sure the rent is at least 1/2 the mortgage payment and 1/2 the average utility bills including water, sewer and trash if applicable in your area. If she will be using your cable/internet- she pays half.
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Peace77
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Post by Peace77 on Feb 17, 2011 14:03:26 GMT -5
Where do you expect her to stay when your parents visit?
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Post by gsbrq on Feb 19, 2011 12:27:22 GMT -5
I'm not sure if you ever considered Snerdley's suggestion, but I agree with it. If you sold the house, you could really cut your monthly expenses quite a bit.
I know that is a hard thing to consider, but IMO with your debt load and income, you really can't afford a house right now.
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kansasflower
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Post by kansasflower on Feb 21, 2011 11:36:01 GMT -5
Good move on getting a roommate!
For allergy medicine, if you are concerned about generics and hives, you could try using a netipot (nasal cleaning system) to potentially reduce the amount of allergy medicine you need to take. I spent $30/month on allergy medicine for years and still couldn't have indoor pets or do much of my own cleaning without have an allergy fit. Since starting to use a netipot, I no longer need allergy medicine even though I have indoor dogs and a cat. Several friends and family have been able to reduce or eliminate the use of allergy/other medicines with the use of a netipot.
Cable ~ The suggestions for replacing cable with internet/netflix are good. For $11/month, you can get unlimited streaming on netflix that includes many movies and tv shows, some with HDTV quality. If you cannot give up the basic tv, you could try dumping the tv and getting an antenna, you could be surprised by how many channels you can pick up. I hear folks in my area say that they can't get any channels without basic cable, but I get the basic channels (abc, cbs, fox, nbc, cw) plus about 15 other channels (a weather channel, qubo, etc) with a $35 antenna and NO cable.
Pets ~ As a pet owner who thinks of her pets as family, I would never suggest completely getting rid of your dogs. However, since things are tight, perhaps a family member or friend would take in your dogs for a few months to help out. Years ago when I was not in a position to take care of my dog, a family member took care of it until I could get back on my feet and a place with a yard. Right now, I am taking care of a dog for a family member who is having a hard time (homeloss, bankruptcy, had to relocate to find work). If your family is close, this type of arrangement could help you out.
Bankruptcy ~ Please do take the advice to speak with a bankruptcy lawyer. My family member mentioned above tried the debt assistance path first, similar to what you tried. Unfortunately, it did not work and they continued to struggle to keep their heads above water. In the end, they ended up losing their home and still had to file bankruptcy due to medical bills. Since bankruptcy, they have less stress and their credit score is slowly coming back up.
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mizbear
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Post by mizbear on Feb 22, 2011 12:22:43 GMT -5
kansasflower- Great suggestion on the netipot! I love mine and was able to get it and extra packets of the salt solution on sale and with coupons at WAGS. Some people are comfortable mixing their own solution, but I prefer the convenience.
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