Not managing financially

amother

Sun, Nov 01 2020, 2:28 pm

Both my husband and I have health challenges and therefore we aren't able to be as productive as others. We aren't coping financially and need some ideas.

Bec of our health issues we also pay more for food and vitamins and need a little extra to cope (physical and mental health issues)

Keep trying to figure out ways to cut but I'm drawing a blank.

Please help me.

amother

Sun, Nov 01 2020, 2:35 pm

amother [ Seagreen ] wrote:

If you haven't yet, start by reading up on Dave Ramsey.

I've listened to him, but he tells you not to buy things you can't afford. What if you need it?

Does he have anything to offer me? Can you give me one idea bec really not up to reading right now.

amother

Sun, Nov 01 2020, 2:37 pm

baby12x wrote:

Is there a way you can increase your income?
Maybe by working from home?

Right now I'm not well enough to. My husband is trying but he has a lot of issues getting in the way.

amother

Cerise

Sun, Nov 01 2020, 3:03 pm

Are you able to get food boxes from the schools? They’re going through the end of this year.
And Tomchei has a Chodesh food order that many people order from. At cost.

amother

Black

Sun, Nov 01 2020, 3:10 pm

You may want to make an appointment at Mesila. They can be helpful with this kind of stuff.

amother

Seashell

Sun, Nov 01 2020, 3:14 pm

amother [ Black ] wrote:

You may want to make an appointment at Mesila. They can be helpful with this kind of stuff.

Mesilla has great tips on how to cut from your budget and try to increase your financial income.
It costs money. They might help sponsor the expense for the course.
They might be able to help out with grocery expenses.
845 709 9999

Tomchei shabbos gives shabbos food box weekly with shabbos basics.

amother

Sun, Nov 01 2020, 3:18 pm

amother [ Cerise ] wrote:

Are you able to get food boxes from the schools? They’re going through the end of this year.
And Tomchei has a Chodesh food order that many people order from. At cost.

I don't always have the strength and half the things we don't eat but I really should push myself...

amother

Sun, Nov 01 2020, 3:19 pm

amother [ Seashell ] wrote:

Can't afford mesilla...My husband I think would be mortified...I really would love practical ideas on not spending money...how to cut corners...

amother

Maroon

Sun, Nov 01 2020, 3:20 pm

amother [ OP ] wrote:

Vitamins are mostly a waste of money. Are you seeing medical professionals?

amother

Wine

Sun, Nov 01 2020, 3:23 pm

Can you elaborate on what you spend money on? Maybe someone has info on how/where to get it cheaper?

amother

Lavender

Sun, Nov 01 2020, 3:28 pm

What is your lifestyle and what are your expenses?
Do you pay for phone service? We use obi so free phone through our internet. It's a one time fee of $50 for the device then $0 monthly.
If you have internet can you find out if there are reduced rates for low income through specific providers - I don't know your area.
What is your cell phone plan? There are free and low cost options
Do you spend on clothing?
Do you shop sales for food?
If you shop online go through cashback links.

amother

Mustard

Sun, Nov 01 2020, 3:32 pm

Could either of you qualify for SSI?
Are there any organizations in your area that could help with medical expenses?
If you live in Monsey, call Tomchei Shabbos, they may have ideas for you beyond Shabbos boxes.

Thisisnotmyreal

Sun, Nov 01 2020, 3:36 pm

amother [ Maroon ] wrote:

Vitamins are mostly a waste of money. Are you seeing medical professionals?

Do you live with a chronic illness that you can dare to give such advice?

amother

Sun, Nov 01 2020, 9:49 pm

amother [ Mustard ] wrote:

Ok. Will do.

amother

Sun, Nov 01 2020, 9:56 pm

amother [ Wine ] wrote:

Can you elaborate on what you spend money on? Maybe someone has info on how/where to get it cheaper?

Family of 4. Spending about 1200 a month on groceries (including disposable, tissues etc..) (I think I spend too much?)
Rent 1250 a month
Tuition 400 a month
Car I think 300 a month. Maybe more plus gas.
Vitamins maybe 500 a month between the whole family, maybe more
Utilities I don't know
Clothing I shop in the cheaper stores
Internet and phones come out to between 200 and 300 a month I think
And cc debt, and owe ppl money....

I buy mostly in Wal-Mart, children's place, Amazon. I buy shabbos clothing in the cheaper Jewish stores.