Gettin that gov. cheese

**SquireStrat** · 2011-09-26 09:20

Long story short, myself and wife are broke as shit. Our bills exceed our income by probably 30%, maybe more. I've been unemployed for awhile, wifes hours were cut at her job. I've been at my new job for a month and things are picking up and the wifes hours are picking up too, but we are still broke.

Before the usual "what are you spending money on? cut back xxx, etc" we live like paupers and don't do shit. About the only thing we could cut back on is tv/internet which is our only treat, which we may have to cut if I don't start making a lot of money fast at my new job(I'm paid mostly by commission).

We're looking into food stamps but I'm wondering if your employer finds out about you applying. Why does it matter? I'm supposed to be "financially sound" at my job so it's a little concern. For my wife, when her hours were cut, she was told she could receive "underemployment". While receiving it, we moved to a different town to cut living expenses so she had to put an availability for awhile. We just received a letter from the state that she basically committed fraud by not having an open schedule. For the $1500 in benefits we received, she has to pay back $5500.

I've never asked for help or assistance in my life until now and I feel like crap. I don't know what else to do. All credit cards are maxed, no money left in the bank, etc etc. Any advice?

**greenhills** · 2011-09-26 09:59

i have no experience with food stamps or benefits, so i don't know anything about that.
do you guys have any hobbies outside of watching tv? is it possible to supplement income with those hobbies? if you don't have a hobby, maybe it is time to think about one to take your mind off of financial issues in your down time. since worrying needlessly will only cause you health issues that will also need money to take care of.

**SquireStrat** · 2011-09-26 10:08

Originally Posted by greenhills

i have no experience with food stamps or benefits, so i don't know anything about that.
do you guys have any hobbies outside of watching tv? is it possible to supplement income with those hobbies? if you don't have a hobby, maybe it is time to think about one to take your mind off of financial issues in your down time. since worrying needlessly will only cause you health issues that will also need money to take care of.

Yeah...to add to the money issues my wife suffers from migraine headaches. Last week she had a catscan, ekg, and ctc scan. After going to a neurologist she has received proper medication and it's getting better, but money definitely adds to the stress. On top of that our 15 year old cat was diagnosed with lymphomic cancer on Friday. The vet said she's basically gonna go so get ready. It's been a rough week!

I know this thread sounds like one giant QQ about money and stuff. I've never had to consider gov. assistance or bankruptcy but we don't have any choices left. We will hopefully be fine in about 6 months, but until then I'm just not sure what to do.

**SquireStrat** · 2011-09-26 10:12

Oh, and about the hobbies, the wife works around 50 or so hours a week, but her schedule is a split between first and second shifts. She's constantly tired from working until 11:30pm or so and having to wake up at 6am and only getting 5 hours of sleep a night. I personally don't struggle with that amount of sleep, but she does. Makes her a zombie mostly. I work 6 days a week currently. It's like there just isn't enough hours in the day.

We try to be involved with family. I was thinking of seeing about work from home online. I haven't looked into it at all to see what's out there.

**Laugana** · 2011-09-26 10:12

Any relatives who could do a short term loan or anything?

**test123** · 2011-09-26 10:15

Go work in the fields like the Mexicans do.

Three generations before us the men went out to sea for 2 years at the time.

**Chun Liroy** · 2011-09-26 10:20

Ask creamsoda

**SquireStrat** · 2011-09-26 10:25

Originally Posted by Laugana

Any relatives who could do a short term loan or anything?

Brother in law has a forclosure, sister has CC companies suing her for non payment. my mother and stepdad are almost worse off then us. Her mother lives with her sister and does help, but her sister, which is a half sister, is a psycho and has disowned us from the family because we didn't ask her what she wanted for our wedding reception.

I can't get another regular type 2nd job because my primary job sponsers events in town and stuff that I have to be at. eg: last Friday I was at an event from 6-8:15pm. I think something on the net would be good for another source of income. Too bad you can't sell gil for shit anymore! haha....

**Mazmaz** · 2011-09-26 10:38

cut TV, download shows.

**solanis** · 2011-09-26 10:39

what is it that you do for work?

**hey** · 2011-09-26 10:41

Originally Posted by SquireStrat

Too bad you can't sell gil for shit anymore! haha....

Sure you can. Cruor farming can make you about 100k cruor/hr pretty easily with 1-2 dds and brd/cor mules. 1 cruor = 2.6g. And cruor scales linearly with each mule you bring. With 14 mules (including brd, cor mule, that gives you room for a puller, and 2 dds, and someone to open chests. 15*100*2.6=3.9m worth of cruor/hr. Use bots to buy/sell chocobo blinkers while you sleep. Assuming blinkers are done fully automated, that's $30-40/hr, depending on how much you sell for.

**Shenrien** · 2011-09-26 10:52

Originally Posted by Mazmaz

cut TV, download shows.

This^ I live alone, own my own house and paying 80$ a month for cable when I just watch half the stuff I do on the internet, and it's a hell of a lot cheaper to get some halfway decent internet then it is to pay for cable.

Pretty much cut off anything that isn't a necessity, if you have cellphones, check to see if its cheaper to keep the cells active over your household landline.

**wop** · 2011-09-26 10:56

Originally Posted by solanis

what is it that you do for work?

I'm sure solanis can spare a few bucks

**solanis** · 2011-09-26 10:57

Originally Posted by wop

I'm sure solanis can spare a few bucks

no no I'll leave that honor to you good friend

**archibaldcrane** · 2011-09-26 11:06

http://www.mfia.state.mi.us/mars/ez_track/MARS000.asp

File an application and hope for the best. I worry that since you don't have any dependents and you both work (I think?) full time, you'll still make too much money to qualify - but try anyway. People who work hard but still have trouble keeping their heads above water are some of the most worthy recipients of state aid, don't be ashamed about it. Just file and see what happens, worst they can say is no.

And I don't think your employer "finds out" if you're receiving aid - don't worry about that part of it.

**Qalbert** · 2011-09-26 11:14

Originally Posted by Mazmaz

cut TV, download shows.

this. and seriously, I post a lot of stuff in bentertainment but if there's anything specific you need links for shoot me a PM

**Eaglestrike** · 2011-09-26 11:26

Does it seem ironic to anyone else that OP needs to be "financially sound" to have his job?

**Lucienne** · 2011-09-26 11:29

Originally Posted by Eaglestrike

Does it seem ironic to anyone else that OP needs to be "financially sound" to have his job?

Kind of, but then again, anything is possible in America, the land of opportunities.
This thread is depressing. I wish I could help you/give you advice.

**solanis** · 2011-09-26 11:29

no, it makes sense. what job is it, though?

**Olo401** · 2011-09-26 11:35

Originally Posted by Eaglestrike

Does it seem ironic to anyone else that OP needs to be "financially sound" to have his job?

In a country where an employer can refuse to hire you based on the fact that you don't have a job, nothing surprises me.

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