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Posted: Tue Jan 08, 2008 4:16 pm Subject: Oops I did it again!

Things were going so well...Then it happened, Had an emergency car repair that cost me $300, now I am stuck with no money for formual or diapers for 2 more weeks....I think I am going to have to go to Checksmart and get an advance and I really REALLY really REALLY do not want to do that. That other shoe always has to drop...

Posted: Tue Jan 08, 2008 5:48 pm Subject:

Good to see you Leah- but am sorry about your problems. Hope the baby is doing well..As far as the formula and diapers-any church in our area, as well as some local helping agencies won't let your baby go without! We live in a very small town, and we have some that do that--also the next town over is bigger. Anything would be better than getting in that awful cycle again.

Maybe a friend or relative could loan you the money until you get on your feet? Just some suggestions.

Contact your local health department- I was there to get my flu shot, and noticed they had flyers for people that needed assistance and numbers of those that would help

Good Luck--let me know what happens--hang in there sweetie!!..karen

Posted: Tue Jan 08, 2008 6:41 pm Subject:

Leah, Please see what other options are available. As Bossy said anything is better than starting the cycle. Be strong. we are here for you.

Posted: Tue Jan 08, 2008 7:19 pm Subject: r

Oh, Leah. I am so sorry. I know the feeling all too well. I swear, I've dragged my a$$ to a friend's GIRLFRIEND and borrowed money. Talk about feeling like a low life! But at least she let me make her payments when I could until it was paid off. It sucks, but I thought it was a hell of a lot better to stick my tail between my legs and knock on her door. Whichever choice you make, you do what works best for you. We are behind you no matter what you do.

Posted: Tue Jan 08, 2008 7:25 pm Subject:

Oh Leah I am sorry to hear about this. You know if I had any extra I would send it your way. You do what you need to do, but remember what happened the last time, and only take what you need and what you can pay back without rolling over. But see if you can get some assistance some where else first. I wish you the best.

Posted: Tue Jan 08, 2008 7:58 pm Subject:

Now this thread title reminds me of Britney Spears Smile

) Isn't that the title of one of her songs? Leah, I'm very sorry to hear about your troubles and hope things are better soon.
But this leads to another question. What kind of loan package could someone get out there that's as short-term as a PDL, but doesn't charge ungodly amounts of interest like a PDL?

Posted: Tue Jan 08, 2008 8:10 pm Subject:

My credit union offers a kwik cash account. It is an overdraft protection for your checking account. But you can withdraw from it if you need to instead of overdrawing on your account. Yes they charge 15% interest. But the payments if you use all $500 is only $15 a month.

Posted: Tue Jan 08, 2008 8:13 pm Subject:

Now that's a start. What kind of credit would someone need to get a loan like that? And could someone with bad credit who would normally get a PDL get one?

Posted: Tue Jan 08, 2008 8:21 pm Subject:

Yes, as long as you have a checking account with the credit union.

Posted: Wed Jan 09, 2008 12:23 am Subject:

Leah, go to a food bank, social service agency or call some of the battered womans shelters in your area. They all have resources for formula and diapers for those in need. You do not have to go back to those thieves!

Posted: Wed Jan 09, 2008 3:35 am Subject:

I agree with everyone else. See what is out there in the way of assistance before you go back to those a**holes. I have gotten caught in the trap of having them all paid off and then something happens and would use them again only to get sucked back in. Whatever you have to do though do for your baby. Good luck to you and let us know what happens.

Posted: Wed Jan 09, 2008 9:51 am Subject:

Hi Leah ~ good to see you! Have you tried checking into getting WIC? That would help with formula and a few other things. Also, I am not sure if you own or are renting your house, but check into housing assistance (section 8 or something like that), also check your income for food stamps. I know doing this stuff is hard to do, it was for me, but sometimes we have to swallow our pride and go this route. Just don't make it a permanent solution. Use it until you can get back on your feet. There are also church organizations that might be able to help or Salvation Army or someplace like that.

Hang in there and try not to get that pdl if you can help it!!!!

Posted: Wed Jan 09, 2008 10:11 am Subject:

Please do not go there. Is there not a friend or relative that can help you out? I know it is hard but it will work out. Just keep your faith and it will come to you!

Posted: Wed Jan 09, 2008 11:32 am Subject:

I'm sorry to hear of your trouble,Leah. My parents and I went through this recently too. We still haven't had the money to pay our rent, and are afraid that the landlord will kick us out, because we were late with the rent last month as well. I really feel for you. Sad

To 2nband who made the comment about help above, how would you find out about WIC, section 8 and food stamps in your area? (or my area in this case) I've thought about checking into those things, but I believe my father and I make too much money. I've heard that they base the requirements on how much you make BEFORE taxes, which doesn't really make any sense to me. That, and they never take into account your personal circumstances or how many bills you have coming out. Sad

Oh well... Oh, and in case anyone's wondering since I asked the question about help in my area, I live in Fairfax County, Virginia.
Hope you find help somewhere Leah.

Kelly

Posted: Wed Jan 09, 2008 12:38 pm Subject:

The web site for WIC is http://www.fns.usda.gov/WIC/

It will give you all kinds of information such as how to apply, income guidelines, etc.

For Section 8 or housing assistance, go to HUD dot GOV

There is a section there under AT YOUR SERVICE that tells you about how to apply for housing assistance.

For Food Stamps the site is the same as the WIC web site except instead of putting WIC after the first back slash, put FSP

Also check with Social Services.

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