Up and Down…but Mostly in a Swamp of Despair

Ok so here we are, still passing through each day step by step just trying to get by – so where are we?

Well the Non-Profit is done with our application, the only way they’ll pay it out and close with us is if we come up with 1-months payment, $852.14, as a gap payment.

Then I got a letter from the DMV/State of NC telling me that due to a missed court-date outside of Raleigh in April I have to now pay the past due taxes on Silver, roughly $495.00, or they’ll suspend my license.  I got a ticket for the tags being expired when I went to the Chapel Hill burn center in February, didn’t go to the court-date because the courthouse is 2.5 hrs away and I knew I’d not have it resolved by the time the court-date rolled around.  Then I forgot to call for a continuance – so here I am.  Ugh.

We know I need my license, that’s a given – so now we’re trying to figure out our next steps. I’ve requested paperwork to close the 401K I had through my previous long-term employer, roughly $3,100.00, after taxes/fees we’re looking at about $2,800.00.  So going to use this money to pay both the gap funds and the taxes on Silver.  Then whatever is left will be used to pay our water bill, $245.00.

We’re trying to decide our next steps, my bi-weekly checks are somewhere around $391.00 are not enough to cover all of our bills. So I am still looking for another either full-time or part-time job to help cover the gap.  The State’s stopped by UI funds – and we now have to re-up our food stamps again.  So I am just at my wits ends.

So here we are – losing sleep – possibly losing Silver again – and just trying to figure out how our life is going to pan out in the coming months.

Time Passes…Life Goes On…Even Under Seeming Odds

I seriously feel like I need to play the role of Ebenezer Scrooge when it comes to our finances – hold every penny earned close to my heart and not let it go unless ABSOLUTELY necessary – never having fun – always pushing friends/family and events off to the side.  We’ve been hit from every angle as of late and frankly it’s getting old!

So since my last post let’s see what’s happened:

Silver’s repairs FINALLY wrapped up with a $250.00 deductible being paid out of our Merrill Account, and the rental cost was $754.53 for the 37-Days it took to get the repairs completed.  Ugh. I did send a copy of the receipt with an email style invoice to the repair shop requesting reimbursement for the rental cost as it exceeded the estimated number of days they told me repairs would take.

So that left us with none of our tax refund left – the remaining balance went to buying groceries/gas and basically supporting us for the last month while I looked for work.  I did manage to find a part-time position at a major department store retailer in the South and East working in Fine Jewelry, so not terrible. But it pays $9.00/hr maxing out at 24.0 hours a week until a full-time position opens.  Joy!

In the meantime we’ve re-done our food stamps and now have more money in Food Stamps every month to help us pay for groceries – the mortgage is still in process, need to check-in there and find out what the status of that is. Hubby went back to DSS yesterday to apply for Medicare to be told that the state no longer covers adults like they do children, SO he was directed to Soc. Security to apply for disability in hopes they can get him the coverage he needs for his heart issues.

Otherwise, we’re down to our last $100 until I get paid Friday…fun right?!

So that’s that ya’ll!