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Thread: Moving- any Ideas Welcome
03-22-2007, 01:19 PM #1
Moving- any Ideas Welcome
I am new to the group and this will more than likely be really long,
but it is what is on my mind.
I have a 2y/o and 9y/o and been married 4 years.
We have been renting since we got together and have been trying to
buy a home.
There is always an issue so we never get threw with the financing.
The last few rentals have been really bad 2 moves ago both of my kids
were so sick that the Doctor had mentioned that we were in the office
too many times. So we were lucky and moved into a better place. The
place we moved from we tryed really hard to have it non
condemned so no other parent would have to go threw what we had to.
No one could find any thing wrong (sewer was leaking and water
standing in the crawl space).
Then we had to move again due to the place being sold it was only on
the market 30 days and now were in another mess. Since October my
youngest son has been sick. It started with a rash and sneezing and
now is in the diarrhea stage. There has not been a fever the Doctor
has ran ever stool test that they can. We have changed the diet (no
hot dogs and hamburger nothing greasy and no spicy food). Cut the
milk to a little bit. Well nothing has helped.
I have shampooed the rugs washed the walls and Evey thing trying to
fix the problem. We did find a water leak and fixed that and have
noticed where there is evidence where other water leakes
have been in the past so I am thinking that it is mold. My older
child has been a little sick but she is normally at school so she is
not home all day like we are. When she is home all day
then she get sick for two weeks at a time.
We originally thought that we were going to be buying this place and
then found out that we could not get financed for it so we will be
needing to move again!!! My oldest has attendanted 3 different
school and is in the 3rd grade. I have became a master at moving and
I am so tierd of moving.
We still have not been able to buy any thing due to not being able to
save money due to the rent and normal bills and soon the car will be
paid off (had to replace it but for so much money that has been spent
at least it still runs) then maybe we could save money and
buy a place. If I work then I have to pay for child care and that
really costs to much I have done that before but I haven't found any
thing that could cover the price of day care and still have
enough money to come out a little ahead. The cheapest is colse to
5.00 an hour and pay is only 6.50 for the average job around here.
That is every thing from walmart to wendys.
Some times I honestly feel like I should have joined the service for
as many times as we have moved.
How do people get money to pay of previous bills and have money for a
down payment. Gee there are times we have to rely on the community
for food and help. We even went almost a year with out car insurance
we honestly did not have the money for it.
We have honestly managed to eat on $50.00 a week for the 4 of us at
home. We feel like were always broke and as long as the kids do not
go to the Doctor we might have a little bit of money after we pay the
I am so afraid of the gas prices rising again that really did hurt my
husband has 1/2 hour commute to work one
way and when the gas prices were high we spent more than 200.00 a
month on travel for his job. Forget about moving
closer to his job the cheapest thing I found in that town was a
garage for 600.00 a month with no bathroom we would have
to pay for water but still a garage.
Any thoughts that could help I would be gratefull sorry this is so
03-22-2007, 01:20 PM #2
Re: Any ideas welcome
Do you guys qualify for any state assistance? I know in wisconsin
for a family of 4 you would get free health insurance with no co-
pays or discounted if you make slightly too much and $600 a month
for food. If your income is really low they also give you rental
assistance and childcare assistance. The subsidize most of your
child care for you so you can come out ahead. They also have energy
assistance during the winter months. Also, have you checked out the
HUD? do a google search for HUD housing. They help people buy
homes, you'd have to pick homes from their site (I believe, it has
to qualify) and they give you special financing for it and I believe
you can use rental assistance checks to help pay for your mortgage.
Really try to reach out and see what your state offers as most of it
is the same, but it varies. WIC also helps and you can make more
money than these other programs and still qualify for it. Every
little bit helps and don't be afraid to ask for help until you guys
can get back on your feet and are more settled.
I agree with the previous poster about the mold. We lived in a
crappy place downtown 3 1/2 years ago and my son was 11 months old
when we moved there. A few weeks after we moved my son had wheezing
in his left long and he had it the whole time we moved there. We
usually only wheezed when he had a cold, but it was constant then
and he was on asthma medication and they started testing him for
asthma and then we moved to a suburb that had newer buildings and it
disappeared a week after we moved! I believe it was the mold. Our
last apartment was horrible. He's had no problems since living
there. Good luck!
03-22-2007, 01:21 PM #3
Re: Budget101.com : Any ideas welcome
In our community there is "rental assisstance" for low income people.They
have these homes in the project but if all these are rented -they will go
outside the project and rent from private people w/ the samr restrictions.
Here you can find homes for sale that advertise "seller will pay closing "
or partial pay etc. Some will say "no money down".
Your son may have an illness from some months back and not from each move.
I would think that there would be mold in the house where you described the
water is leaking. There was a tv show on about a $1,000,000.00 house like
this w/ leaks and mold and finally they had to abandon the house. Did anyone
else see this ?
03-22-2007, 01:21 PM #4
Re: Any ideas welcome
You need to get the house tested for black mold. It's most likely
the culprit, and cleaning the carpets won't fix it. If the house has
it, you'll have to move again, or the owner will need to work on
getting it removed ASAP. It's linked to many health problems, and
may not be visable. It grows wickedly fast, and can be under the
carpet in the subfloor, in the walls, in the drywall, in the pipes,
Get the house tested, immediatly. That many health problems with no
discernable cause is cause for alarm, especially when people who are
in the house for a longer period are the ones who are more
suseptible to being sick. Another thing- have you ever seen mice
droppings anywhere in the home? Mice droppings and urine can come
into contact with food, skin, etc, and make people ill quite easily.
If you ever see it, report it immediatly to your land lord and ask
for an extirminator.
As for money problems, well, it takes a while to get sorted out.
Have you considered getting a job when your husband is home, so you
don't have to pay for day care? If you can do that, then the cost is
not as high. You could work fewer hours and still come out ahead
because you won't be paying daycare costs. An in home sitter is
usually cheaper than daycare as well, so that is another option.
You don't sound to me like you are in the position to be looking at
buying a house. If it's hard enough to make ends meet now, it won't
be easier with a home. You'll have a house payment, taxes, repairs,
insurance, etc, and in the begining, it's usually much higher than
the cost to rent.
If you are a 1 income family which is considered low income, I would
say your best bet would be to get into subsidized housing, so that
you are more easily able to set money aside each month for when you
are ready to make a down payment on a house.
Subsidized housing is required to meet certain health code statures,
meaning you very likely won't be dealing with a condemned or mold
infested home. Subsidized housing is 30% of your income, with a base
set depending on the cost of the apartments.
I know apartment living isn't ideal, but if you can cut your monthly
costs for a year, you'll have a nest egg set up that can grow much
more quickly for buying a house. If you can tough it out for 2 years
in an apartment paying less than you do already, and set the extra
aside (say you pay $750 now, and get an apartment on HUD for $450 a
month, you'd set aside 0 a month) in a seperate banking account,
then it would grow. Based on saving $300 a month for 2 years, you
would have $7,200 set aside, before what you gain in interest.
On top of that, if you get a part time job making $6.50 an hour, and
can do it during a time when your husband can watch the kids, you
would be making an extra $130 a week, before taxes are cut out.
Let's say you bring home $100 a week, take home on that. Set aside
$25 per check to be put into your savings, which is $100 a month
more saved. Now with $400 a month, you'll have $9600 set aside in 2
years time, before interest. That's a down payment on a house of
It's tough, and it takes a lot of cutting back and hard work, and
maybe some cramped living quarters, but it can be tremendously
helpful when the reward pays out in the form of a new house. Plus,
you're already setting aside an extra $400 a month into savings
based on that, so you'll be in a position to just turn that set
aside money into your house payment, and extra costs each month.
I hope that hlpes you out a bit.
03-22-2007, 01:22 PM #5
Re: Budget101.com : Any ideas welcome
In a message dated 3/2/2007 5:52:42 PM Eastern Standard Time, email@example.com writes:
It started with a rash and sneezing and
now is in the diarrhea stage.
Have the doctor test for celiac/spru because those sure are some of the symptoms. Taking your child off of all gluten products (that means absolutely no wheat, oats, barley,malt) is how you treat celiac
03-22-2007, 01:22 PM #6
Re: Budget101.com : Any ideas welcome
Why not apply for medicaid or Family Health Plus for
the family.And instead or paying for daycare,you work
the night shift if your husband works day shift so
someone would always be home with the kids,and you
still would only need one vehicle.You could always
take a few kids in to babysit,make some fliers up and
put them around in gas stations and supermarkets.Good
03-22-2007, 01:23 PM #7
Re: Any ideas welcome
Why don't you work around your DH's schedule. When I was first married
my DH and I both worked at fast-food restaurants. We worked opposite
shifts so we did not have to pay daycare. Lots of fast food
places/stores offer flexible sheduling to accomodate parents. You
could work in the evening when your DH is home/ Even working 7-11 pm
would make you $130/week if you worked 5 evenings. You could work 2 8
hour shifts on the weekend and that would be $104 week.
Another way we saved when we were first married was to live in
apartments only when we were renting. Renting a house is much more
expensive. We never lived in a house until we bought our own. Most
apartments have parks or play areas close by that you can take your
kids to for outside time.
03-22-2007, 01:23 PM #8
Re: Re: Budget101.com : Any ideas welcome
I have been where you are. Good idea about working at night. I shop at Aldi,
kids need a lot of sleep. I use liquid Elderberry (stops respratory problems
from growing), chewable vitamins, from Walmart. My kids are hardly ever sick
now, but we lived in apartments that had mold. Hidden, from water leaks, the
mold hurts their immune system, and they can't throw off colds etc. as easily.
The diarrhea, try yogurt, prefferably one with no extra sugar. Must have live
cultures. Food lion has a key lime one my son loves.
We prayed to God. Asked for a house and almost immediatly got one. We didn't
even have to pay closing cost, because we added it to cost of house and owner
paid it outright for us.
03-22-2007, 01:24 PM #9
Re:Any ideas welcome
Boy does your story remind me of my family a few years ago. My kids were also always in the doctors office I got to thinking i might as well live there. WE couldn't afford a thing didn't buy groceries for awhile and had stacks of bills we couldn't pay. The one thing that we had to do is file bankruptcy. It wasn't want we wanted to do since we were both raised that you take care of your debt, however we couldn't no matter what we did. I tried to take a job and work but the extra expenses in gas and meals ate up alot of the income. My husband took a extra job in the evenings it helped some but he was never home which tore our family in two. After filing bankruptcy we have a easier time they make sure you can afford things. About your home i have been there we have moved eight times in the last 7 years I fill like the military as well. However I have a brother in law in the military and he hasn't moved that much. The houses we could afford to live in were nothing at all nice we had mice infested,sewer overflow,rain running through lights, mold. They were all nasty. But that is what we could afford. Your kids and you being sick when in the home is awful a landolord shouldn't be allowed to rent a place if it isn't safe to live in. I know how it feels as well to not be able to buy a home we haven't been able to as well with financial situation and bankruptcy. However now we a three years out and have been paying on our in chapter 13 and can now qualify for a FHA loan. my brother and his family filed chapter 7 resently and can buy a house in a year. I am not saying that I suggest this. I am just saying I have been where you are and this is what ended up pulling us through. Also to help with some of the cost going out check out some of the food ministries around your area if you cand get assistance maybe that will help with some of the financial burden. Also i know that living in a apartment is not appealing however I have had to do it for the last two years and it has really helped not having extra cost. I hope that all gets better and I will be thinking and praying for you.
03-22-2007, 01:24 PM #10
Re: Budget101.com : Re: Any ideas welcome
When my kids were younger, I worked the 11-7 shift at a local hospital on Friday and Saturday nights. That way, my husband was home with them while I was at work and also when I was getting my sleep. It wasn't easy, but I did it for several years because it worked. I worked doing registration and admissions at the Emergency desk. I know those positions are often open because the schedule is difficult for most people. The pay was decent, I started at almost $13 an hour and they trained me on the job. There were also fulltime positions available but they involved too many hours and since we have good health insurance thru my husband, I didn't need f/t.
A nice perk was that when the perfect p/t morning job came about, I already had a foot in the door. I still work for the hospital but at a physical therapy office, doing billing and registration. The hours are so flexible. I work while the girls are at school.
I just wanted to share what worked for us, good luck in finding something that works for your family.
03-22-2007, 01:24 PM #11
Re: Budget101.com : Re: Any ideas welcome
I agree with the different shifts, when my second child was born I got a job at a bank, working nights, 7p to 3a and my husband worked days. Then a few years later my husband went to nights and I worked days, and by then we had 3 kids, you not only get the benefit of no daycare but you also know that mommy or daddy is at home taking care of the baby all the time! That was the best and kept us going when we were getting burnt out! Now all my kids are in school and I work for a company that lets me work in the office while they are in school and then I am able to pick them up from school and I can work a few hours at home, so again no daycare for the little ones!
03-22-2007, 01:26 PM #12
> Do you guys qualify for any state assistance? I know in wisconsin
> for a family of 4 you would get free health insurance with no co-
> pays or discounted if you make slightly too much and $600 a month
> for food. If your income is really low they also give you rental
> assistance and childcare assistance. The subsidize most of your
> child care for you so you can come out ahead. They also have
> assistance during the winter months. <<
We're selling our house right now here in Central WI, 2 story Cape, 3
acres, in the Village, 3 bedroom, full bath, etc. Payments would be
about $450-460 a month.
If you're looking to relocate, this area is beautiful & rather
inexpensive, as cost of living goes.
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