My mother has spend a fortune on me for the past 15 or so years, (but never on herself) I was told tonight that in one year I won't get my fathers social security money anymore. I'm scared, and so is my mother. We are living on Section 8 housing, and have been for years. My mother has a disability, and she also gets disability. What can I do to help her, what suggestions can I make. She needs to save money. We only need to save money. we don't need anything but a to keep what we have and emergency car repair. We have no family here to help us in anyway. It's just me and my mother. My mother owes about $3000.00 in bills, and that' it. Maybe you can give me some advice as how I can help my mother and get some money saved.
2007-01-05 12:54:15 · 20 answers · asked by jcanime@sbcglobal.net 2 in Family & Relationships ➔ Family
You didn't mention how old you are, but I'm guessing based on the Social Security issue, getting a job might not be a bad idea if you can swing it. (If you're in high school, don't let it interfere with your schoolwork...the long-term benefits of an education will far outweigh what you can earn in fast food today.) Also, be careful about making too much money...since I'm not sure what impact that might have on your section 8 status...and that's the only thing saving you both right now.
In most communities, there are organizations that will help low-income families with things like utility bills and food. Start looking into those things now. You have a year head start, make the most of it. Also, every penny you can save today stretches that year a little longer.
Depending on what the $3000 in debt is about, you might have options there too. Particularly medical debt, can usually be negotiated down to a very small and reasonable monthly payment. Other kinds of debt might be harder to renegotiate, but it doesn't hurt to call creditors and ask. What you DON'T want, is to let anyone talk you into paying them extra up front...some dishonest creditors might try to get more of their money now if theu think you're struggling. Don't let them dip any deeper into the little bit of savings you have left.
Those are the big things I can think of without more specific information about your situation. Depending upon the nature of your mother's disability, there might be specific organizations that would offer you various kinds of assistance.
2007-01-05 12:58:39 · answer #1 · answered by David G 5 · 4⤊ 0⤋
Honey just keep the faith, God has a way of working things out, I'm going thru the same thing myself, except, I'm unemployed not disabled. There are several different resources to help pay household bills, the rent can be reduced when the income changes as long as you're on Section 8. Check out human service offices in your area for help with electric bills, also iheap/ileap for heating or fuel bills. If you're old enough and not in school may I suggest you seek employment.
My prayers are with you and your mom. God bless you both,
2007-01-05 13:10:11 · answer #2 · answered by bigbabygirl 1 · 1⤊ 1⤋
It sounds like the two of you are living together and neither of you can work...is that right?
Consider the one thing you have a lot of control over: your rent/mortgage/house taxes. You could downsize to a smaller apartment or move from the city to a smaller city or the countryside to drastically cut your rent. If you own a home now, sell it and move to a smaller community. After all, if neither of you is working, this won't really affect you (yes, you might lose contact with friends, but it sounds like your problem is deeper than that) and it's a good long-term way to save money.
Another thing to do would be to talk to a financial professional - many of them have good advice, and many will even give you advice for free.
Good luck and God bless.
2007-01-05 13:02:06 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Get on a budget talk to a financial ad visor. Get a job to help. get a good education for a job in a field that makes good money.
you have section 8 so you wont be homeless. Check out David Ramsey! i wished i had done this sooner. God bless you ! you got a smart head on your shoulders and a tender thoughtful loyal heart. you must have a super mom !
2007-01-05 13:02:14 · answer #4 · answered by tennessee 7 · 1⤊ 0⤋
wow...that is barely enough money for one person to live on it much let alone two - forget saving...just trying to get from check to check will be a challenge...it maybe time you start helping out....by getting a part time job (if you are still in school) ...
Good on you that you appreciate that your mother did spend it on you...and that you have the foresight to see there is going to be a problem...you are going to need some financial councilling is this available through your school or church?
2007-01-11 17:24:37 · answer #5 · answered by Ruth M 2 · 0⤊ 0⤋
I am soooooooo soooooooo sorry I wish I could help you but I'm not old enough to get a job or drive a car or earn money!!! I feel bad but maybe you can get a good job and then get your mom a job so you can get more money for you mom!!!
2007-01-05 12:59:06 · answer #6 · answered by Ms. Talkative!! 2 · 0⤊ 0⤋
Jennifer: There is only one thing you can do and that is to get more money coming in. Do you work? Can you get a job/better paying job and stash a little away each month? God bless you both!
2007-01-05 12:58:33 · answer #7 · answered by Anonymous · 1⤊ 0⤋
At 15 you should not have to shoulder a load like this, Mom needs to get a grip and take care of things.There is all kinds of help out there, she needs to start asking for it.
2007-01-05 13:28:52 · answer #8 · answered by Granny 1 7 · 0⤊ 0⤋
I understand ur going trogh a hard time . try getting a job to pay for ur own things and maybe something nice for ur mom to cheer her up. help with the bills dont ask for much keeep things real simple
2007-01-13 10:11:37 · answer #9 · answered by Corrine B 2 · 0⤊ 0⤋
SS stops at 16 i think get a part time job and stay in school any thing will help bank every thing you make
2007-01-05 13:54:45 · answer #10 · answered by just_me_1955 5 · 0⤊ 0⤋