Money Woes... while Pregnant and Parenting!!!!? related questions

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Money Woes... while Pregnant and Parenting!!!!?3Britanny2012-09-23 13:47:14
I do not know what they want to hear , but I would like some kind words . I am 20 weeks preggo w / Baby # 2 and have been trading online for Graduate School in Medical Billing and Coding . I always wanted to get into the computer , but my situation does not allow it right now. My boyfriend is a hard worker , but is " between jobs " often . He just applied to be a line cook in a local restaurant , but it still worries me . I have no $ $ to buy maternity clothes now , let alone start shopping for baby . I've been working , but I can get some of that work , so my counselor career placement is helping me to find something better. My rent was due yesterday , my bills are 2-4 months late , I have school loans I have to put on patience , but I am confused with the process ; Arrghh ! The brakes are going out in the car , my son's b-day is coming .... What would you do ? Have you been here , in these shoes ? Please help ... Anything that helps ...
What can I do to resolve my money woes?0I only care about you2012-10-09 10:28:51
Hi, I just wanted some advice on what to do. Im 24. Have a fairly new car when I was 20, took a bank loan of $ 20,000. The payments were well at the time. Moved interstate, needed money to, so that the bank offers a credit card (the worst thing ever!) Anyway, I ended up with a credit card debt of $ 4,000, $ 2,000 I gave to a friend in need, but ultimately does not pay me back (I'm an idiot), refinanced with a consolidation loan to pay for it, as I was struggling to make payments on the cards. MedlinePlus A few months later I knew I was going to lose my job, so I got another card with a limit of $ 2,000, out of work for three months so maxed to pay bills and rent. He found a job, and my boyfriend now, and was ashamed of my debt, which had ballooned to a grand total of $ 35,000. After struggling for 6 months we have sought help. Contacted Fox Symes and now I'm on a payment plan of 5 years to pay off all debts, which will make it more difficult to finance future, but it was the best option. MedlinePlus MedlinePlus I work full time, my boyfriend works but just get 10 hours a week. We live well (only), but now we have a buzz on the road. My bank account is reduced to $ 0 after expenses each week and I'm so afraid I'm going to fail my future family because of my stupid mistakes. We need more money for us to breathe, but his MedlinePlus so hard! MedlinePlus I wish someone could help me clean my slate clean and change my life forever. Im so depressed and angry at myself for getting into this mess. Im a good person, just in a slump. I took advantage of credit as all of us and made too many errors .. I'm not so proud. Any ideas on what to do?
How can i earn extra money while pregnant?0Silverfox2012-09-29 17:21:03
I have 25 years old and 16 weeks pregnant . I am also a full time student in college . MedlinePlus MedlinePlus I was working as a waitress at Fri, Sat and Sun evenings , but since I told them I'm pregnant I have been lucky to get even one afternoon a fortnight . The restaurant told me that there was not much movement and they ( the owners) where gunna do the work themselves and call the staff if the big parties booked , I was totally understand as it is a small family business. I have since discovered that one of the girls has been working on the weekends . I feel I've been treated unfairly coz of my pregnancy . MedlinePlus MedlinePlus I am currently trying to survive on my student loan , which is impossible since I 'm also trying to buy baby stuff and find an apartment to live in (so you need home furniture nad stuff too) . My partner is also a full time student and a part-time worker . We live together , but unfortunately it is not earning enough to keep . MedlinePlus MedlinePlus I was wondering if anyone knows how I could make extra money? nobody wants to "employ me because of my pregnancy and I can not seem to get any benefit ( until the baby's birth ) as I am a student. 'm really worried ......
What would you think of a mother who sues her pregnant daughter over money?0Coroline2012-10-04 02:38:16
My mom is threatening to sue me because I could not make my car payment . I have 3 months pregnant and trying to save money to support my son when he arrives. I can not save while the ridiculously high car payment of 415 months dollars. She refuses to refinance , we co signed together in the car . I have two months of late payment and has sent me several threatening texts and is now talking to a lawyer . The defaulted loan. I 'm going to return the car for her to leave me alone , but I think that his madness will stop there. My sister is getting married in a few months and she needs the money to pay for his wedding . I got married in a court only to be able to pay for that stupid car . I have given up much of my money , and I refuse to give up my son to make her happy .
Question on parenting... we are both young. I am 22, he is 25.?4Adi2012-10-07 19:01:03
I turned 22 last month , my boyfriend is turning 26 January. MedlinePlus MedlinePlus We have been thrown in the deep end since we started seeing each other . MedlinePlus MedlinePlus We started our relationship on January 19, 2009 and February 12 beautiful my father died after battling lung cancer . I miss him very much . MedlinePlus MedlinePlus Since that day , my boyfriend has been living with me , we're madly in love with each other and have had a relationship fast paced since. He has been there for me all the time and helped me with everything .. MedlinePlus MedlinePlus We are selling my parents' house , and the money will be split three ways between my two sisters and I the amount you will receive from my parents is enough equity to buy a house , and all that is needed is a small loan , say, $ 80,000 to buy the type of home you want and need . MedlinePlus MedlinePlus I own a Subaru 99, and my boyfriend own a VY Maloo ute . We both have cars , and will have a home soon . MedlinePlus MedlinePlus We just found out (Thursday ) I'm pregnant . None of us expected or wanted it to happen and have used protection since we started sleeping together . MedlinePlus MedlinePlus We decided to keep the baby , but they are both very scared of how hard financially and emotionally and physically will be difficult . MedlinePlus MedlinePlus Do you think we're going to fight ? Please give me all the advice you can ! ! MedlinePlus MedlinePlus What should I start buying ? I about 4 or 5 weeks .
Am I overreacting about my dad's poor parenting?0p2012-11-05 21:29:49
Okay, so this is my situation. My boyfriend and I currently live with my parents in a nice home in a nice part of Long Beach. My "dad" is a very greedy person, he mainly only cares about money. Our house was payed off, but he took out $200,000 from the house and gambled it away at a casino; then less than a year later he took out more money, nobody really know what he did with that money, but we're assuming the same thing. Now, we have $200,000 equity on the house, and he sold the house and we all now have to move to Moreno Valley where he bought a piece of **** house in full so he wouldn't have to pay a mortgage anymore. Moreno Valley is not only very dangerous (infested with drugs and gangs), but an hour and a half away from my school and my boyfriend's work. I'm currently 30 weeks pregnant, and about to graduate high school in August. My boyfriend and I are trying to look for a place to live (thankfully my mom is leaving me with $20,000 to put down on a condo), because my boyfriend does not make much money and we will be struggling greatly. I thought that the best decision was to move to a state where the living cost is much cheaper, but they're not going to give us a loan if my boyfriend doesn't have a job. My parent's are going to have about $30,000 leftover from the house, and I asked my dad if I could have $5,000 so that my boyfriend and I could get an apartment until he can find a job, but my dad said "i'm not giving you a f*cking penny!" Although that money is legally half my mom's, I still had to ask my dad because my mom has no control over him and she already knew he was going to keep all the money for himself. My mom has tried to fix things, she even got $60,000 from here mom in Italy so that she could send to the bank to lower the mortgage payments, and instead of sending it my dad kept it in his bank account and decided to live off of it, and it still somehow only lasted about 8 months. I feel very stressed out about this whole situation because my dad feels that he has no responsibility to pay for basically what I need to survive, although i'm 17 and still legally his responsibility. I just don't see how my father could be so cruel to his daughter when I clearly need him to survive.
Unethical Parenting For Single Mom?0 Ankara2012-11-04 14:04:02
First, to give a little background, I have 19 years and graduated from high school this summer, I have a 15 month old baby and the father has zero involvement in your child's life. I am currently living with my parents abroad (my father is in the foreign service) and they are supporting us 100%. MedlinePlus MedlinePlus Now, I've been applying to universities in the states to begin in the fall. College is not really an option for me, I can not work at some dead end min. wage job after I graduate, I want a better life for my son than that. And on that note ... MedlinePlus MedlinePlus My original plan was to take student loans so I could pay all costs of living and child care while attending school full time (which would cover FAFSA). This makes more sense since I am a new mother before I am nothing, and if I take out loans and worked instead of paying the bills, which would be 8 - 3pm at school and then all afternoon at work. .. I would see my son in essence, all the money would go to him in the nursery pretty much all day. So why work while going to school is not an option. MedlinePlus MedlinePlus Now, my question .... my parents have recently offered to support my son and take care of him while I go to school. They would love and would be no financial constraints or emotional for them, because they make good money and my younger brothers are 6, 9, and 14, so it's not as if they have been parents for years. This would negate any need for large student loans. MedlinePlus MedlinePlus The problem with this is that living abroad. I have two free flights a year, so it would be able to visit my son twice a year. Also, instead of continuing my studies of four years just to have a program associated or another two years (as EMT), then get my son and just work and save to continue my education later when I am more financially stable. MedlinePlus MedlinePlus My only concern is ... two years of my son is so long! Could this be the best decision?
My wife and I discovered she is pregnant. We have two children and I make ok money. She is not insured. ?2von2012-10-02 19:59:02
My insurance provided through work does not cover pregnancy. Even if it did, it would be a 80/20 plan . I can do too much for the Oregon Health Plan . We prevent and , of course , full responsibility for our actions . We own our own home , we have student loans. (They both graduated from college ) , we have a car loan and we owe almost all credit cards . We want to be the typical middle class family . Of course we're sitting just below the edge of being able to pay out of pocket . What is the cheapest way to have this baby ? The insurance does not cover . Most maternity programs where you pay a monthly fee not work too well . (I have a lot to look through the BBB ) . I'm sure you can negotiate directly with the hospital , but what if something abnormal occurs and the cost soars beyond what you can afford ? She is only 10 weeks pregant . We have plenty of time and want a concrete PLAB instead. I think being a responsible parent is to make sure you have a plan b , and c . Lesson learned - Contraceptives are not 100 % :) .
Any suggestions on how to tackle my financial woes?3res2012-10-01 02:00:03
I want to get rid of almost $ 40k in student loans . But say I feel anxious and overwhelmed is an understatement. It seems to take me forever to get the debt paid. Moreover , still rent a room and I'm in my 30s to mid ! no children yet. I do a little more than minimum wage and finance my car. I'm thinking about graduate school , only to increase revenue, but spending is frightening . Not having my own home is stressful . I'm losing my youth , and I 'm not even indulging in anything . Not that I go on shopping sprees or leaving. Any suggestions on how to deal with this?
Current Economic Woes - Who's to blame?4Tadeo2012-09-18 09:06:02
I've been reading the tripe of Democrats and Republicans alike blame the current administration for the financial problems of this country. Let me set the record straight on the part of it. 1977: Pres. Jimmy Carter signs the Act Community Reinvestment Act in the law pressured financial institutions to extend home loans to those who might not otherwise qualify. The premise: Home ownership would improve poor and crime-ridden neighborhoods and in terms of crime, investment, jobs, etc. Results. Statistics confirm that did not help Question: Why is the government so deeply involved in the housing market? A: See below to find out who is covering his fault! 1992: Republican representative Jim Leach (IO) warned of the danger that Fannie and Freddie were changing from being agencies of the general public to money machines for the principals and the stockholding few . 1993: Clinton extensively rewrote the rules of Fannie Mae and Freddie Mac of rotation of the quasi-private mortgage finance companies in semi-nationalized monopolies dispensing cash and loans to large Democratic voting blocs and delivery of favors, positions work and contributions to political allies. This powerful combination led inevitably to corruption and now the collapse of Freddie and Fannie. 1994:. Despite warnings, Clinton unveiled his National homeownership strategy that broadened the CRA in ways Congress never intended 1995: Congress about to change to a Democratic majority to Republican, Clinton's Treasury, Robert Rubin, Department orders to rewrite the rules. Robt. Rubin Treasury reworked rules, forcing banks to satisfy quotas for sub-prime loans and minorities to get a satisfactory CRA rating. The rating was key to expansion or mergers for banks. Loans began to be made on the basis of race and little else. 1997 - 1999: Clinton, bypassing Republicans, enlisted Andrew Cuomo, then Secretary of Housing and Urban Development, which Freddie and Fannie to get into the sub-prime market in a big way. Led by Rep. Barney Frank and Senator Chris Dodd, congress doubled down on the risk, reducing the capital limits and allowing them to hold just 2.5% of capital to back their investments vs. 10% for banks . Since they could borrow at lower rates than banks their enterprises grew. With incentives in place, banks poured billions in loans to poor communities, often "no doc ',' no income ', which requires no down payment and no income verification. Worse still was the cronyism: Fannie and Freddie became home to out-of-work politicians, mostly Democrats' Clinton. 384 has great political campaign donations from Fannie and Freddie. Over $ 200 million had been spent on lobbying and political activities . During the 1990's Fannie and Freddie enjoyed a subsidy of up to $ 182 billion, most going to the directors and shareholders, not poor borrowers as claimed. Did it work? Minorities comprised 49% of the 12.5 million new homeowners but many of those loans have gone bad and rates of minority home ownership are declining rapidly. 1999: New Treasury Secretary Lawrence Summers, became alarmed at the excesses of Fannie and Freddie. Congress held hearings the next year, but nothing was done because Fannie and Freddie had donated millions to key congressmen and radical groups, ensuring no meaningful changes would take place "We manage our political risk with the same intensity that we manage our credit risk and interest rates, "boasted Fannie CEO Franklin Raines, a former Clinton official and current Barack Obama advisor, investors in 1999. 2000: Secretary Summers sent Undersecretary Gary Gensler to Congress seeking an end to the 'special situation'. Democrats raised a scandal like Fannie and Freddie, headed by politically connected CEO who knew how to reward and punish. "We believe that the statements evidence a contempt for the nation's housing and mortgage markets Freddie spokeswoman Sharon McHale said. Was the last chance of the Clinton era for reform. 2001: Republicans try repeatedly to achieve the fiscal health of Fannie and Freddie, but Democrats blocked any attempt at reform, especially Rep. Barney Frank and Chris Dodd, senator, who now run key banking committees and were huge beneficiaries of campaign contributions from mortgage giants 2003: Bush proposes what the New York Times called "the most important regulatory reform in the industry of housing finance since the savings and loan crisis a decade ago." Even after discovering a scheme by Fannie and Freddie to overstate earnings by $ 10.6 billion to increase their bonuses, Democrats killed reform. 2005: Then Fed chairman Alan Greenspan warned Congress: "We are putting the financial system at substantial risk." Senator McCain, with two others, a bill of Fannie / Freddie reform and said: "If Congress does not act, American taxpayers will continue to be exposed to the enormous risk that Fannie Mae and Freddie Mac pose to th
More Financial Woes - I cant seem to make a compromise!?0Shelly,k2012-10-12 10:37:26
So after dealing with the situation of borrowing money all ... (Another story). MedlinePlus MedlinePlus Well, now a new can of "frack" that has opened. MedlinePlus MedlinePlus Little About Me: MedlinePlus 1. New baby (3 months old) married my girlfriend. MedlinePlus 2. I am the sole provider (not by choice) MedlinePlus MedlinePlus MedlinePlus So apparently my girlfriend (AKA Peanut) disagrees with me to save for the summer holidays when I could be putting that money into a savings account for our newborn? Before all this came I asked him to commit to me and said he wanted to wait until she began working full time for the two of us can contribute to a 529 plan for our school children. This works for me because now I'm paying not only for all living costs, but payment of the expenses of peanuts and their personal phone, car payment, car insurance, health insurance, clothing, loan student and spending cash. However, she feels that we have any extra money after paying for all our daughters should go to savings fund? The sad thing is that not even have a savings fund ourselves??? I think we should wait until both worked and both contribute to the weekly bills and living costs before you start building a savings for our daughter. She says she does not have to want more for my daughter and I do not care about their welfare ...? MedlinePlus MedlinePlus MedlinePlus My parents never saved money for me for my future college expenses. Instead, he spent his time and money by providing a roof over my head and keep food on the table. In addition to providing me with much love and care. It had everything I needed as a child and worked my way through college happily knowing that would not be here if not for this great mom and dad. MedlinePlus MedlinePlus MedlinePlus I'm about to break up with her, I can not always be at fault and that in all my decisions seem to be against my daughter and apparently I'm taking my baby for not sacrificing each of my hard earned sent in a savings account. MedlinePlus MedlinePlus ~ I feel like im about to have a break down!
Correct list of culprits and prophets for our current economic woes?1Teii2012-11-03 00:16:02
Is it correct this list (in no particular order)? MedlinePlus MedlinePlus 1. Christopher Cox, chairman of the Securities and Exchange Commission - should have sounded warnings from the beginning of the problems with loans affecting the stock market and 401k saved many MedlinePlus MedlinePlus 2. Ben Bernanke, Federal Reserve chairman - should have recognized the problems in lending patterns MedlinePlus? MedlinePlus 3. Henry Paulson, the Treasury secretary - not so sure about this - started in 2006 MedlinePlus. MedlinePlus 4. Representative Barney Frank, D-Mass., chairman of the House Financial Services Committee - oversight of Freddie Mac and Fannie Mae as they made bad loans and ate MedlinePlus MedlinePlus 5. Sen. Christopher Dodd, D - CT, chairman of the Senate Banking Committee, presumably the supervision of banks and lending institutions, and others as they drifted in the credit crunch mess, without warning to citizens U.S. MedlinePlus. MedlinePlus 6. President Bush -. Is not responsible for the economy (the presidents have a surprisingly small effect in most cases), but this happened while his economic advisers were on duty MedlinePlus MedlinePlus 7. Banks and lending institutions to make loans and packaging of sub-prime risk, creating much confusion. MedlinePlus 8. Qualifying Institutions, Moody's and Standard & Poors, et al that misclassified the risk associated with the loan packages. How credible are they now? MedlinePlus MedlinePlus 9. U.S. automakers Chrysler and GM - did not contribute to the initial confusion, but kept building gas - guzzling, not so good cars so they were in such bad shape that when the economy began to fill the tank, they needed a bailout MedlinePlus. MedlinePlus List the good guys? MedlinePlus MedlinePlus 1. Paul Krugman -. Agree with him politically, but I think he signed some warnings about the coming disaster MedlinePlus MedlinePlus 2. ? ?

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