LogFAQs > #930154027

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Topic	Help me make a budget, CE (WARNING: TEXT WALL)
SableWolfAngel 11/14/19 10:29:52 PM #7:	treewojima posted... Cutting out or at least tapering cigarettes and kratom will help. That's not a judgement, since I'm a recovering addict and understand those vices help. HUD is super backed up, but you'll never qualify if you don't apply, so do it anyway but expect rejection or a long waiting period. Food banks aren't really something you apply for unless it's government subsidized, there tend to be all sorts of charity drives through churches and stuff like that. Even if you disdain religion, churches do a lot of that stuff since public assistance in this country (and PA especially) is junk. I can't recommend Uber, especially if you'll use it to finance a car. The maintenance and gas will kill you. It simply doesn't pay enough and the requirements on the vehicles you use are strict, plus their "insurance" sucks (used to be at a body shop, we hated doing Uber jobs). I'm cutting down on the smoking, but he really needs the Kratom. He doesn't take too much to begin with, but it's done wonders for his anxiety and depression and is way cheaper than traditional prescriptions, not to mention less side effects. However, he is cutting down so there's that. I'm not holding my breath for HUD, you're right. And no, you don't "apply" for a food bank, but some of them go by "slots" and if they're full, they won't accept new people into their program. But I won't know until I try contacting a few to see how each one works. The car I'm getting is pretty new so it'll pass all their requirements no problem. My driving record is also clean, minus this past accident which wasn't my fault as you know so it shouldn't count against me. And if I pickup fares on my daily errands and appointments I'm already doing (job interviews, bank stops, doctor's appointments, etc.) it won't be THAT much out of the way of what I'm already doing. I won't try to run myself into the ground with it, but money is money. I'll have my own insurance, not through Uber. treewojima posted... foxhound101 posted... Cable/Internet is the fastest cost saving measure you can make. Drop the cable. That'll save you $50-60 a month. You probably need to keep the internet for job hunting, but if you have a good nearby library you can use them for internet and other things. I can get on board with this too. What sort of data plans do you have for your phone(s)? It might be cheaper to use them as a hotspot when necessary. I could drop the cable, but I have a bundle of cable, internet, and phone right now as part of a new two year agreement promotion. If I dropped it, it would cancel the promotion and I'd be paying the same, if not more, for not bundling during the initial two years. The internet is an absolute necessity so I really can't drop that. And how am I supposed to get to the library without a car? I live in an all residential area with no real shops for quite a few miles to walk just to get some free Wi-Fi. As for the phones, he has a TracFone so it's about 20 a month for service and about 10 a month for a gig of data. He doesn't usually buy minutes or texts because he uses so few that the packages he's bought in the past are still keeping him going because he mostly uses data for communication. And my phone has a regular Verizon unlimited plan, but I'm holding out for my discount to stay even after being dropped from the job that provided it. I need that plan. Cpt_Pineapple posted... tl;dr Gee thanks. --- http://www.backloggery.com/SableWolfAngel https://imgur.com/At3Hcq5 \| https://imgur.com/F1pWSAm <cite>SableWolfAngel posted [p:930154027] in Help me ma... [t:78161322]...</cite> <quote>treewojima posted...</cite> <quote>Cutting out or at least tapering cigarettes and kratom will help. That's not a judgement, since I'm a recovering addict and understand those vices help. HUD is super backed up, but you'll never qualify if you don't apply, so do it anyway but expect rejection or a long waiting period. Food banks aren't really something you apply for unless it's government subsidized, there tend to be all sorts of charity drives through churches and stuff like that. Even if you disdain religion, churches do a lot of that stuff since public assistance in this country (and PA especially) is junk. I can't recommend Uber, especially if you'll use it to finance a car. The maintenance and gas will kill you. It simply doesn't pay enough and the requirements on the vehicles you use are strict, plus their "insurance" sucks (used to be at a body shop, we hated doing Uber jobs).</quote> I'm cutting down on the smoking, but he really needs the Kratom. He doesn't take too much to begin with, but it's done wonders for his anxiety and depression and is way cheaper than traditional prescriptions, not to mention less side effects. However, he is cutting down so there's that. I'm not holding my breath for HUD, you're right. And no, you don't "apply" for a food bank, but some of them go by "slots" and if they're full, they won't accept new people into their program. But I won't know until I try contacting a few to see how each one works. The car I'm getting is pretty new so it'll pass all their requirements no problem. My driving record is also clean, minus this past accident which wasn't my fault as you know so it shouldn't count against me. And if I pickup fares on my daily errands and appointments I'm already doing (job interviews, bank stops, doctor's appointments, etc.) it won't be THAT much out of the way of what I'm already doing. I won't try to run myself into the ground with it, but money is money. I'll have my own insurance, not through Uber. treewojima posted...</cite> <quote>foxhound101 posted...</cite> <quote>Cable/Internet is the fastest cost saving measure you can make. Drop the cable. That'll save you $50-60 a month. You probably need to keep the internet for job hunting, but if you have a good nearby library you can use them for internet and other things.</quote> I can get on board with this too. What sort of data plans do you have for your phone(s)? It might be cheaper to use them as a hotspot when necessary.</quote> I could drop the cable, but I have a bundle of cable, internet, and phone right now as part of a new two year agreement promotion. If I dropped it, it would cancel the promotion and I'd be paying the same, if not more, for not bundling during the initial two years. The internet is an absolute necessity so I really can't drop that. And how am I supposed to get to the library without a car? I live in an all residential area with no real shops for quite a few miles to walk just to get some free Wi-Fi. As for the phones, he has a TracFone so it's about 20 a month for service and about 10 a month for a gig of data. He doesn't usually buy minutes or texts because he uses so few that the packages he's bought in the past are still keeping him going because he mostly uses data for communication. And my phone has a regular Verizon unlimited plan, but I'm holding out for my discount to stay even after being dropped from the job that provided it. I need that plan. Cpt_Pineapple posted...</cite> <quote>tl;dr</quote> Gee thanks. --- http://www.backloggery.com/SableWolfAngel https://imgur.com/At3Hcq5 \| https://imgur.com/F1pWSAm</quote> ... Copied to Clipboard!
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