I am SO happy you FINALLY did a real life budget for someone receiving state assistance. I'm on disability this helped a lot!!! Please find more like this
Thank you for addressing low income earners. I was a single mom who struggled. I am totally on my feet now but there are many more people in this situation right now than we care to admit.
Congratulations Sky. 1st step reaching out to Kumiko for help. You’ve got this! I’m rooting for you. Your an amazing mom in setting a wonderful example for your children with planning, setting goals and working hard. You can accomplish your hearts desires. Keep us posted. Blessings to you and the budget mom team.
I say keep the $7 per month in "luxury expenses". I don't think $7 is going to make any difference in the budget but will make her feel deprived. I only ever received housing assistance one and when I got a part-time job I lost that assistance. Moreover, I did not take home any additional income due to losing 20% to taxes, 30% to the increased rent and the other 50% to daycare costs. The system does not encourage people to get ahead. They penalize them for trying. If she makes an extra $300, her rent is likely to go up $100, she will lose $60 to taxes and who knows how it might affect her food stamps.
@@shola7987 I was thinking the same thing between a mental reprieve and honestly the fact that groceries come to your door! We have no idea how old her children are and it may be too difficult to cart them to the store & shop.
She needs to apply for income based repayment for her student loans. She would definitely get the $0 monthly payment. This will keep her out of default.
Tell sky to look into LIHEAP or some sort of budget billing with her utility and water companies. Heck, have her reach out to a local church for assistance with those fixed expenses for a time. Have her look into essential worker childcare vouchers in her state to put her children in daycare so she can work more. That program will exist through December 31. I also recommend getting enrolled in income based repayment if they are federal loans. Loans will be forgiven after a certain number of years- even if your payment each month is 0, it counts as a monthly payment towards that forgiveness. Next recommendation: save tax returns for birthdays and Christmas. Next recommendation: girl, you gotta get child support. Period, end of story. Her ex has an equal financial obligation to kids! It HAS to happen!
I say skimp on birthdays and Christmas this year, get a CNA license and quadruple her income. If the State pays for it, she can buy gifts. Yes, her assistance will be affected but that should give her the impetus to keep grinding and move up in her career and no longer need assistance. If the kids aren't disabled, they may need to work to help out.
The problem with your analysis is this: Yes, there is an income problem. However, if she only increases income by a couple hundred a month, she is at risk for losing her state assistance benefits. She would need to make a larger jump in income to cover the difference in the state benefits plus increasing her budget. Also her $7 "luxury" expenses are pennies in comparison to the larger problem. I suggest keeping those so she can try to keep her sanity. Sounds like she doesn't have cable, so these are her entertainment items.
No she's not. They work with the people they help. Increasing will mean less food stamps, which is crazy because food is expensive, and it will also increase her portion of rent. But it evens out.
I kind of agree (my children and I went without cable, Netflix, etc. for years even without financial hardship so I can't totally agree). I'm not sure of the public transportation situation where she lives, but a bus pass would free up gas, car maintenance, car insurance, and windshield sticker costs. In Chicago, children under a certain age ride free and high school and college students get a discount or ride free.
The more income she makes the more she will have to pay for her portion or rent and she will lose some food stamps. They will not take away her housing but she could eventually end up paying the whole rent (if the full rent is less that 30% of her income) and she will lose food stamps if she brings in too much money. So if she started making $1,500 extra per month, she would lose her foodstamps and have to pay about $300 in rent....So, ultimately she would be making $1,500 extra per month but really she’s only making $200 extra. Yeah she’s more self sufficient but in order for her to be able to cover all the bills herself and pay off debt she is going to have to make a lot more money. They make it hard to get off government assistance once you get on it, most people can’t afford to get off assistance until after their kids grow up and move out.
@@domoniquesacco4964 You're basically saying what I was saying. My point is that she would need a MUCH larger income to offset losing benefits or it's not worth it to just make a few hundred extra month, or whatever that magical number is. I used to be in the same situation.
@A Cameron Any extra money you start earning when you are receiving a housing voucher or food stamps will lower the amount the Govt. gives you. You either have to make A LOT more money, or you have to stay at a low income to continue to receive your benefits.
I’d like to pay her $7 expenses for her for a year. I’m very serious. I’m sure one lets her kids watch tv and the other is memory for her phone. If there’s a way I can get in touch to pay these, please let me know.
It would be awesome if we could somehow coordinate a TBM support network. I live in NC and someone like me who is out of debt and further in my journey could mentor her IRL.
I’m from NC! Living in Texas now. I totally agree! I’m out of debt, been doing TBM system for about 2 years now. I can probably help if you have questions.
There is a mentor program in the TBM Facebook group! I have 2 people I talk to about budgeting and Ive met a third from mikos livestream on instagram. Love the people who follow miko. So many lovely people!! I love the positive space.
My husband and I are low income as well. For her Electric and Gas I would see if her county has a HEAP and/or PIPP program. We bought a house in December and were told the electric would be around $200..it was $400. I went in to get help because we couldn't afford it and now our electric is $97 every month. It has been a life saver.
This is such a sad situation... hopefully she gets the help she needs and a better job. It’s so unfair to have such high students loans for such low paying jobs out there..praying for her and good job on helping her step in the right direction!
Miko, can you please show a budget for those of us on Social Security Disability, SSI or other monthly source of income with part time jobs to help supplement?
I’m glad you did this budget. I’m also really confused on the income. I worked as a CNA in MN for 18 months around 2006-2007 at a nursing home. Take-home pay was almost $10/hr, so working a typical schedule (avg 40 hours/week), my take-home on each bi-weekly paycheck was close to $800, not $299. Month income close to $1600, not under $600. Either she is being paid less than $5/hr, or she’s working less than 15 hours a week! For a family of 7 (6 kids plus mom), that $1600 would still put her well below the federal poverty line of $40,000, so shouldn’t affect her housing or food stamps, but would give her more budget flexibility.
If she's a single mom of 6 young kids, then she probably isn't able to work full time. I was a nanny for a family with 9 kids, and thinking back I didn't have any free time, and I was just a nanny, not a full time care giver.
As I listened to the income that this woman with 6 children is taking in, honestly, I was shocked. But there is always someone doing worse. For example, there are millions who are unemployed and wish they had 200 checks every two weeks as they have literally no money at all..but I will say this, I am always wishing I had more money and thinking of ideas to make more feeling like I do not make enough, and the truth is I really do need money, however at the same time, I will NEVER complain about my pay again after hearing this woman's story. Never will I complain again...
Skye, if you're watching this I need to ask... do you have an iPhone and is the $1 for iCloud Storage? If that's the case, I would advise you do NOT get rid of that $1/month charge unless you know how to back up your phone. If you stop paying that, your phone will not backup to the cloud and if something stupid happens, you could lose all your pictures and other valuable information. If you have a working computer with iTunes, you can backup manually to there and forgo the $1/month storage but be sure to regularly plug your phone into your computer. If you don't have a computer with iTunes, keep paying the $1/month or research some other solution to ensure your information is kept safe. I know we're dealing with a low income but at the same time we shouldn't be so reckless as to cancel things for the sake of saving a $1/month without understanding why you're paying it in the first place.
Thank you for bringing that up. I've seen people lose valuable photos because they were so quick to trim their subscriptions. If the iTunes charge does indeed refer to iCloud Storage and she uses it to back up her phone, don't cut it unless you're not attached to your data. For me personally, backing up my data is considered a "need" and not a "want" like a streaming service. Before you cut anything, just ask "Why am I paying this? And what is the consequence if I cut it? Is there a cheaper alternative? Can I negotiate a cheaper rate?"
I suggest you and this woman look at another UA-camr I follow: Oh My Goals. She does very well delivering food for GrubHub. Her husband lost his job and her full-time salary was cut. You pick it up from the restaurant and just drop it off on someone’s porch. You work when it’s convenient for you and they pay quite well and you can get tips. I’ll see if I can find a link to one of her episodes she talked about Grubhub, but I can’t promise anything. She’s well worth listening to anyway. All the best!
I love that you did this. My husband and I have been there. I hope in the future you do more of these videos. I’m a nurse and working on call as an aide you can pick up extra shifts and you get paid slightly higher because they don’t provide insurance, also working for an agency and picking up extra shifts helps too.
This is a real tough one. Some ideas to create wiggle room... look for furniture being given away. Spruce it up/clean it/fix it and then sell it through Marketplace or Craigslist. Because assistance is tied to income, start right away stocking a pantry in preparation for the dollar drop in assistance. The phone bill may be able to be reduced by using Red Pocket or Mint SIM cards. Their basic phone charges come closer to 20$ a month. Also if she is a good baker maybe baking and selling baked goods could help bring some extra money for sinking funds. The Internet cost is very reasonable and if it wasn't for Covid craziness I would consider dropping it for a few months. The local library could be a place to check for free/cheap entertainment too. Our library offers museum passes, movies, audiobooks, and art supplies. Also I think you can still buy plants/seeds with Foodstamps. Consider starting a garden in the spring, if that is possible where you rent. That budget is hard so if you read this you are doing great with what you have! Keep it up!
I feel for skye! I have had sleepless nights in the past and once i only had £3 left for the week for my kids to eat, but i got through it, skye and others can too 💪🏻
I have a suggestion, I am also a single mom of two kids with low income for now ( because I don’t really have childcare and I also want to be present) and student loans. I decided to put aside my tax returns to pay off debt and invest. Then transitioning to a full time job. Also let go of some friends and who care what anyone thinks.
Since she gets assistance with rent and food, once she makes more money they will decrease what she gets, so she is going to be in the same situation and feel like she’s not getting anywhere
That was going to be my comment. More income = less food stamps and assistance. When your income is low food stamp assistance is a true lifeline. Such a hard situation especially considering the student loans, with the interest and potential for default. Once you’re in default then your tax return immediately goes toward that and like Miko said they can garnish her wages.
It does but with her household # her income threshold is higher so she can make a pretty substantial increase and not be severely impacted by reducing assistance.
Side hustles. I also look for more income. I babysit when I can and having so many kids. The kids can entertain each other and make the parent bring they're own lunch. See if you could clean one or two houses on the side. Cut someone's grass. Sometimes you dont want to do those types of side jobs but put some pride aside and make yo shmoney
Also like the budget mom says. Sell on fb. I make it a goal to post 2-3 items a day. Dont go and sell your whole house but thing you KNOW you and your kids are no longer using.
I m listening to your video via headphones, and at first I thought my headphones don't work anymore bc I only hear you talking on my right ear... But during your intro the sound was just fine and the sound was stereo. I checked with other vids, so just wanted to let you know that there might be a technical sound issue
Were you watching on a phone and then rotated it? I noticed that once I rotated my phone to landscape and it immediately went away once I sat it straight up again. Did it again to confirm and that was the problem.
This series you have helping everyday people is amazing. Thank you for the invaluable information. With public assistance just be mindful of any income requirements. I increased my income and had to be taken off food stamps so just make sure that's included in the plan as well
Would definitely like to see a video with people on SSI or RSDI income as well in the low income category.. I’ve already cut down a few of my fixed expenses for the next coming month like my car insurance & cable but still don’t have any $$ left over after and I’m behind on my cell bill $1,000 worth yet and need some help & recommendations and that’s pretty much my debt I have right now..
My recommendation for Skye is to cut out her cell phone bill. She can bring her own phone to Qlink and they will give her a free government number with Unlimited calls and text plus 4.5 GB of data a month. She qualifies since she’s on food stamps. She would have $720 a year to put into her sinking funds for birthdays/ Christmas
Does anyone else only hear Kumiko's videos in the left ear only? I'm not sure if it's just my computer settings, but her videos seem to be the only videos that do it :(
Angela Jasmine, Oh my goodness yes, I only hear her videos in the left ear only! I thought it was my earbuds getting old. I did notice that the music in her opening thing comes through both left and right. But as soon as Miko starts talking, it’s only in left ear. I bet she doesn’t know.
She could also get water, electric and internet paid with assistance and save there. Getting assistance when needed really helps with saving, getting ahead, and becoming self sufficient ❤️ I’m happy you talked about this!
I think the $10 is the discounted internet for school age kids, that’s what it is in my area, they don’t do it for free. Such a good suggestion to look into.
She can use Fetch Rewards and Ibotta, marketing surveys, and possibly a hidden talent such as restoring and selling old furniture to make extra cash. Being resourceful is the only way to get out of debt when you have that many kids and don't receive child support.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 47 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.
Very impressive!!! I'm going through a heartbreaking divorce right now and it saddens me. Right now, I could really use some investment advice or tips on investing. Last year I hesitated until the year ended without moving. This year I decided to try something because I'm very open to ideas on how I can invest. When I see your comment I believe that you have an experience in it that could be of great help to me. Hope you don't mind sharing?
Loved this video. I have 1 full year I split from my husband and have had to move back in with my parent's, I currently receive food stamps and am looking into finally finding a second job that will potentially make me earn way more money than my current part time job plus yo increase my monthly income. Yes that will probably completely cut my good stamps but like one commenter said there is always affordable soups and simple meals like rice & beans that can suffice. I finally feel more capable mentally to expand into the job market the split left me dazed & depressed but we must get back on our feet. Thanks for this video!
Was it mentioned that she’s working part time? There’s no way she’s working full time! 10 years ago when I worked at a daycare for $9 an hour, I brought home $295 a week! She’s making $299 biweekly! That’s illegal haha plus where is her children’s father/fathers!? In NJ if you don’t pay child support, you go to jail...
Kelly Post yea that part baffles me! I have $40k student loan and I’m not doing anything in my field but I’ve been working in the logistics industry bringing in income that doubles that. I hope she finds some kind of job with whatever skills she has to help her situation
College is a scam if you pick the wrong major or don't know to do internships or find connections. Also in some states the cost of college to average income is ridiculous.
As someone who has grown up in the spot of her kids and my parents still deal with poverty the truth is, she needs to get money under the table for now. She cant afford to loose her benefits but she needs money. No one likes to hear this but this is survival.
I avoided my student loans for a few years and omg huge mistake! I only have 11,000 to pay now. Thanks to your system, I will be paying them off sooner than I thought
Wow! Skye, you are one heck of a woman! Just watching these numbers caused me anxiety... I wish you just the best! Keep at it and I promise it will all get better!❤️❤️
hi, love the video but this is another one of your videos where your audio is only coming though on one side of the headset. It's left heavy nothing coming through the right side. I know it's not me. The intro jingle plays though both sides of the headset. but for whatever reason your mic audio isn't set to play though both sides of a headset. You may have to change the mic audio setting to mono, which forces the audio to come though on both sides equally
You got this Skye. Many blessings to you. I pray you come out like pure gold. “But he knoweth the way that I take: when he hath tried me, I shall come forth as gold.” Job 23 : 10 KJV
Hi, former state assistance recipient here. My current income in MS is 600.00 over the limit for foodstamps. ((I'm blessed, so many thousands of families are within 100 or less from getting help they need)) If my income suddenly dropped $600, I would only be able to receive $90 worth of foodstamps for a family of 3 (myself and 2 school children.) It's a trap, and once you get approved for assistance, it becomes very difficult to get out and get beyond the enormous gray area between "making enough to survive" and that ever lowering poverty ceiling.
The sound in this video and the last couple seem to be off. Its coming through very low with volume up all the way. My sound is just find watching other videos.
We have lived with food stamps before and we also have 6 kids. Even though I was married, we both lost our jobs in the same year and at our lowest point only made a combined income of 14k for 1 year. I found the least confusing way was to draw a box on my budget sheet that has my SNAP for the month and the amount I actually used. Then on the next month I would have the roll over + the new month as my starting benefits. The only time I added food in the real budget was if I went over our $900 for the month. It was rare but did happen occasionally. I also used an expense tracker sheet for each of my past due bills. I had the usual tracker with a running balance but I also had one for my mortgage, electric, our cell phone bill. Because our basic bills were more than our income, these 3 were always in a past due state. Having this rolling tracker of payments and new billing cycles (with due dates) came in so handy when negotiating with companies. As old billing cycles were paid off, I would highlight them in green so I could see how many months behind I was also.
And when I say basic, I mean basic bills. We went 4 years with no home internet, tv, or streaming service. If we couldn't find it free on our cell phone then we didn't watch it. Our movie time incolved connecting our phone to the TV and waiting through ads and buffering. (Surprisingly, a lot of kids now days do not even know what buffering is.) We could not even afford trash service (country living) so we had to bag our trash and take it to work to throw it away.
Im not sure how much she makes as a Healthcare aid. But some of these big box stores like wholefoods and target pay $15/hr. Double what the minimum wage is in her state. Also, Mint mobile is $15/mth for a phone for unlimted calls, texts and 4gigs. I would look around for a better paying job for the moment so you can get a little ahead and then make a more definitive career move. Necessity is the mother of invention. I would get the kids more involved in contributing financially or with chores so you have more time to work and gain more income. My mom worked two jobs and I babysat since I was 15 and before that I would cook, and clean along with my siblings so there was dinner always ready. We packed our own lunches, walked the dog and took the school bus or local bus to and from school. When there is a will there is a way to make it work.
Also, that is a lot of food stamps. Maybe meal planning and better shopping habits would leave her extra benefits left to bake bread, cookies or jams to sell for extra cash. If she has a limited time to work due to no childcare options other than school, she could apply to provide childcare through the state for other mothers looking to work and the state can pay her.
How would she be able to take on another job with six kids, that she has to take care of? As I see it that would mean expences for daycare og paying someone to take care of the children.
Those months where you get paid 3 times feel sooo good, and hopefully that helps give a little breathing room once or twice a year. Donating plasma is a great way to increase income and it is not taxed, if you are physically able to donate and are qualified to be a donor. Also, depending on how old the kids are, if they are old enough to help by getting a part-time job to help cover their own costs, that would help get closer as well. It would be great if we could get a follow-up of Sky’s situation 💚💙💜
Depending what state she’s in or I’m assuming all states. If you’re getting section 8 and food stamps, she should qualify for cash aid. So I’m confused to why she doesn’t receive that. BUT , there must be a reason why she’s not getting cash aid especially for 6 kids. I wish you luck skye, it’s not easy but it can be done. ❤️
I live in NC- north of Charlotte and our local Aldi pays $14. (This is what one employee told me. Not sure on the reliability of their statement) and they’re always hiring and I’m sure they offer flexibility. Maybe suggest this to Sky 🤷♀️
This is a very tough situation. In PA, any money given to her would be considered an income and reducing the food stamps maybe even increasing her housing. It's a trap, so hard to get out of. I give her all the credit for trying to better their lives. But I know it's a daily struggle.
I'm a single mother of 2 I work full-time but my income is low so I'm able to get assistance with food and child care. I live with my mother but still pay rent. I had my paycheck garnished 15% due to not paying student loans. I'm now on income based payment for the loan. My payment is 0 and it's no longer in default.
She should be able to get a finance need deferment due to her income and qualification for assistant. Payments are income based. with her pay and number of children she most likely wont have loan payments till she makes more money.
Yes, any increase in income she has to report to the government and the kicker there is it will cause a decrease in assistance. I used to work as an CNA, and the income was sufficient for my circumstances, but it is another ball game here. In addition to that where you live in the country will dictate how much you make as a Home Health/Nurse Aide. And dependent on what she went to school for, try to utilize that education in adding to skills on a resume to ger another job to see if that can help her come off of assistance. And if the father(s) are not assisting, I would look into reporting that for child support, ensure she uses that child support for the children only and keep record of those expenditures on each child to keep a track record on how that money is used for that child responsibly so the father's do not have a reason to say the money is used irresponsibly like we learn in Nursing school CYA (Cover Your A*#); and any extra income she earns go towards her debt, and be honest with the government as if you do not report it, those college student loans won't mean a thing and one can bring more trouble than that is already present. The government does help but work with them and be careful of your dollars and save any way that she can. Prayers to you Miss Skye, keep your head up and do your best, times are even tougher now and I can only imagine what you endure. SOON all this will be over, trust in Jehovah God and He will provide for what you and your children need! Matthew 6:33
I agree with the previous comments. This was incomplete advice. If she makes more money she has to be concerned about additional childcare and a loss in assistance. Please address this. Looking forward to reviewing your other videos for your insight on similar matters.
i get 160 a week plus i get food stands and a health card from united health care so im okay. i dont have to pay for electricity and i dont drive so dont pay for gas
I was a care aide single mother of two children. I suggest going for a job that’s NOT private. Private CA’s don’t get paid nearly as much as nonprivate. Our private CA’s make roughly $18 an hr as nonprivate makes $24-26.
The SNAP income limits for her household are $4,227 gross per month. She’s expected to spend 30% of her own resources on food. So if she increases her income, she’ll receive lower benefits eventually but it will still mean she has more to spend each month as long as she does not exceed the section 8 income limits
Yes but the family income for a family of her size would keep her on aid till she is above poverty level. If she was making $4000 mouth for a family of 7 it is still poverty.
Heads up, the Amazon fee is so low because she's likely getting the state discount which helps with grocery delivery. So she may not be able to get rid of that one
How in the world is it possible to accumulate all that student debt, and only end up with a minimum wage job? Where are the childrens fathers - why are they not contributing to their childrens care? This woman needs to start working fulltime. I read under here that she might loose the benefits, but it would be possible to get a job that pays more than the state provides. She should aim for a job that pays 3K a month or more. I totally agree with Budget Mom, she will not grow without going after a better paid job, or a second job. Her budget will go in minus every month due to kids growing, they need clothes, school supplies, haircuts, her own expenses, drs appts etc.
wont making more money cut her help from the government? It would where I live in Denmark. If so I don't thinks it''s good advice to say "earn more money" and "cut $7 out of your budget".. Before she makes more money she should be able to make more than what she gets in help if it's gonna help her out in a real way. Maybe there are organizations where she can recieve additional help without being deducted in her help until she gets on her feet. Maybe the father(s) can help her out?
I have a question. I'm trying to figure out my budget and my husband is the only income coming in. Well he gets paid every Monday but the thing is he gets paid different amounts every week. The thing is how can I get this income o b the budget paper what should I do to figure out what the total monthly income would be if its always different
My partners the same. Look back and find the lowest month/week he might make. We figured what my partner would make flat without bonuses or incentives. That’s our base. Once you now the least amount you could make monthly or weekly, use that to make your budget. This way you know if there will be gaps or that everything is covered. Hope that helps!
Girl! Get on fed loan.gov & sign up for an income based repayment plan if it's not too late. Immediately following my deferment being up I applied. My payment is 0 is on time every month & I'm 5 years into my 10 yr forgiveness.
Sad that she is not receiving child support, I wonder if she is a widow? Praying for her and her family. I'm not a big fan of student loans, in this economy they just don't pay. Ironically both my husband and I paid off our loans with jobs that didn't require a degree.
Unless her emergency fund is kept out of the bank, it will go against her housing and food assistance. In my state it would eliminate one or both programs.
I am SO happy you FINALLY did a real life budget for someone receiving state assistance. I'm on disability this helped a lot!!! Please find more like this
I know it’s something that is rarely done on UA-cam that’s why I started doing videos
Thank you for addressing low income earners. I was a single mom who struggled. I am totally on my feet now but there are many more people in this situation right now than we care to admit.
It is unfortunately. Me too.
@@juliannaokike3359Me too. Struggling badly.
Congratulations Sky. 1st step reaching out to Kumiko for help. You’ve got this! I’m rooting for you. Your an amazing mom in setting a wonderful example for your children with planning, setting goals and working hard. You can accomplish your hearts desires. Keep us posted. Blessings to you and the budget mom team.
All the people giving suggestions in this comment section is heartwarming.
I know right? So nice to see people trying to actually help and not judge.
I say keep the $7 per month in "luxury expenses". I don't think $7 is going to make any difference in the budget but will make her feel deprived. I only ever received housing assistance one and when I got a part-time job I lost that assistance. Moreover, I did not take home any additional income due to losing 20% to taxes, 30% to the increased rent and the other 50% to daycare costs. The system does not encourage people to get ahead. They penalize them for trying. If she makes an extra $300, her rent is likely to go up $100, she will lose $60 to taxes and who knows how it might affect her food stamps.
With 6 kids amazon prime video is probably a must especially with no cable.
@@shola7987 I was thinking the same thing between a mental reprieve and honestly the fact that groceries come to your door! We have no idea how old her children are and it may be too difficult to cart them to the store & shop.
Sandy Seibel Hager a very distorted system when you are encouraged not to get ahead.
Government assistance is a broken program. It needs to be totally redone.
Exactly. She'll have to muster up the encourage herself.
She needs to apply for income based repayment for her student loans. She would definitely get the $0 monthly payment. This will keep her out of default.
words out of my mouth!!
That’s what I was going to say. I’m on the IBR plan and it’s been a godsend
thats why i do as im on repayment plan since im on goverment assistance
Tell sky to look into LIHEAP or some sort of budget billing with her utility and water companies. Heck, have her reach out to a local church for assistance with those fixed expenses for a time. Have her look into essential worker childcare vouchers in her state to put her children in daycare so she can work more. That program will exist through December 31. I also recommend getting enrolled in income based repayment if they are federal loans. Loans will be forgiven after a certain number of years- even if your payment each month is 0, it counts as a monthly payment towards that forgiveness. Next recommendation: save tax returns for birthdays and Christmas. Next recommendation: girl, you gotta get child support. Period, end of story. Her ex has an equal financial obligation to kids! It HAS to happen!
I say skimp on birthdays and Christmas this year, get a CNA license and quadruple her income. If the State pays for it, she can buy gifts. Yes, her assistance will be affected but that should give her the impetus to keep grinding and move up in her career and no longer need assistance. If the kids aren't disabled, they may need to work to help out.
The problem with your analysis is this: Yes, there is an income problem. However, if she only increases income by a couple hundred a month, she is at risk for losing her state assistance benefits. She would need to make a larger jump in income to cover the difference in the state benefits plus increasing her budget. Also her $7 "luxury" expenses are pennies in comparison to the larger problem. I suggest keeping those so she can try to keep her sanity. Sounds like she doesn't have cable, so these are her entertainment items.
No she's not. They work with the people they help. Increasing will mean less food stamps, which is crazy because food is expensive, and it will also increase her portion of rent. But it evens out.
I kind of agree (my children and I went without cable, Netflix, etc. for years even without financial hardship so I can't totally agree). I'm not sure of the public transportation situation where she lives, but a bus pass would free up gas, car maintenance, car insurance, and windshield sticker costs. In Chicago, children under a certain age ride free and high school and college students get a discount or ride free.
The more income she makes the more she will have to pay for her portion or rent and she will lose some food stamps. They will not take away her housing but she could eventually end up paying the whole rent (if the full rent is less that 30% of her income) and she will lose food stamps if she brings in too much money. So if she started making $1,500 extra per month, she would lose her foodstamps and have to pay about $300 in rent....So, ultimately she would be making $1,500 extra per month but really she’s only making $200 extra. Yeah she’s more self sufficient but in order for her to be able to cover all the bills herself and pay off debt she is going to have to make a lot more money. They make it hard to get off government assistance once you get on it, most people can’t afford to get off assistance until after their kids grow up and move out.
@@domoniquesacco4964 You're basically saying what I was saying. My point is that she would need a MUCH larger income to offset losing benefits or it's not worth it to just make a few hundred extra month, or whatever that magical number is. I used to be in the same situation.
@A Cameron Any extra money you start earning when you are receiving a housing voucher or food stamps will lower the amount the Govt. gives you. You either have to make A LOT more money, or you have to stay at a low income to continue to receive your benefits.
I’d like to pay her $7 expenses for her for a year. I’m very serious. I’m sure one lets her kids watch tv and the other is memory for her phone. If there’s a way I can get in touch to pay these, please let me know.
Same. I'm happy to give her a month's worth of her sinking funds.
@@verhanikawillhelm she has a channel on here, it's called Skye's Life.
It would be awesome if we could somehow coordinate a TBM support network. I live in NC and someone like me who is out of debt and further in my journey could mentor her IRL.
I’m from NC! Living in Texas now. I totally agree! I’m out of debt, been doing TBM system for about 2 years now. I can probably help if you have questions.
There is a mentor program in the TBM Facebook group! I have 2 people I talk to about budgeting and Ive met a third from mikos livestream on instagram.
Love the people who follow miko. So many lovely people!! I love the positive space.
My husband and I are low income as well. For her Electric and Gas I would see if her county has a HEAP and/or PIPP program. We bought a house in December and were told the electric would be around $200..it was $400. I went in to get help because we couldn't afford it and now our electric is $97 every month. It has been a life saver.
This is such a sad situation... hopefully she gets the help she needs and a better job. It’s so unfair to have such high students loans for such low paying jobs out there..praying for her and good job on helping her step in the right direction!
I love this 😍 helping others become a better version of themselves
I hi
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Mom
Miko, can you please show a budget for those of us on Social Security Disability, SSI or other monthly source of income with part time jobs to help supplement?
I would also appreciate this
I agreed with that too
I’m glad you did this budget.
I’m also really confused on the income. I worked as a CNA in MN for 18 months around 2006-2007 at a nursing home. Take-home pay was almost $10/hr, so working a typical schedule (avg 40 hours/week), my take-home on each bi-weekly paycheck was close to $800, not $299. Month income close to $1600, not under $600.
Either she is being paid less than $5/hr, or she’s working less than 15 hours a week!
For a family of 7 (6 kids plus mom), that $1600 would still put her well below the federal poverty line of $40,000, so shouldn’t affect her housing or food stamps, but would give her more budget flexibility.
If she's a single mom of 6 young kids, then she probably isn't able to work full time. I was a nanny for a family with 9 kids, and thinking back I didn't have any free time, and I was just a nanny, not a full time care giver.
As I listened to the income that this woman with 6 children is taking in, honestly, I was shocked. But there is always someone doing worse. For example, there are millions who are unemployed and wish they had 200 checks every two weeks as they have literally no money at all..but I will say this, I am always wishing I had more money and thinking of ideas to make more feeling like I do not make enough, and the truth is I really do need money, however at the same time, I will NEVER complain about my pay again after hearing this woman's story. Never will I complain again...
Skye, if you're watching this I need to ask... do you have an iPhone and is the $1 for iCloud Storage? If that's the case, I would advise you do NOT get rid of that $1/month charge unless you know how to back up your phone. If you stop paying that, your phone will not backup to the cloud and if something stupid happens, you could lose all your pictures and other valuable information. If you have a working computer with iTunes, you can backup manually to there and forgo the $1/month storage but be sure to regularly plug your phone into your computer. If you don't have a computer with iTunes, keep paying the $1/month or research some other solution to ensure your information is kept safe. I know we're dealing with a low income but at the same time we shouldn't be so reckless as to cancel things for the sake of saving a $1/month without understanding why you're paying it in the first place.
Thank you for bringing that up. I've seen people lose valuable photos because they were so quick to trim their subscriptions. If the iTunes charge does indeed refer to iCloud Storage and she uses it to back up her phone, don't cut it unless you're not attached to your data. For me personally, backing up my data is considered a "need" and not a "want" like a streaming service. Before you cut anything, just ask "Why am I paying this? And what is the consequence if I cut it? Is there a cheaper alternative? Can I negotiate a cheaper rate?"
You can back up to google photos for free, even on apple products. Google has a lot of great free products you can use.
I suggest you and this woman look at another UA-camr I follow: Oh My Goals. She does very well delivering food for GrubHub. Her husband lost his job and her full-time salary was cut. You pick it up from the restaurant and just drop it off on someone’s porch. You work when it’s convenient for you and they pay quite well and you can get tips. I’ll see if I can find a link to one of her episodes she talked about Grubhub, but I can’t promise anything. She’s well worth listening to anyway. All the best!
I love that you did this. My husband and I have been there. I hope in the future you do more of these videos. I’m a nurse and working on call as an aide you can pick up extra shifts and you get paid slightly higher because they don’t provide insurance, also working for an agency and picking up extra shifts helps too.
This is a real tough one. Some ideas to create wiggle room... look for furniture being given away. Spruce it up/clean it/fix it and then sell it through Marketplace or Craigslist. Because assistance is tied to income, start right away stocking a pantry in preparation for the dollar drop in assistance. The phone bill may be able to be reduced by using Red Pocket or Mint SIM cards. Their basic phone charges come closer to 20$ a month. Also if she is a good baker maybe baking and selling baked goods could help bring some extra money for sinking funds. The Internet cost is very reasonable and if it wasn't for Covid craziness I would consider dropping it for a few months. The local library could be a place to check for free/cheap entertainment too. Our library offers museum passes, movies, audiobooks, and art supplies. Also I think you can still buy plants/seeds with Foodstamps. Consider starting a garden in the spring, if that is possible where you rent. That budget is hard so if you read this you are doing great with what you have! Keep it up!
I feel for skye! I have had sleepless nights in the past and once i only had £3 left for the week for my kids to eat, but i got through it, skye and others can too 💪🏻
I have a suggestion, I am also a single mom of two kids with low income for now ( because I don’t really have childcare and I also want to be present) and student loans. I decided to put aside my tax returns to pay off debt and invest. Then transitioning to a full time job. Also let go of some friends and who care what anyone thinks.
Love what you do.. You are soo inspiring. Wish we have more ppl like you 😊
Since she gets assistance with rent and food, once she makes more money they will decrease what she gets, so she is going to be in the same situation and feel like she’s not getting anywhere
That was going to be my comment. More income = less food stamps and assistance. When your income is low food stamp assistance is a true lifeline. Such a hard situation especially considering the student loans, with the interest and potential for default. Once you’re in default then your tax return immediately goes toward that and like Miko said they can garnish her wages.
It does but with her household # her income threshold is higher so she can make a pretty substantial increase and not be severely impacted by reducing assistance.
Also getting a second job, may mean her children would be unsupervised. That would result in the possible lost of child custody.
Side hustles. I also look for more income. I babysit when I can and having so many kids. The kids can entertain each other and make the parent bring they're own lunch. See if you could clean one or two houses on the side. Cut someone's grass. Sometimes you dont want to do those types of side jobs but put some pride aside and make yo shmoney
Also like the budget mom says. Sell on fb. I make it a goal to post 2-3 items a day. Dont go and sell your whole house but thing you KNOW you and your kids are no longer using.
I m listening to your video via headphones, and at first I thought my headphones don't work anymore bc I only hear you talking on my right ear... But during your intro the sound was just fine and the sound was stereo. I checked with other vids, so just wanted to let you know that there might be a technical sound issue
Thank you!!
Yes, the last video was the same way even on the speakers on my computer.
I have the same issue.
Were you watching on a phone and then rotated it? I noticed that once I rotated my phone to landscape and it immediately went away once I sat it straight up again. Did it again to confirm and that was the problem.
Tyari the same happened with my phone. Switched to tablet and the one earphone thing. Hopefully itll be fixed since Kumikos aware now.
This series you have helping everyday people is amazing. Thank you for the invaluable information. With public assistance just be mindful of any income requirements. I increased my income and had to be taken off food stamps so just make sure that's included in the plan as well
Would definitely like to see a video with people on SSI or RSDI income as well in the low income category..
I’ve already cut down a few of my fixed expenses for the next coming month like my car insurance & cable but still don’t have any $$ left over after and I’m behind on my cell bill $1,000 worth yet and need some help & recommendations and that’s pretty much my debt I have right now..
My recommendation for Skye is to cut out her cell phone bill. She can bring her own phone to Qlink and they will give her a free government number with Unlimited calls and text plus 4.5 GB of data a month. She qualifies since she’s on food stamps. She would have $720 a year to put into her sinking funds for birthdays/ Christmas
I'm happy miko tried to help..the first thing the mom needs to do is get a hold of the baby dady (s)..i would not be struggling alone.
Oh yes it will. I have taken my ex back to court so many times. An still waiting
Does anyone else only hear Kumiko's videos in the left ear only? I'm not sure if it's just my computer settings, but her videos seem to be the only videos that do it :(
I’ve been experiencing the same thing
🙋🏽♀️
Same
Angela Jasmine, Oh my goodness yes, I only hear her videos in the left ear only! I thought it was my earbuds getting old. I did notice that the music in her opening thing comes through both left and right. But as soon as Miko starts talking, it’s only in left ear. I bet she doesn’t know.
She could also get water, electric and internet paid with assistance and save there. Getting assistance when needed really helps with saving, getting ahead, and becoming self sufficient ❤️ I’m happy you talked about this!
If she is low income and had school aged children, she may qualify for free internet!
I think the $10 is the discounted internet for school age kids, that’s what it is in my area, they don’t do it for free. Such a good suggestion to look into.
@@johannakline2899 yea, it probably depends on location
She can use Fetch Rewards and Ibotta, marketing surveys, and possibly a hidden talent such as restoring and selling old furniture to make extra cash. Being resourceful is the only way to get out of debt when you have that many kids and don't receive child support.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 47 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.
Very impressive!!! I'm going through a heartbreaking divorce right now and it saddens me. Right now, I could really use some investment advice or tips on investing. Last year I hesitated until the year ended without moving. This year I decided to try something because I'm very open to ideas on how I can invest. When I see your comment I believe that you have an experience in it that could be of great help to me. Hope you don't mind sharing?
Loved this video. I have 1 full year I split from my husband and have had to move back in with my parent's, I currently receive food stamps and am looking into finally finding a second job that will potentially make me earn way more money than my current part time job plus yo increase my monthly income. Yes that will probably completely cut my good stamps but like one commenter said there is always affordable soups and simple meals like rice & beans that can suffice. I finally feel more capable mentally to expand into the job market the split left me dazed & depressed but we must get back on our feet. Thanks for this video!
How do you have $40,000 in student loans and have a job that is bringing in less than $600 PER MONTH??!!
Was it mentioned that she’s working part time? There’s no way she’s working full time! 10 years ago when I worked at a daycare for $9 an hour, I brought home $295 a week! She’s making $299 biweekly! That’s illegal haha plus where is her children’s father/fathers!? In NJ if you don’t pay child support, you go to jail...
Kelly Post yea that part baffles me! I have $40k student loan and I’m not doing anything in my field but I’ve been working in the logistics industry bringing in income that doubles that. I hope she finds some kind of job with whatever skills she has to help her situation
@@brroookkeee it was mentioned that she worked nearly full time and NC minimum wage is $7 and some change :(
College is a scam if you pick the wrong major or don't know to do internships or find connections. Also in some states the cost of college to average income is ridiculous.
Ashley Trott It just doesn’t add up even with 30 hours at $7 an hour to take home $295 every two weeks. Something is missing
As someone who has grown up in the spot of her kids and my parents still deal with poverty the truth is, she needs to get money under the table for now. She cant afford to loose her benefits but she needs money. No one likes to hear this but this is survival.
I avoided my student loans for a few years and omg huge mistake! I only have 11,000 to pay now. Thanks to your system, I will be paying them off sooner than I thought
Wow! Skye, you are one heck of a woman! Just watching these numbers caused me anxiety... I wish you just the best! Keep at it and I promise it will all get better!❤️❤️
hi, love the video but this is another one of your videos where your audio is only coming though on one side of the headset. It's left heavy nothing coming through the right side. I know it's not me. The intro jingle plays though both sides of the headset. but for whatever reason your mic audio isn't set to play though both sides of a headset. You may have to change the mic audio setting to mono, which forces the audio to come though on both sides equally
You got this Skye. Many blessings to you. I pray you come out like pure gold.
“But he knoweth the way that I take: when he hath tried me, I shall come forth as gold.”
Job 23 : 10 KJV
I would be curious what she went to school for the obtain the student loans... wouldn’t that help her to get a better job?
Hi, former state assistance recipient here.
My current income in MS is 600.00 over the limit for foodstamps. ((I'm blessed, so many thousands of families are within 100 or less from getting help they need))
If my income suddenly dropped $600, I would only be able to receive $90 worth of foodstamps for a family of 3 (myself and 2 school children.)
It's a trap, and once you get approved for assistance, it becomes very difficult to get out and get beyond the enormous gray area between "making enough to survive" and that ever lowering poverty ceiling.
The sound in this video and the last couple seem to be off. Its coming through very low with volume up all the way. My sound is just find watching other videos.
I LOVE EVERYTHING ABOUT THIS!! you are making a BIG DIFFERENCE
I'm early and you are amazing. I love you, thank you for this!!!
We have lived with food stamps before and we also have 6 kids. Even though I was married, we both lost our jobs in the same year and at our lowest point only made a combined income of 14k for 1 year. I found the least confusing way was to draw a box on my budget sheet that has my SNAP for the month and the amount I actually used. Then on the next month I would have the roll over + the new month as my starting benefits. The only time I added food in the real budget was if I went over our $900 for the month. It was rare but did happen occasionally.
I also used an expense tracker sheet for each of my past due bills. I had the usual tracker with a running balance but I also had one for my mortgage, electric, our cell phone bill. Because our basic bills were more than our income, these 3 were always in a past due state. Having this rolling tracker of payments and new billing cycles (with due dates) came in so handy when negotiating with companies. As old billing cycles were paid off, I would highlight them in green so I could see how many months behind I was also.
And when I say basic, I mean basic bills. We went 4 years with no home internet, tv, or streaming service. If we couldn't find it free on our cell phone then we didn't watch it. Our movie time incolved connecting our phone to the TV and waiting through ads and buffering. (Surprisingly, a lot of kids now days do not even know what buffering is.) We could not even afford trash service (country living) so we had to bag our trash and take it to work to throw it away.
Im not sure how much she makes as a Healthcare aid. But some of these big box stores like wholefoods and target pay $15/hr. Double what the minimum wage is in her state. Also, Mint mobile is $15/mth for a phone for unlimted calls, texts and 4gigs. I would look around for a better paying job for the moment so you can get a little ahead and then make a more definitive career move. Necessity is the mother of invention. I would get the kids more involved in contributing financially or with chores so you have more time to work and gain more income. My mom worked two jobs and I babysat since I was 15 and before that I would cook, and clean along with my siblings so there was dinner always ready. We packed our own lunches, walked the dog and took the school bus or local bus to and from school. When there is a will there is a way to make it work.
She needs to get support from these kids dad. I was curious also about child care. Are they older kids?
6 kids where’s the dad
To many damn ads for at 18 min video, you don’t need to put 8 ads
She can do instacart grocery delivery or door dash. This is for anyone with low income who needs more money to save or pay debt
Also, that is a lot of food stamps. Maybe meal planning and better shopping habits would leave her extra benefits left to bake bread, cookies or jams to sell for extra cash. If she has a limited time to work due to no childcare options other than school, she could apply to provide childcare through the state for other mothers looking to work and the state can pay her.
How would she be able to take on another job with six kids, that she has to take care of? As I see it that would mean expences for daycare og paying someone to take care of the children.
Those months where you get paid 3 times feel sooo good, and hopefully that helps give a little breathing room once or twice a year. Donating plasma is a great way to increase income and it is not taxed, if you are physically able to donate and are qualified to be a donor. Also, depending on how old the kids are, if they are old enough to help by getting a part-time job to help cover their own costs, that would help get closer as well. It would be great if we could get a follow-up of Sky’s situation 💚💙💜
Depending what state she’s in or I’m assuming all states. If you’re getting section 8 and food stamps, she should qualify for cash aid. So I’m confused to why she doesn’t receive that. BUT , there must be a reason why she’s not getting cash aid especially for 6 kids. I wish you luck skye, it’s not easy but it can be done. ❤️
I know in ohio you are only allowed 3 years of TANF(cash assistance) so once you use up your 3 years in a lifetime you dont qualify no more
My question is if she has 6 kids and a single parent how would it be possible to have a second job ? Most daycares are only open x amount of hours.
Love these type videos!
I live in NC- north of Charlotte and our local Aldi pays $14. (This is what one employee told me. Not sure on the reliability of their statement) and they’re always hiring and I’m sure they offer flexibility. Maybe suggest this to Sky 🤷♀️
God bless you.
Thanks for the videos really helpful! : )
This is a very tough situation. In PA, any money given to her would be considered an income and reducing the food stamps maybe even increasing her housing. It's a trap, so hard to get out of. I give her all the credit for trying to better their lives. But I know it's a daily struggle.
I'm a single mother of 2 I work full-time but my income is low so I'm able to get assistance with food and child care. I live with my mother but still pay rent. I had my paycheck garnished 15% due to not paying student loans. I'm now on income based payment for the loan. My payment is 0 and it's no longer in default.
She should be able to get a finance need deferment due to her income and qualification for assistant. Payments are income based. with her pay and number of children she most likely wont have loan payments till she makes more money.
Why do you never have clothing in your budget? Clothes alone for 3 kids is a lot even though I shopped at Goodwill and resale shops.
How do you go about getting your personal budget reviewed? I have been struggling to fix mine and we are in the low income bracket.
How do you create your budget sheets
I sooooo appreciate this!
Is there a way to submit a budget for this type of video? I could really use the help!!
Yes, any increase in income she has to report to the government and the kicker there is it will cause a decrease in assistance. I used to work as an CNA, and the income was sufficient for my circumstances, but it is another ball game here. In addition to that where you live in the country will dictate how much you make as a Home Health/Nurse Aide. And dependent on what she went to school for, try to utilize that education in adding to skills on a resume to ger another job to see if that can help her come off of assistance. And if the father(s) are not assisting, I would look into reporting that for child support, ensure she uses that child support for the children only and keep record of those expenditures on each child to keep a track record on how that money is used for that child responsibly so the father's do not have a reason to say the money is used irresponsibly like we learn in Nursing school CYA (Cover Your A*#); and any extra income she earns go towards her debt, and be honest with the government as if you do not report it, those college student loans won't mean a thing and one can bring more trouble than that is already present. The government does help but work with them and be careful of your dollars and save any way that she can. Prayers to you Miss Skye, keep your head up and do your best, times are even tougher now and I can only imagine what you endure. SOON all this will be over, trust in Jehovah God and He will provide for what you and your children need! Matthew 6:33
I’ve been trying to get the workbook spiral bound ordered for over 6 months now. It is always sold out 🥺😭
I agree with the previous comments. This was incomplete advice. If she makes more money she has to be concerned about additional childcare and a loss in assistance. Please address this. Looking forward to reviewing your other videos for your insight on similar matters.
$299 not enough money, she needs more assistance. I think she can apply for low income for gas and electricity. 🙏🏻
You rock budget mom 💪💪
i get 160 a week plus i get food stands and a health card from united health care so im okay. i dont have to pay for electricity and i dont drive so dont pay for gas
I was a care aide single mother of two children. I suggest going for a job that’s NOT private. Private CA’s don’t get paid nearly as much as nonprivate. Our private CA’s make roughly $18 an hr as nonprivate makes $24-26.
Where do you submit your budgets for review?
Omg so much student loans and barely getting paid anything?!!
I know! I thought the same thing. It is so sad that they allow people to take out so many student loans without the hope to pay them back! 😢
She didn't finish school
@@melanieshipley3133 Yes, it is but some people take out student loans just because they can, and not use it for education.
She also needs to apply Energy Assistance an WIC depending on age of Children
Visible wireless. $40/month. Unlimited. Verizon towers. Can be as low as $25.
Student loans: she can get income based payment amounts.
The SNAP income limits for her household are $4,227 gross per month. She’s expected to spend 30% of her own resources on food. So if she increases her income, she’ll receive lower benefits eventually but it will still mean she has more to spend each month as long as she does not exceed the section 8 income limits
Hi! How would I be able to be featured on one of these real life numbers? I could really use some help!
Are we able to send in this information for help? I could really use some help
I love love love these life budget videos we learn so much from them please upload more love you !!!’
Need more videos like this
If she earns more will she lose some of her assistance?
Yes, she will.
Yes but the family income for a family of her size would keep her on aid till she is above poverty level. If she was making $4000 mouth for a family of 7 it is still poverty.
@@wendykeith870 Thanks! Public assistance seems to encouage people not to improve their situations.
Heads up, the Amazon fee is so low because she's likely getting the state discount which helps with grocery delivery. So she may not be able to get rid of that one
How in the world is it possible to accumulate all that student debt, and only end up with a minimum wage job? Where are the childrens fathers - why are they not contributing to their childrens care? This woman needs to start working fulltime. I read under here that she might loose the benefits, but it would be possible to get a job that pays more than the state provides. She should aim for a job that pays 3K a month or more. I totally agree with Budget Mom, she will not grow without going after a better paid job, or a second job. Her budget will go in minus every month due to kids growing, they need clothes, school supplies, haircuts, her own expenses, drs appts etc.
wont making more money cut her help from the government? It would where I live in Denmark. If so I don't thinks it''s good advice to say "earn more money" and "cut $7 out of your budget"..
Before she makes more money she should be able to make more than what she gets in help if it's gonna help her out in a real way. Maybe there are organizations where she can recieve additional help without being deducted in her help until she gets on her feet. Maybe the father(s) can help her out?
How can I submit info?
Budgets@thebudgetmom.com
Consolidate your student loan?
I would keep the Amazon prime to buy groceries because they take EBT, again that's my opinion
I have a question. I'm trying to figure out my budget and my husband is the only income coming in. Well he gets paid every Monday but the thing is he gets paid different amounts every week. The thing is how can I get this income o b the budget paper what should I do to figure out what the total monthly income would be if its always different
My partners the same. Look back and find the lowest month/week he might make. We figured what my partner would make flat without bonuses or incentives. That’s our base. Once you now the least amount you could make monthly or weekly, use that to make your budget. This way you know if there will be gaps or that everything is covered. Hope that helps!
@@jessicasaniga2974 thank you
Girl! Get on fed loan.gov & sign up for an income based repayment plan if it's not too late. Immediately following my deferment being up I applied. My payment is 0 is on time every month & I'm 5 years into my 10 yr forgiveness.
Can Sky switch to straight talk and lower her bill or is that a landline
You can't have more then certain balance in savings to get assistance
She may be able to get a lower phone bill if she signs up for a prepaid plan like Verizon prepaid
Why water so expensive?
Sad that she is not receiving child support, I wonder if she is a widow? Praying for her and her family. I'm not a big fan of student loans, in this economy they just don't pay. Ironically both my husband and I paid off our loans with jobs that didn't require a degree.
How do you submit your personal budget?
Anyone else not get any audio...works fine on other videos
Unless her emergency fund is kept out of the bank, it will go against her housing and food assistance. In my state it would eliminate one or both programs.