No money, no food....overdrawn - and we don't get paid until Saturday

CAMSMOM1 wrote: I just got off the phone with my MIL who handles are finances, and we are 90.00 in the hole...overdrawn.

We have no money until Saturday, and NO FOOD in our house.


And you know what she told me, "I don't understand how you rather spend your money on FOOD than BILLS!" WTH?? So we are not suppossed to eat this week, so we can pay a bill that can wait until next week???? What is she thinking? Of course we spent our money on food, we don't have any! And now, we don't have any money or food left, and I don't know what we are going to do.


Just pray for us. Thank God we have some diapers, milk and soup.

Ann

luvmykids replied:

MM'sMama replied: I'm so sorry I no things get tough hang in there sorry I am not more help. P&PTs and lots of .

Freckled Momma replied: I am so sorry you are in such a tough spot

C&K*s Mommie replied: We have been where you are plenty of times, Ann... just be strong, there is always sunshine after the rain.

gr33n3y3z replied:
I dont understand if she handles your finances how can you be overdrawn and have no food and this be your fault and no money?

I hate to say this you will do alot better off with out her from the sound of things
Take control of your money aagin and dont let her touch it.
Sorry if I was a little harsh.

I pray that things get squared away with you but I can only see that happening when you get control of your money again.

Good Luck

MomToMany replied:
Ditto what Lisa said! Why is she handling your finances anyway?

TeagansMom609 replied: This is the story of our lives since Ive been on maternity leave! I know how you feel! We usually go to our parents houses and steal food from the freezer or just go there and eat their food. LOL! Just an idea!

My3LilMonkeys replied: Ann I have BTDT so I know how you feel. There were many times when I would wonder how our family was going to eat. We were lucky to have supportive relatives who would feed us. Also, get creative. You'd be surprised what you can make with the strange little odds and ends you find in your cupboards and fridge!

You will get through this and it will only make you stronger.

Maddie&EthansMom replied: We've been there, too when we were newly married. Luckily my parents lived close by and we could eat dinner at their house.

Take back the control over your finances, hun. This is ridiculous for her not to leave you any money with a small child in the house!

luvbug00 replied:

ITA! Done that plenty of times...

C&K*s Mommie replied: Gather some change together, if you have a change jar, cash that in and you might come up with enough to grab some cheese & bread at the store to make grilled cheese sandwiches. Or make some peanut butter and jelly sandwiches. As a last resort, and I am not trying to be funny~ Ramen noodles are loaded with sodium, but are a young families blessing sometimes. You can leave out the seasoning, and make a pasta salad with salad dressing.

Kaitlin'smom replied: Sorry that happened.

I agree how in the heck did she let that happen? she is supposed to be helping you. Take back controll.

coasterqueen replied: Sorry you are in this situation. I say take back control of your finances too.

Do you not have ANY food in the house? I say that because I'm notorious for saying there's no food in the house, but I could probably scrounge up several dinners. I'm terrible about that, lol.

We are always 'overdrawn' borrowing from our savings.

LilaGrace'sMom replied: I'm sorry you are going through this. It's just added stress no one needs and to have to hear the bad news from your MIL of all people!

I will keep you in my prayers...Saturday is tomorrow---you're almost there.

Boys r us replied: Yikes!! That's a bad bad situation! You need to get control back over your own finances! OR...if you still want her help in paying the bills, then set up a special checking account that will ONLY be for bill paying and ONLY money that can be spared for bills will go in there..meaning she has NO access to your family's money for food etc..

jcc64 replied: ITA with Lisa. Why IS she handling your money? Apparently she's not doing a good job, time to fire her.
I am like Karen- I am also notorious about claiming that we have nothing in the house, and you'd be amazed at what you find in the deep recesses of the freezer or pantry.
Do you have no credit? When things bottom out for us, we'd be lost w/o the credit cards.

5littleladies replied: That is frustrating!! Your MIL should NOT be leaving you with no money for food when you have a child in the house.

We are in pretty much the same situation right now. Jason gets monthly profit sharing at work-has nearly every months since he started there 9 years ago and we count that as part of our income and our food money was supposed to come from there this month. Well guess what? No profit sharing this month. They didn't even warn us! That is around $500 that we are missing this month and we were already running behind. I had to call my dad and ask him to help us out with our food money for the week. But I also find that if I do some serious scrounging I can find meals with what I have on hand-Last night we had scalloped potatoes and veggies. Yummy! and the whole meal couldn't have cost more than $3.

I hope you can come up with a solution.

moped replied: I have been there before too - and I don't like it!!!

I always say there is no food, but if I didn't go shopping for 6 weeks we could all eat just fine - so see what you can come up with!!!!!!

kimberley replied: i live in this world unfortunately. ITA about getting creative with meals. canned veggies, pasta, salad dressing or even olive oil goes a long way. and i always have ramen noodles in the house . hope things get better for you soon.

~Roo'sMama~ replied: I'm sorry! We're pretty much in the same boat too - the only reason we're not overdrawn is we have a line of credit on our checking account that the bank automatically draws from when we don't have enough to cover what we've spent. We have over $3000 that we owe for that now because Dh isn't making enough each month to cover our bills, food and gas.

Hang in there it will get better. Hopefully soon!!

Hillbilly Housewife replied:
They are. And they are so cheap.. lotsa different flavors.

I used to eat the shrimp kind - I'd just break the noodles, dump the sauce, shake, and eat them raw.


Oh - i've got several cheap food thing for crap around the house... I don't drive and often have to make things from scratch...

biscuits, cookies, pasta and soup.... good fillers that cost practically nothing...and are versatile! let me know - i can help

CAMSMOM1 replied: jcc64 Posted on Jan 20 2006, 10:58 AM



Well here's the story. (I'll try to keep it short so I don't bore you ) We got in a bad financil situation 6 months after Cameron was born. I decided to stay home with him for 6 months, and money got REALLY tight. We were paying everything late, including our house. We were selling our pocessions just to get out of the hole. Thank God we didn't use credit cards. So my MIL stepped up and said, that she could help us with our money, since she is accountant and does this for a living. We gladly took her up on it. She loaned us 5,000 dollars to get out of debt, and get on track. She set up a budget, ect. All of our bills go to her, which she then pays with our money. She gives us 40.00 each for fun money, and suppossivly sets aside money for groceries, which doesn't always happen.

She will pay any bill that comes in that week, regardless of the amount of money we will have left for groceries. "Bills come first." So we have learned to be frugile and make it work. The past 2 weeks, DH went on a spending spree, and went over our budget. So she told us, "You have 90.00 dollars this week for food and gas." So we both got some gas, and we thought we'd have 60.00 for food.

She forgot to tell us that other things had posted, and we only had 40.00 in actuality. So we went overdrawn. We only went overdrawn by 20.00, but with all the charges it is going to cost us 90.00 in bank fees.

I'm upset because she told me, "You guys would rather spend your money on food, than your BILLS!" That is her thinking! Of course we spent money on food, bills can wait a week until we get paid!

I am thankful for her help. We went from having a horrible credit score, and almost losing our house....to an almost perfect credit score and money in the savings, in less than a year. So she has done a great job, but her priorities are bills, and not if we eat!!!

Since we have a savings account, isn't that like overdraft protection I told her? There is money in the savings?? She said, it's besides the point.

When I was crying to her last night, she had no sympathy that we don't have any food. She said, "YOu guys put yourselves in this situation." True, we did in some ways. We should've been wiser last week, which we are paying for this week. But it is her job to inform us on what we have in the bank.

She also doesn't think we have learned anything this past year. She takes 2 weeks of bad choices, and acts like we did this an entire year. Plus, she has never taught me how to manage my money, since she is doing it.

It's sad, because we used to be very close. Now all we do is fight. Actually, she yells and I cry. She usually is such a sweet person, but she is ready for us to take over too. We are refinancing at the end of Feb., so just 2 more months of this. Hopefully we don't hate each other at the end of this all.

Thanks for the suggesstions on food ideas. We do have some Top Ramen soup, Mac and Cheese, some left over pizza. So we'll be fine. It just sucks being in this position.

If you read all of this, thank you. And thank you for all of your support.
Ann

gr33n3y3z replied: I know your thankful to her for helping you out BUT she should not run down YOUR funds like that.
I still say its time to take over your money and bills

MomToMany replied: ITA, give her the boot, especially if she's talking to you like that! So what if she's an accountant? it's just simple addition & subtraction. Take back your money now! It's a part of life, so you better get used to it.

MichaelsMommy replied: such a nightmare! We get in situations like this too.. Hang in there
this will pass.

fashionmumofboys replied: Ann, I'm so sorry about your MIL yelling at you and your financial problems at the moment. I hope things get better for you real soon.

I wish I lived nearby so I could help you.

If I could be of any assistance, PM me anytime.

Boys r us replied: I'm sorry!! Sounds like a yucky situation. however, if you have money in your savings account...then you should be able to buy food..right?!

ammommy replied:
That's what I was thinking. I hope it gets better.

CosmetologyMommy replied: did you try maybe calling a church that knows about a food pantry?

jem0622 replied: I am sorry that you are in this bind. We have been in bad spots. Our credit score stinks the big one. We are in a CH 13 right now.

I think on the one hand...her help has shown you what you can and cannot live without. But now that you are in a good place, I think it is time for you to take the reins. What if she were hit by a bus tomorrow? KWIM? You would have to handle it all anyhow.

We have a local ministry that is a godsend to many. For $25, you get A LOT of food. You do not have to be on public assistance to benefit. Simply pay the $25. I've thought about it.

She should not be telling you that you cannot draw from savings if you need milk for your son...something critical like that. KWIM?

HUGS