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Coming back from financial disaster

Saturday, March 15, 2014

Coming back from a financial disaster. That's the goal. Real question is how. This time of year is a financial dead zone for petsitting. Always has been, but wasn't too bad before the economy crashed. I made enough to get by comfortably. Since the crash, I've depended heavily on the money I was paid for taking care of mother to get through until summer. I've spent years looking for something I could do from home. Most just didn't work with the space I have to work with. One actually backfired and left me heavily in debt. I started making soap and that shows promise (It's really good soap). A few months back I started making jewelry too, something I've dabbled with in the past. I had set up a shop on Etsy intending to sell the soap there (I should start listing soap soon). I put my first jewelry pieces online and it started getting views. Finally got my first sales. Yay!
It's going to be awhile before I can rely it for any real income, but it's a start. I'm focusing on paying my regular bills and hope to get funding to buy a new sewing machine so I can add tote bags, quilts, cat toys, etc... Oh, but I digress. The immediate future is truly frightening. One account overdrawn, another will be shortly, credit card over limit. The bank can't release my mothers remaining bank balance because I haven't had enough to renew my drivers license yet, my car insurance is due today and more bills coming very soon. I'm selling everything of my mothers I can, but haven't had many buyers yet. One of my clients donated a pair of shoes to sell, the woman at the cemetary felt so sorry for me she insisted on giving me a check to buy groceries. How sad is that? I'm trying to reach someone from church to see if they can help. People keep telling me I'm doing everything I can. It just doesn't seem to be enough.

Now I'm being harassed by an insurance company whose clients car I bumped into 2 years ago when my brakes failed.

4/29/14 I got desperate enough to set up a fundraiser account on Youcaring.com a couple days ago. So far not one person has cared enough to help. Am I too pathetic, not pathetic enough or just not worth anyone caring about?

5/15/14 So far I've gotten gotten $45 in donations. That combined with what's left of my mothers money took care of this months car insurance. Still have to pay the phone, storage and my PO Box. Can't run my businesses without the phone and PO Box. The storage unit has items I need for work also. I need to bring them up to date so I can go in to clean out the unit. I'm holding a yard sale this weekend. Hopefully it'll be a good weekend for yard sales. I was hoping to go to a gem show tomorrow to get more supplies for my jewelry shop. So far I don't have enough gas to even get there. Oh well. What's a person gonna do?
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Member Comments About This Blog Post
    I'm sending prayers that your financial situation will change soon. emoticon
    2697 days ago
    I have no real advice but I will send hopes and prayers your way.
    2698 days ago
  • GENRE009
    I send you something to stimulate your money situation. I want you to listen to what I have to say:
    1. you need to call a lawyer, and ask if you can get some kind of documentation to connect you to her money, monthly money, and also permanently if she dies. talk to her about it. You need an estate will. She is still a live right? then have her help with that.
    2.Take her into the bank, and connect your name into her accounts, Also where you don't need two signatures to take money out. Have her write you checks for your services in her care weekly also. Keep a copy of these checks, cause I don't think you have to pay taxes on them. Also charge her for services like eating, cleaning, rent, and take at least a certain amount out on paper daily- keep track. take to a lawyer about that also.
    3. You need to go to Social security, and also tell them that her care is costing you X amount, and that you need to take this from her disability, or social security? If this isn't the right department for that, then it's human services, where people get food stamps, call 211 -to find out .
    4. You apply for services at human services, but remember you food, and eating is separt, other wise they cute back your monies.
    email me, and tell me where you are having problems, and I will try to help you, take care. Also, the Jewelry thing, and soap to me isn't something that will bring you a lot of monies unless you have a place that has a big turn over of shoppers. mostly jewelry will go. But here in Michigan luxuries, aren't moving as well. you need constant monies. bye, eva
    2698 days ago
  • no profile photo CD2932352
    This is such a sad post. So many people have never recovered from the recession. The economy is just still so very bad. It seems you are doing what you can. The church may help. Are there other agencies that may be of assistance? Also, some places have free debt counselling where they draw up budgets and do debt consolidation. I am praying for you. God Bless! Bob.
    2698 days ago

    Comment edited on: 3/15/2014 11:16:05 AM
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