God has listened to my prayers(jk) and a check was sent to me in the mail. It will only cost me 600 dollars more to pay it off in the long run. This may buy me some more time in the short term while i get neck surgery but will screw me in the long run a little bit.

I don't tell many people this, but in the really bad years, I got check loans. My therapist said that if you sit in the lobby of a check loan place, that all the people coming in are down on their luck.

I finally had to just let them all bounce and then they came after me in small claims court, but I didn't have to pay any more interest and only court costs and the loan. (I discovered that just by chance and I've helped a lot of other people get out of check loans and my therapist uses it to help his clients--he said he had a lot of them--he didn't know I had check loans for years.) I've also done a bankruptcy, chapter 13, that I paid for 8 years.

Anyway, this could come back to bite you. It certainly did me.

Gotcha maybe i will hold off on it.

My therapist had me read a book called "Full Catastrophe Living"--I believe that is the name. What you are in is that. You are desperate. I've been there. I know. You do what you have to do at THAT MOMENT. I paid a huge price for those damn check loans. I really don't know how I made it out of that period of my life. But somehow I did.

I'm really angry that the bishop didn't help you. Did you talk to the lawyer? Any lawyers that work with SSI. I wish you lived closer. I'd send you to my sister who works with social services. She isn't a social worker, but she has worked for them for 20 years or more and she got both my disabled brothers on SSI.

They said the most i could get on SSI was 773.00 and that will not be enough.

This is the most that anyone can get on Social Security disability. In some states, it's really hard to qualify, I know it is in this state. I don't know about Idaho.

It's an unreasonable number and not even close to the amount people need to live off of, but just qualifying for it is, from my understanding, outside of the norm. If you truly believe that you can't work, you may consider taking it.

I have taken it but i might try to work part time which they do allow up to a certain amount. I can make 1170.00 a month without losing disability i just learned so i might try to work a little.

I have seen younger people (with a decent earnings history) get over a thousand dollars per month in Social Security disability (aka SSDI.) It all depends on how your earnings have been so far.

Well not good enough to get above 774

Cash it and put it in your sock drawer! Don't tell anybody you have it. Don't share with homeless. This money is keeping you from that situation. You will need it someday. Also, take good care of you. Do what you need to to get better or well. You were worried recently about money, here you go . Worry about paying it back later. Instead of stressing out your brain worrying about payback now, think pleasant, positive thoughts for today???

Don't worry about getting screwed in the long run. BYU Boner will save the day. Also, someone suggested a go fund me page to help you out, remember? You stress too much, Mr. Badassadam!

Invite positive energy into your being. Have a good day for once in a while. OK?

Learn wisdom from the old lady. That's what I gotta do.



Edited 1 time(s). Last edit at 10/05/2017 10:47AM by cutekitty.

Well i am stressed because i am almost broke and i am in pain and i need to get surgery asap but i have to wait a little while. Meanwhile i just feel like a dead person standing still with ptsd. I cant replenish my funds or pay all my bills. And who knows if my neck surgery will be the last thing i have unexplained nerve pain in the legs. F###ck me i just want to disappear.

Just make sure it isn't the counterfeit check scam, badassadam, before you cash it.

Btw, are you able to do p/t seasonal type employment help that does most of its hiring for the holidays? This would be a good time to check out who's hiring in your area.



Edited 1 time(s). Last edit at 10/04/2017 04:26PM by Amyjo.

Well i am going to an interview tomorrow but i definitely could only do part time.

I guess it depends on what type of check it is. If it's one of those loans from a commercial establishment, I wouldn't do it. Check the interest rate -- it will likely be ruinous.

Let your disability check cover your rent. Get your food from a food pantry. Google "food pantry [name of your county]." There has to be *some* food pantries in your area that are not affiliated with the Mormons.

Well i still have other bills. Maybe i should call the bishop now and say i am completely broke. The check is for 1095.00 and with the payments to pay it off will add up to 1600.00 about. So that is pretty high isnt it?

Don't cash the check. That interest rate is insane. It's like the payday loans that poor people get locked into. Don't do that! You don't have the money to be paying that kind of interest.

I did the math the interest rate is like 50%.

Are you going to be able to make the payments? That's the problem. The interest rate is really high obviously.

If you get that much in SSI, how much part-time work can you do and not lose that money? My brother works part-time and can earn what I consider quite a bit for someone on SSI.

It is just scary to me having been there. Those were absolutely the worst years. I couldn't even open my paycheck as I just knew it wouldn't cover the payments I had to make and I was working 2 jobs. My son would open it as I'd have a meltdown every time I got paid. I still do sometimes from PTSD from those years.

It would be great if you just got a check that didn't have to be paid back (which I think some people above are thinking it is).

I wish there was somewhere you could live without having to pay rent. I haven't seen much said about your mother. Can you live with your mother?

Is this check going to cover you for this month and then what? There has to be a more viable solution and, like you said, it might be time to go back to the bishop. I know how horrible it is as I've been there--going to the bishop. Tell him you are there--BROKE. Lie if you have to. Say you are broke. Say you need your rent and utilities paid for at least the next few months. They paid 4 of my house payments and my utilities for a few months. Lie and say you are broke and need surgery, etc. Really play it up. LIE!



Edited 2 time(s). Last edit at 10/04/2017 09:18PM by cl2.

Well i have to figure something out but i just dont care anymore. Its not like i have lived this awesome life and i need to save it. I have been going through the motions like a dead guy for atleast half of my life.

thing myself while also raising 2 kids. I didn't dare go get the mail as there was always bad news. I was banking with Wells FArgo and when I'd make a cash deposit after 2 p.m., the money wouldn't show up in my account until midnight THE FOLLOWING DAY--so it sat there for 1-1/2 days and they wouldn't let anything come through.

I got rid of all banking accounts. I lived in fear, just waiting for them to take my house. I did state recently that I realized one day that I could live at my dad's farm in the old, old house that was overrun by mice, etc., but I knew my dad would let me stay there. The people who bought the farm tore down the house. That is how bad the house was. I hated farming. I hated that farm until I lost my dad.

I was able to borrow money from my parents, but I always paid it back. One time I felt so bad about it, that I tore the check up on my way home as I felt so low. I still owe one family member some money. I know he doesn't expect me to pay it back as he has told me.

I took in 2 family members when they were down on their luck and I was in no place to do so and I got nothing for it.

I just don't know how I did it. After the worst was over, I would sit and sob.

I KNOW where you are at. I've been there. I know how desperate you are. I, too, wanted to end it and was trying to figure out how to take my 2 kids with me, and my dog. But I couldn't do it, so I stayed.

Life is so much better for me now. Yes, I do have bad days, weeks, months, but NEVER like it was when i was where you are at. You can treat someone with therapists, etc., forever, but until you are able to help them with their finances, you can't really help them because finance is the ONLY THING ON THEIR MINDS.

And I had my ex screaming at me all the time and his boyfriend telling me they were going to put me in the nut house and take my kids away from me.

There is hope. Believe it or not, my ex lived in my driveway in a motor home (that he bought with a loan against the house I wa spaying for) and paid me a whole $200 and I paid the house payment and all the utilities. My daughter got angry at him and so he started paying me $300 a month. That went on for 4 years. Then we started splitting the costs and he lives downstairs. That freed up my money BUT I STILL HAVE meltdowns about money. I don't have as much work as I used to and I should be fine, but I've been having a tough time with PTSD about those bad years. I really DO NOT KNOW HOW I got out of that place, but I did. I survived.

I will again state that if someone started a go fund me page for you, I will be happy to contribute as I KNOW what it is like. I've been paying a lot of things for my son and he lives here with us and he asks why and I say "Because I KNOW what it is like." He has a part-time job. I think he needs a mental health diagnosis. He wouldn't make it without us. I know he wouldn't. He is 32 in a month.

I am so depressed cl2. As i was filling out forms today for yet another employer in my life i just felt so let down in life. Let down by god, especially let down by religion, let down by family. My will to live is just not there, i dont even know how everybody else has one apparently they didnt go through what i have been through. I already accomplished everything i wanted to accomplish in life, why were my suicides blocked, it is bullsh#t its like a sick game that never ends. I was f#cked from the beginning being placed in a cult, ROYALLY f#cked.

Did you see or try for help with electricity?

https://www.idahopower.com/ServiceBilling/Programs/energyAssist.cfm

Don't do the check thing. It's a trap, and it is very, very high interest. Whoever it is from, go here:

https://www.google.com

and type in the company name followed by the word scam and start reading.


https://www.bondnbotes.com/2015/06/08/beware-of-quick-cash-offers/

I have a case worker looking into the electricity thing right now but any help program takes an eternity it seems like to do anything. The check is most definitely a trap but i dont really have a whole lot of options right now.

Amazon is doing a hell of a lot at home telephone people.

Not sure if i can do that i do not last long on phones.

DON'T CASH IT!
I do not know what state you live in but if you are on SS Disability or SSI, there is a way that you can earn some extra income that does not count against it or your subsidized housing. It is through a federally funded program called Associates for Training and Development. You have to find it in your area, call them and tell them you want to apply for"WORK". What it really is is an opportunity to have some retraining to get yourself back into the work environment. Usually a 15 to 25 hour work week. There are many different areas to chose from depending where you are. You just have to Google it and apply. They will help you in many ways.
GOOD LUCK I HOPE THIS HELPS YOU BADASSADAM

I dont think associates for training and development exists here.

Maybe this?

https://abletowork.idaho.gov/people/index.html

I tried voc rehab and i was not impressed at all.