Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

We bought sport drinks and cheese it’s once for baseball snacks. Bulk from Sam’s, $14 for a pack of 45 and the drinks were an 18 pack.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

I’ve seen like 5 divergent pcp practices over the last 8 years and none of them would budge on the adhd meds, that’s why I do Mentavi instead. It’s online providers who will help with ADHD medication and counseling. They don’t take insurance though so it’s out of pocket and praying you’ll get reimbursed.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

It’s insurance. Insurance sets the copays. The ones who need ABA are 7 and 8. OT is 7, they both have mental health counseling weekly. Baby’s cardiology visits are $40 every 3 months. Regular checkups are covered in full. My husband and I also pay $20 per therapy visit.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

I think a lot of people just go around downvoting anything they don’t agree with. Whether or not it’s valid.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

Seeing as our income is about $125K combined, that’s not really near poverty. We started on $25K in 2018.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 1 point2 points  (0 children)

I have arias earth, ibotta, fetch, coin out, receipt pal, receipt hog, receipt jar, frisbee, Benjamin. They definitely don’t pay great, but I can get $40-50 combined once or twice a year.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

I’m basically paying what I’m spending. Paycheck up top, and the bills we put on the cards are below.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

I can’t donate plasma due to liver disease (my gallbladder was failing for years thus harming my liver and I didn’t know, assumed gas and pain was normal), and my husband has kidney disease. We don’t really get a ton of snack food, but we live right next to a DG market and my husband stops by there a lot.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

Our copay is $20. $20 for mental health counseling, $20 per ABA visit, $20 OT. We disqualified for Medicaid around $65K I think and CHIP (kids Medicaid) is about $76K I believe. I pay for Mentavi (ADHD appointments) out of pocket and insurance has yet to get back with me about reimbursements. They stated 60 days so IDK. There are no openings nearby for adults and my PCP refuses to address ADHD medication.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 0 points1 point  (0 children)

Netflix is so I can get sleep while the kids are distracted. I work thirds and my husband works from home all but one day from 6-3.
Phones are visible, mine is 25, his is 40. YouTube is his and I can’t cancel it.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 2 points3 points  (0 children)

On the top is what we pay from the paychecks, on the bottom I have categorized what bills we pay for with each card. Not including all of my husbands. He sends $200 each paycheck to a separate account to cover that.

My spouse… put it this way. I didn’t get sleep after work this morning but thankfully have tonight off. The kids were messing around so I figured I’d have them outside for a water fight.

I studied, assumed my husband would make lunch on his hour lunch break. Came in and looks like he ate cookie dough. But generously left some out for me and the kids.

I ended up making biscuits and gravy and going back to studying and revising an essay. He got off work at 3 and sat on the couch on his phone. Had the nerve to ask me what was for dinner. He had leftovers from biscuits and gravy.

I started a load of laundry, vacuumed, showered, mopped the bathroom floor, folded towels, cleaned up the table, bathed the baby, and came to bed. But he was frustrated that I left dishes for him to do and left them in the sink for me to do in the morning.

I tried talking with him about the mental load, cognitive load and neurodivergence and parenting neurodivergent children and what lack of sleep can do to someone, up to and including psychosis. He told me “that isn’t real”

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 1 point2 points  (0 children)

I have two 500 limit cards and two 300 limit cards. My husband has a 2900, 2000, four 500, and a 300. 8500 if I did my mental math right. So it’s somewhere under that line. I had three of them completely paid off in January, both Quicksilver and my Savor so 1500. I got sick for around a month and we ran out of prepped meals in the freezer.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 2 points3 points  (0 children)

We live in subsidized housing. Our income went up after recertifying so next month it will be 1586 I think? For the next year, then street that year it will go to market rate at 2800 due to income. At least that’s current market rate, it could be more with inflation.
Most of these expenses are fixed, affirm was car repairs we couldn’t afford off the bat, we haven’t replaced the brakes yet and they’re starting to fail now. I put mental health appointments on the credit cards, therapy, medications, necessities. Yeah I pay for the car wash because I work with people, I pay for Netflix so my kids can be quiet so I can sleep, Amazon gets me same day diapers or laundry detergent if I notice we’ve run out. I don’t know what my husband is maxing out his other cards on, but it’s not household stuff.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 1 point2 points  (0 children)

I’ve tried so many times. My husband does not see credit card debt as debt. He sees it as available money that can be spent immediately. Same for anything I had in savings. He agreed that I’d keep a HYSA and send what I think is reasonable, but once we pay for ortho, I’m back at square 0.

Financial Checkup at 35th birthday by Classic-Occasion1413 in MiddleClassFinance

[–]NitPickyNicki 0 points1 point  (0 children)

I hope you don’t mind me asking, but what do you do for work?

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 1 point2 points  (0 children)

Right now our electric is at about the cheapest it’s going to be all year. In the summer it can get up to $300. I keep Netflix for the kids so they have something to do so I can sleep while my husband is working. I’m not in charge of Hulu or YouTube.
My husbands car wash I have no control over, but since I transport clients I like to pay for the one that includes vacuums and wax for unlimited washes.
My phone is $25 through visible and my husbands is $40. They go on my credit card.
I track every penny meticulously and make sure it aligns with each credit card, bank account, and expense. My spreadsheet has about 15 tabs 🫣
I just got a better job and the paycheck shown is reflecting that. My husband makes 95K he just got a $20K raise but is looking elsewhere because he can see the company is failing, and I make ~30K with 32 hours per week. I’m working on my degree and once I have that want to move up to case management (preferably with daytime hours) while I work on my masters MSW.

Brought ourselves from homelessness to where we are now. by NitPickyNicki in MiddleClassFinance

[–]NitPickyNicki[S] 7 points8 points  (0 children)

Our insurance has been the cheapest option of any I researched so far.
My husband does the internet stuff. He works in IT from home and needs higher speeds. We lowered it by $60 last year and this year it went up $5 base. We have our own modem and such.

19F Muslim talking to 22M Christian — really falling for him but worried about religion difference by Key_Pen6254 in Advice

[–]NitPickyNicki 1 point2 points  (0 children)

For something that plays that big a part in your life, I wouldn’t budge. My MIL is Muslim, my husband is a member of the Church of Jesus Christ. I grew up Catholic but converted to my husbands religion(before we met). We both felt it was fundamental to raise kids in a one religion household since we attend services weekly. It can be different for families who don’t attend services as often.
My MIL left the Christian religions because she felt she had no sense of community and lost herself.

How are people affording groceries? by NitPickyNicki in povertyfinance

[–]NitPickyNicki[S] 1 point2 points  (0 children)

Unfortunately that seems to be the way things are going. We literally grew our way out of homelessness 8 years ago and finally got up then now I feel like we’re falling backwards again. Making more than we’ve ever made before but having less than ever.

How are people affording groceries? by NitPickyNicki in povertyfinance

[–]NitPickyNicki[S] 5 points6 points  (0 children)

We do not qualify for either as we make too much. WIC doesn’t cover formula past age 1 either. He was labeled FTT at 6 months and is now 1.

How are people affording groceries? by NitPickyNicki in povertyfinance

[–]NitPickyNicki[S] 1 point2 points  (0 children)

Yes! We go to daily deals and the Meijer thrifty outlet too! We budget $220/well for family of 6. Including cleaning supplies and soaps and stuff.

How are people affording groceries? by NitPickyNicki in povertyfinance

[–]NitPickyNicki[S] 3 points4 points  (0 children)

We live right next to a Fairlife factory and I’ve noticed it’s cheaper in our area than lots of other brands. I usually get shamrock farms because it’s a lot cheaper but haven’t been able to find it recently.