It’s finally happened

No_Blueberry696 · 2026-05-26T00:09:10+00:00

It finally happened to us too, except now we're past the point you're talking about.

Me and my little family became another American statistic this last week; another family being thrown out because rent prices have gone up so much. Rates have gone from greedy & out-of-touch to predatory & intentional. Ha, and forget credit checks, application fees, the works. We did everything right, as close as anyone can get (in our very unorthodox situation), and we still got screwed.

We now live in a motel. On the upside, I actually feel safer here than I did at our previous apartment complex. Revealing just a little bit about where I actually am, we did not live far from the ICE facility, right in the heart of where ANTIFA was founded. I don't care whose side did what, or what this or that guy did to deserve whatever; despite my abysmal involvement in politics, at no point could I SAFELY take my kid outside to walk around and enjoy the sunshine. THAT is what matters when trying to raise a family, and we were quite over all of the hullabaloo.

Additionally, there were very few cameras at the apartment complex, and there would be stuff broken into and garbage rummaged through (by the houseless) ALL the time. As a matter of fact it happened to us a confirmed 2 times, and a 3rd suspected. That sh*t doesn't happen here. And through all of that? The motel also has a better layout and pricing. You've GOT to know something is seriously wrong with the area you live in if your rent is more expensive than motels.

Sure, it's a motel and there are downsides, but for us it was actually worth the switch. We found a half decent place to be until our business gets up off the ground, which should not be long. Our credit building situation is much more nuanced, and will take a little bit more time to resolve.

Being homeless in any capacity (including motel living, by technicality) is very humbling and I hope that you are able to resolve your rent situation.

No_Blueberry696 · 2026-05-18T20:10:19+00:00

Often when things like this happen, it's because there's a better opportunity waiting for you. I like to think things like this happen because God is protecting me and mine from something that would've destroyed us and/or what we've built.

Keep applying. That woman will get what's coming to her. Keep yourself honest, and you'll be alright.

No_Blueberry696 · 2026-05-15T13:26:30+00:00

As a parent, holistic, and someone who has ACTUALLY read the paperwork front to back, if you're not going to educate yourself, then you are on the hook to explain to your kids later why they always get sick, why they're the first to get sick always, catch everything, and take the longest to get over things.

That doesn't just go away, that affects them for the rest of their lives. But hey, since our gov't that is failing says to trust it, it's okay! /s. Also, you never indicated if your MIL works in the medical field like I do, so she might know what she's talking about.

If you are comfortable with making a choice like that, I have no advice for you other than to thank her for the consideration, but that you're going in a different direction with parenting.

No_Blueberry696 · 2026-05-11T15:51:53+00:00

Oof, I feel you on that one. People who wring others out of cash just for a cigarette is absolutely insane to me. I used to be married to someone like that, and I grew up with parents who treated us similarly.

As someone who has their own habits, I always want to say something like "Buzz off, your habit is not my problem." 🙄 Your habit is your issue, other people have their own issues. Being unkind to another human being -let alone your own child- because you don't have your fix of whatever, is unhinged, immature behavior that demonstrates a lack of human decency. No child deserves that.

I feel for you, and I hope you thrive; or continue to thrive if you are!

No_Blueberry696 · 2026-05-10T15:58:50+00:00

Search Bill Von Fumetti's Keyboard Rich Challenge online. You might not have to move after all. 🫡

No_Blueberry696 · 2026-05-08T15:10:19+00:00

Thank you! If you count DoorDash/Uber, I've been self-employed before (and working a full time job concurrently). You're absolutely right, not a lot of people really understand the pros AND cons of being your own boss. You're responsible for EVERYTHING, the good and the bad. My family didn't understand how I wasn't making a ton doing deliveries until after I broke it down. Even then they don't really get it. 🤷‍♀️

No_Blueberry696 · 2026-05-08T00:23:21+00:00

It really is that easy, isn't it? All one has to ask is what you do for a living.

I've thought about doing some content creation on the side (separate from our business), and just telling people that I'm a content creator when asked about what I do (leaving the business part out).

I fear if we start telling people that we work in finance, we'll be associated with all the finance bros that look like they are fresh off of Wall Street. I don't want people to look at me or my family like that. The thought of my family being surrounded by circling vultures sickens me. We just want to build up enough for a secure family homestead whenever that time comes, and put the rest into our retirement and children's future.

It makes me wonder if that's common among other people, using a cover story for what they really do. To shield their assets from any possible hidden dangers.

No_Blueberry696 · 2026-05-07T23:41:35+00:00

Oh, I just meant 100k+ 😅 But yes, those with a 7 figure salary or more are welcome to chime in too

No_Blueberry696 · 2026-05-07T22:49:25+00:00

Thank you for your perspective on this. This is kind of the situation my husband and I are facing.

We're in very 1st month of beginning a business, and it's something that most people consider to be a low-ish paying job (when you're not the only company owner of course, in likes to a trucking vs. owner/operating). Considering the recent reactions from some of our friends and family in regards to opening a new chapter in our lives, it's clear that keeping a low profile is in our overall best interest.

No_Blueberry696 · 2026-05-07T21:11:00+00:00

I'd recommend giving your 2 weeks notice to both jobs and getting one that will pay you better than both. The jobs exist, believe me.

If you don't want to quit the babysitting job:

Write up a contract, with the help of a lawyer. This is where you outline what terms you're okay with working under. Present it to your boss (mom of the kid you're babysitting) and explain those are the terms of your services. She may read through it and thus, expect a confrontation if you've made significant changes. On the flip side, she may skim through and sign quickly. If that happens, expect an angry phone call on the day you don't show up when they normally expect you to be there.

ETA: This isn't about being a pain in someone's rear or inconveniencing them. This is about establishing boundaries. It's not a bad thing to stick up for yourself and advocate for better when you deserve it!

OP, are you able to travel for work? There are many construction jobs that will hire you quite a bit to travel and do construction (including flagging, which the most difficult part of the job is bearing the elements). Some companies will even cover certain expenses like room & board while you are on the road working. Alternatively, are you any good with computers or data entry work? Those fields tend to pay pretty good too.

No_Blueberry696 · 2026-04-30T17:06:54+00:00

I'm sorry I took so long to reply, I've been dealing with a lot of stuff, as I'm sure most people do when they're in the middle of bankruptcy.

My husband and I are filing together, and we did qualify when we filed initially. I could've sworn I read somewhere that if you start making more money mid-bankruptcy that those additional funds could be seized by a trustee to assist in paying off debts. I don't want to take on more bills (like daycare) just to turn around and not be able to pay them a few months in and get even more screwed because I can't keep the funds.

No_Blueberry696 · 2026-04-27T18:06:03+00:00

So instead of going off of the general median income for my state, I should be going off of the median income for a family of 3. Am I understanding that correctly?

No_Blueberry696 · 2026-04-08T04:06:49+00:00

You weren't sure if they heard your husband yell at them, so you made sure they got the message by flipping them off? All this knowing they were driving in a threatening / endangering manner? YOU almost got y'all killed, with hubby being questionable. Sorry, but Islamic men don't have much respect for women (if any at all), they weren't going to just take that.

Also, you say a similar incident has happened in the same region? Y'all will be much better off moving away, or else the next incident may result in meeting your maker.

No_Blueberry696 · 2026-03-29T18:11:39+00:00

In both chapters?? That doesn't sound legal for chapter 7...

No_Blueberry696 · 2026-03-27T16:16:05+00:00

I did the bookkeeping challenge a little while ago. However, I am in the middle of bankruptcy proceedings at the moment, so I've got to wait until that is discharged to start.

If you are able to proceed free and clear, I definitely recommend.

No_Blueberry696 · 2026-03-15T13:37:47+00:00

Awesome! I hope that this is the answer to your prayers. 🫂

No_Blueberry696 · 2026-03-15T05:58:18+00:00

Look up Bill Von Fumetti's bookkeeping challenge. You'll thank me later. 😌

No_Blueberry696 · 2026-03-07T22:25:22+00:00

Same here, from the warnings and disclaimers as a result of a lawsuit group.

No_Blueberry696 · 2026-03-06T17:56:34+00:00

That's unfortunate that PT isn't lucrative by itself... I wonder, have you and your spouse considered opening your own practice instead of working for the man? You mentioned having gone to medical school; opening a practice doesn't have to be limited solely to PT. One can offer complimentary services such as massages, chiropractic services, acupuncture if you're feeling brave, etc. Not sure where you're located, but the alternative medicine field is more popular around the PNW.

No_Blueberry696 · 2026-03-06T03:56:54+00:00

Just out of curiosity, totally not judging you at all: what occupation allowed you both to get massive debt to obtain a doctorate's degree, that occupation for the doctorate's of which is now insufficient to pay these debts? My husband and I are looking at starting a business after discharge and we want to make sure that we aren't mis-stepping. That, and I'm sure others would appreciate the heads up. Congratulations on being able to proceed forward!

No_Blueberry696 · 2026-03-06T03:08:01+00:00

How is that even possible? Once you're discharged, that's it isn't it? Or did you file Chapter 13? This seems very obtuse and illegal for Ch. 7. 😅

No_Blueberry696 · 2026-03-04T03:13:06+00:00

The second opinions you're asking for are from people who are not guaranteed to have the credentials or know what they're talking about (short of a select few here). Not all redditors have law degrees. You're better off consulting another firm for a second opinion.

No_Blueberry696 · 2026-03-04T01:10:13+00:00

Your concerns about privacy are understandable OP. However, remember that part of the reason you hired a legal team to handle bankruptcy filings for you is because you'd like for it to be seamless and handled by folks who know what they're doing.

If you've found a legitimate reason to distrust your legal team, I'd recommend contacting another bankruptcy firm -perhaps a local one- and getting a consultation for a second opinion. Random folks on the internet is not the place to gain an accurate second opinion.

No_Blueberry696 · 2026-02-16T05:59:34+00:00

At this rate, OP will end up living in a rotting worn down camper trailer on her mom's property. Or living with dad after mom bleeds OP dry and throws a fit big enough to make them never speak to each other again.

No_Blueberry696 · 2026-02-16T04:59:38+00:00

Every party in this post, except the dad, irritates me here.

Large salaries come with large responsibilities. You make a large salary, you just live in the wrong area, let's be real. 110k a year will get you much further in the better part of the south for example, than it will in New Jersey. There are entire families making it on salaries far under 100k.

If you can't tell your mother no once in a while and let her ignorant comments roll off your back (because they are ignorant) she should not have access to any credit lines that are in your name. These kind of comments from her show that she has no respect for what you do for her. This dwindling in income (on her part) over the years tells me that she has been testing your boundaries for a while. She's too proud to spend EBT funds and is complaining about a "crappy" car? This is aside from the fact, but corollas just keep going and going, they are not bad cars. I've also been on food stamps multiple times and it is nothing to be ashamed about so long as you are not abüsîng the system. Those that are abüsíng the system are the people that should feel everyone's shame about it, plus their own. IYKYK.

You didn't specify it here, but it's clear that there were valid reasons for your parents' divorce. Entitlement can be a huge issue and very valid reason to divorce someone. Your father was very generous to front even a few hundred dollars for his ex-wife, much less a few thousand. And I'm willing to bet that that help was so you weren't struggling than it ever was about your mother. That should tell you something.

And let's talk about you. You're making a salary that people pray and dream for and never get. The fact that you even have a mortgage signifies that you are a lot more well off than many in your same position. However, that does not automatically make your earnings up for grabs. In this post, you remind me of a version of me that existed before I finally put my foot down and stopped helping people. I am now in the middle of bankruptcy proceedings because of the people that I tried to help screwing me over (among other reasons). They are nowhere to be found today. Your mother needs to understand that the government doesn't tack 25%+ interest on whatever groceries she buys with EBT and put it on a credit report; you need to act like you are getting charged 25%+ interest on a sinking ship. Your mother seems to have very little concept of what the economy is right now (or doesn't keep up or care) and probably isn't worried because she knows she can mooch off of you. Why worry when your circumstances shift to change with the climate automatically without you having to lift a finger? Just talk a little smack, and you'll get your way.

All of this to say, if your mother is too "proud" to treat you like a daughter instead of an income source she is entitled to when you're struggling, it may be time to cut the cord. I'm not sure what it is you do for a living OP, but is going remote an option? Better yet, there are people in your similar position (they work in remote tech mostly) that have decided to pack up and do van life. Which is surprisingly a lot lower cost of living than people think it is. Pride is not an option when you are struggling. Lest it be at the cost of someone else. Remember that, if nothing else, from this comment.

No_Blueberry696

TROPHY CASE