#financial stuff

[naomiknight-17]

Spoke with my ODSP caseworker this week and confirmed I will not be receiving any financial support this month from them. At all. Not a cent

This is because December had 5 Thursdays, which is Jon's payday. Combine that with his small Christmas bonus, and he 'made too much money' for me to qualify for benefits for the month.

Unfortunately, I still have a phone bill and a student loan to pay, because they don't care how many Thursdays are in a month, or whether ODSP thinks I need money or not

So. Zero pressure and all, but this is a little reminder that I do have a Ko-Fi where you can toss me a tip if you enjoy my blog content. Also a tip of any amount gets you access to the cross stitch patterns I post - there are 3 so far and I plan to make more!

So please consider helping a disabled enby get through a really tough month

Support Tamara Jones

Support Tamara Jones

[risingphoenix87]

So apparently some banks will shut down your account if you're freelancing? And I was planning to freelance. And getting a bank account for business is harder than a simple checking account...

Why's bank shopping so hard....😭😭

On the other hand, I'm glad I learned this beforehand so I didn't have any surprises.

Shoot! I didn't know that. That's seriously unfair.

I'm gonna look into that and post information if I can find it.

[crisispider]

Okay so I know I keep asking for help when I’m barely here and I am putting together a go fund me and working with my state, but with Christmas literally next week and and with how everything has been going and with next to no family help (outside of their grandma on their dad’s side.)

So if you can help out I would now you everything and if there is anything you need help with just ask and I’m there! (Not that I have many skills but even still I can occasionally make silly doodles.)

PayPal: https://www.paypal.me/lunarmcss Cash app: $lunarmcss Zelle: dm and I’ll give you my number

[ussjellyfish]

I'm going to put this in a tumblr post so I can sort out my thoughts.

(financial stuff under a cut)

I got a raise (thanks union!) and now I make more than the income guidelines for childcare.

Childcare care is $397 a week. (yay!) and I can't quit it (they have a 6 week notice period, by the time 6 weeks runs out, Felix will be in kindergarten anyway, so really, I just have to make it through August).

I need to come up with... 5 weeks of childcare, which is $2000.

I do get paid for summer school, which starts the 19th of July. It pays on a 3 week delay, so it'll help later. I'll get paid for that the 9th and the 23rd of August.

Childcare does not take credit cards, so...I can put rent and my 6 month car insurance renewal on my credit cared, so then childcare can just empty out my bank account until summer school pays me.

I think that might actually work. Summer school is 1225$ a week before taxes and lasts for 3 weeks plus a few extra days, so after taxes it might be enough to pay off rent and whatever I live on.

like...if I put everything else on credit cards, I should make it until the 9th, where I get paid, and the 23rd when I get paid for that again.

And it will be a *very* tight summer, but...it'll work. fingers crossed.

[hellotherelovelyyy]

Small rant of concern for something that just makes me antsy.

My mom and stepdad are supposed to be renting our house that we own in CT. They are working on moving in currently, and we asked them to put their bank info in on the mortgage site because we don’t want to deal with the whole reminding them to pay us every month thing… we told them to log in and enter their info by the 30th. They didn’t.

The mortgage usually comes out of Frank’s account between the first and fifth, and this month, it came out on the first. We can’t afford the mortgage AND having to pay for rent here in WA. If you’re unfamiliar, military housing takes 100% of your housing allowance… which means that the mortgage payment came out of Frank’s regular paycheck. We don’t see any of his paychecks if this continues, yet we still have other bills (cars, utilities, etc), gas, groceries, etc. that we have to pay for. She said she’d send us the money, but every time I bring it up, she brushes it off and is all “yeah, yeah, we will! I’ll Venmo it to you or something…” 🫠

My mom has a history of not paying rent and being evicted from places. I don’t know why I thought it would be different now that she has a husband who IS financially stable and responsible. So yeah, maybe I shouldn’t have trusted this, but also, I figured her husband would be on top of it all. And I know, they’re in the process of getting ready to sell the house they live in, which makes it hard, but they told us they’d be doing that by the end of November… and they haven’t even packed their house up yet.

I’m just stressed. We have things we have to pay for, we have a baby on the way… we can’t afford to be paying for two houses at the same time. Maybe we should have just gone the property management route and rented to strangers and risked everything that comes with that. 🙃

[transrightsjimin]

i think... i have to stop feeling so guilty abt the idea of receiving money from family and friends nd feel like i have to offer comissioned illustrations in return or that i would have to wait until around late june when i’ll get the first paycheck of my next job. like im rly fcking exhausted, at the point of or in? burnout though it feels like that for 8 years now ever since ending high school and i just have less and less energy for creative stuff or anything rly, esp bc of my current job. my parents and housemate do help me financially now to be able to afford rent and other bills and i should be able to afford that rn and end up in only 0 to -50 on my bank, but i lack over 250 every month bc of a bill.

explanation / more ranting under the readmore

i was hoping i could pay the invoice i got for my adhd diagnosis + therapy (it wasnt fully covered bc they have no contract w insurers) in a payment plan, but then the construction was so weird!! my insurance company rejected my declaration(?) of the invoice, one institution (that was meant to cover most of the costs instead of the health insurer) suddenly put 3848 euros on my bank??, then i had to contact the adhd healthcare org and they contacted the healthcare businesses and made calculations, and then i had to pay 4098 back to the same company that put it on my account (bc my remaining costs were 250) and payment plans were possible, but those divided the amount into 2, 4, and so on and so i couldn’t do the payment plan in a useful way and ended up having to pay it all at once so i woulnt have like 2000 euros being left on my account that wasnt mine and i just rly wish it didn’t go like that. the person from the adhd org who i talked to abt the invoice was also rly fed up w how clients / patients had to use these constructions and the issue is rly w insurance companies.

idek how much this makes sense in poor english. but considering i think i’ll ask for donations, to try to end up a bit less deep in the negatives in a few weeks? i can understand that ppl might want more proof but i dont feel comfortable sharing my last name / bank account no / medical info (which would be on a screenshot) publicly so i could share that in a dm if necessary.

ok these r too many words, sorry if it’s full of typos, my eyes r tired. i might rb this w more if i have decided

[green-blue-heller]

Brian Baumgartner (who played Kevin on The Office) has made over ONE MILLION DOLLARS just from doing Cameo messages. :o I wonder how much Misha made?? (Misha doesn't seem to be doing Cameo vids anymore. But his videos used to cost more than double what Brian's videos did.)

I think he’ll be coming back to cameo.

With selling both houses, the divorce, and the book I think he just needed to focus on himself and what he had to deal with.

I have a feeling that maybe he’ll open them back up for Christmas.

But yeah… I’m sure he made bank.

As he deserved to. Lol.

His prices may have been higher, but I’m not sure who did more videos though.

How did you see how much he made? Or did he say it?

[jade-island-lives]

So, I’ve been thinking lately. 

Since I’m in college now full time, I am no longer making an income. Which is fine, I live comfortably with my family, and don’t have to worry about food and more important things. 

However, I have little personal money for myself. I don’t have money to put away for a rainy day, (medical emergency, car repairs, pet care/medication, etc..) I’d be lying if I said I wouldn’t like money to purchase books, movies, nonessentials basically, and placing money away for gifts and other things. But another huge factor is, I mainly put my money towards school (books, tuition, course materials, etc..)

I also want to save money in order to move out when I can, start living on my own.

I can’t currently get a job while I am in school. I have made attempts in the past, but it only makes me and my mental health suffer, mostly. And I won’t do commissions because I struggle horribly with perfectionism and would never get a commission done if I was paid.  

Nothing I have is publishable yet either. And I don’t want people to pledge or give money to me when what I have is unfinished and not worth the money. 

So I was thinking about setting up a Ko-fi, where people could donate every now and again if they want. I don’t expect people to pledge money every month, and I actually don’t want that, if that makes any sense. I just want people to donate money if they feel like it without pressure. Money is tight all around, and I don’t want people feeling like they have to.

There aren’t any goals I want to set up, and I don’t think I will. I don’t think I will have exclusive content hidden away or anything either. If people want to support me, they have the choice to without pressure. 

But, I want to gage if my audience would be okay with that. If people would donate or if you don’t think it’s a good idea. I would really appreciate feedback on this before I do anything. I want to make sure I’m doing this for the right reasons, and I want to make sure my supporters get the content and appreciation they deserve.

So, what do you all think? Let me know.