everything over-ty(edit)

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Jade- I understand how it feels. My dad died when I was 17, and he was sick for a long time before he died. My brother and I will also receive funds from his life insurance pay-out, but only when we turn 30 years old. Right now it is being protected in trust funds and safe stocks so that it will grow and mature into a nice lump sum that we will be able to use for retirement, investing, purchasing a house, etc.

It is your money to do with as you will. It is not up to us to judge how your father wanted you to spend that money. But you are the one who posted in the first place being so worried about finances (without mentioning anything at all about this monthly stipend!). Naturally, people's responses would be to re-think your trip. You shouldn't get angry when people tell you what you don't want to hear. (You asked what others would do, and they gave you honest answers!) :thumbsup2

If you guys thought it through and now feel comfortable going, then go and have fun! :wizard: Next time I probably wouldn't post about your money troubles on the board though. :teacher:
 
well i usely have friedns on here who make me fill better not ppl who want to be mean.
and when i did type this i was freaking thinking what had happened was going to effect me tho now it isnt and in one day my dh has got confermened job.

the dec holidays i have money put aside from the yearly money for it.
im not dumb by no means I know what has to be paid what other bills have to be paid from this yearly money and how much i have to put away for the trip and all the other things ive got on the list.

I was worrying about 500x3 for rent but its no concern now.

were going oct and hopefully dec..

and ill not go in spring i get the money now and save it for the trips oct or dec. no way could i save it for spring not even a consediration.
 
So anyone who says something you don't agree with is mean, no matter how much they may make sense? :confused3
 
well i usely have friedns on here who make me fill better not ppl who want to be mean.

I don't think anyone was trying to be mean. Real friends tell you what they think and not just what's going to make you feel better.
 

Jade,

Noone was being unkind to you. Quite the contrary, people were caringly expressing concern.

You have made up your mind. Have safe travel and I truly hope that the new job works well.

Peace.
 
hes dead i took care him from 7years old till 14 (cancer) i was supose to get 10k a year my gready brothers came in the last year and when he was high on all the meds kemo and what not they had him change his will to where they got it too and so i only get what i get now and i spend it at disney or other places (disney the last 4 or 5 years)

I am sorry to hear about your Dad.

It sounds as if this was recent. Can I ask how old you are? You sound so young.
 
The way I look at it, she originally posted about a bad situation, that could possibly affect her financial situation. Since everything turned out to be fine, that is no longer a concern. It didn't mean she didn't have the money, just that there was a possibility that she would have to help someone out monetarily. I understand the reason people are suggesting she have emergency money, but that really wasn't her point.

If we waited until we were completely debt-free, and had a ton of money in the bank, we probably would never make it to Disney.

We all have different reasons for going, and different stories. She may have technically asked for advice, but I could tell that's not really what she meant in the OP. She just wanted to vent. I had difficulty understanding her posts initially, myself, but now I know what she means. Just looking for support.
 
ty heather.
excatly it was scary i admit that but what happened wasnt what i thought when i first got the call. and family would of come first instead of a trip so if they had needed it i would of had to give it familys always first.

now my dad died when i was 14 but im 23 its almost been 10years but still hhurts like it was last year (at least its not yesterday any more)
also the day he died is the day i hit my head for all who know my acdent took place
 
I dont think anyone was being mean by saying to re-think or postpone the trip. Most of us were not saying "no you shouldnt go at all, ever again!" just to postpone for a better time.

But I also agree with Heather that family trips are important, and none of us are debt free, and probably none of us ever have the "perfect" time to go on vacation either. I think if she has money set aside each month for fun stuff, and they are no longer worried about whatever emergency there was, then to go. (I would still question whether an AP pass is the best idea, but whatever)

Its really none of our business what she does with her pension (or the who, what, where, whys attached to it). I'm sure we could all save more than we are right now.
 
So I must have got the SSI correct. You hit your head and have never been able to work. Were you able to complete high school.

The money you get yearly is that a annuity from your Dad's 401K ("pension").

Honestly this is the only way this story makes any sense to me.

You say you do not want to save any money. Don't you ever want to own a home, car, save for your son's college (will come sooner than you think) etc.?

Nobody has to be debt-free to go on a vacation, but one needs a plan more than just spend everything that we get each year. I tend to my present life and my future life. Both are equally important.

You say the crisis has passed. What would you do when the next crisis occurs and you have not more money in your vacation pool. Where would that 3x$500 money come from?

For me living that close to the edge is far to nerve racking and would cuase me to not sleep well at night.
 
After making twice yearly trips to DL my entire life, from age 5 to age 34, I was away from DL for six years (from 2001 to 2007) because of money problems. It just didn't seem to be a possibility anymore, and so eventually it left my mind. I didn't even have that need to do it anymore like I had in the past. I just couldn't afford it so it seemed unattainable. Of course, I didn't want to stay away from DL at all, and I never want to stay away THAT long again, but I realize I may have to skip a year or two here and there. When I went back last year in September, it was because I had gotten some unexpected extra money that covered both the September and December 2007 trips I made. I couldn't have done it without that. After December's holiday trip, I instantly snapped into that Disney fever (we all know it!) where I had to plan another trip right away, and planned one for this coming December 2008 at the GCH through the WDTC. That is, as most of us know, outrageously expensive and was not wise of me to do. I should have waited six months to see how the year was going before making any plans a year in advance!

So, what happened but I lost my job in February. Unemployment rates are the highest they have been in 5 years and there are millions of dollars in current claims, according to what the lady at the EDD told me. I came on DISboards to kind of toss around what I should do with my WDTC reservation for this coming December. I didn't know if I should cancel it because it was so far away...and yet, I needed the money back that I had put down on the reservation because I suddenly had no income. SO I took the advice of everyone on here and cancelled it a few months ago. Of course, they kept $100 of my money which I will never get back, and that was my own stupid fault for going through WDTC in the first place rather than wait 6 months and make a reservation through Central!!!

In any case, I let go of the idea of going to DL when I cancelled the res. at WDTC. I pretty much figured that this will be a tough year and Disney - no matter how much I need a trip to boost my spirits - would not be on the horizon in 2008, or if it was, it would be last minute. And then...the PIN# discount presented itself, and I got some free tickets from a client of mine and some help from a couple of friends because it was my birthday, and some more unexpected money - and suddenly it seemed to be a possibility again! I think if I had not let go of the idea entirely, this good fortune would not have come to me. So because all these circumstances happened in my favor, I can be at DL for the fun Halloween stuff and cheer myself up. But if they had not happened this way, I just would not be going at all, or I would only be going for one day. And even though I find myself scheming and plotting ways to try to get back there in December, I know that it if it looks like it is impossible to make it happen, then it just wont happen. I am not going to lose all my hair over trying to figure out how to get there in December. There is always next December (2009). Getting into a stable job is more important than anything at the end of the day. But I am just taking care of me, and not a child and family. So if I make a bad decision, then I am the only one who has to suffer for it. No one else. I am just responsible for me.

Jade, it sounds like your husband will get this job, and hopefully, all the worries will vanish and you guys can go in Oct., Dec., next year, the year after, get the AP's, all of that!! You know I wish that for you!:goodvibes I totally understand the need to make the trips happen and set foot on that Disneyland soil! But I think that what some others here have said in this thread is pretty sound - two and three trips in the next year is a lot to take on, and you do need to have some money put aside for emergencies for your child and family, and if you kind of let go of the idea of going past this October trip, then maybe circumstances will present themselves to you to make it really easy to go again in December and next year. As Fairykin said, listen to that little voice that was speaking to you, making you wonder if you should go. It may make more sense to just focus on one trip at a time. Take it day by day. Do October, as you have planned, and THEN see about December later. Wait until you know your husband is settled into a good job and it looks like money is flowing in before doing anything about December or an AP or any of that.

I also want to get an AP when I am there in October, but if I can't afford it, I can't. At least I get to go to DL in October and I am grateful for that because it did not look like it would happen!
 
(I would still question whether an AP pass is the best idea,)

well i do still question that but for 300 more i can pay for next years trip and this dec. now dec trip has been cancled and redone three times.

with this job working out we can for sure go in dec and still have a good income comeing in.

Yes i hit my head hard and also a bunch of other things added on top of that.

(deleated)

Sherry ty and i have read it all and understand it all but im not going to cancle the oct trip and this thing that happened well it wont happen again i was just over freaking..even my dh told me to calm down.

hell i sat my son down and said what if we can go in dec in stead oct..it was sad he looked at me..mommy my bday is in oct not dec. I will miss meating melifcent. i wont get to dress up and go trick or treat.
a bunch of stuff but hay its all better now

also if i couldnt do ap id be ok..if we dont go this dec we will go next dec. (i wish i had got ap last year in nov27th., then would of paid for this trip and this christmas ones. i would of went end nov. again)
 
Jade go, have fun and best of all do a TR when you get home. :). So that some posters may not understand if you get SSI you are not allowed to have a savings. Yes the money is sent to a bank but every I think 6 months, but once a year for sure you must account for where that money went. If she were to put money from her fathers pension into a savings it might mean her SSI would be lowered :(. So explain how she is to save? Making memories with her son is the important issue.

Jade will do the right thing-- that I am sure of. It is her trip to plan and then to go on if she feels she can afford it. I just hope they have a wonderful time, take lots of pictures, and make memories.

Patty
 
Wall*E, just b/c we dont agree 100% with how she is using her money is no reason to be rude to her. You dont have any idea how pensions work when a parent is deceased. I dont know how hers is set up simply b/c I had a parent die either. You dont know if it is SSI or life insurance or a trust fund or a payout from a legal case or what. And really, its none of our business. You also don't know if her husband has a 401K or whatever. Really, what does this have to do with Disneyland?

I'm sure we'd all be better off financially to save our DL money and invest it and never return to the park again. But I don't see anyone here doing that.
 
If she were to put money from her fathers pension into a savings it might mean her SSI would be lowered . So explain how she is to save?

I would put it in a piggy bank :thumbsup2
 
(deleated)
i was looking for help friends and stuff when i was first freaking out yesterday.
i would of cancled oct if i needed to and tryed for dec..now everythings better and it seems better then it was two days ago .
 
Sherry ty and i have read it all and understand it all but im not going to cancle the oct trip and this thing that happened well it wont happen again i was just over freaking..even my dh told me to calm down.

hell i sat my son down and said what if we can go in dec in stead oct..it was sad he looked at me..mommy my bday is in oct not dec. I will miss meating melifcent. i wont get to dress up and go trick or treat.
a bunch of stuff but hay its all better now

also if i couldnt do ap id be ok..if we dont go this dec we will go next dec. (i wish i had got ap last year in nov27th., then would of paid for this trip and this christmas ones. i would of went end nov. again)


Oh, I definitely think you should keep the October trip because it basically sounds like that is taken care of! And have a splendid time! And it seems like you are giving second thoughts to the AP idea, and that is good, because it may not make the most sense, or it may...you will know soon! But in terms of getting ahead of yourself with the trips after October, I would try to be really sensible and take it day by day, one trip at a time. I made the mistake of making a res. while I was still in my Disney euphoria and lost $100 in the process. It is sort of like the old saying that you should never go to the grocery store on an empty stomach because you will buy everything in the store! There should be a new one that says, Never make a new Disney reservation when you have just come back from a wonderful trip because you will end up making a reservation that doesn't make sense!

Anyway, it will all work out for you. It sounds like things are headed in the right direction for your family!

(Oh, and by the way, I HOPE Michelle on Big Brother goes HOME! Cannot stand that wench!!!)
 
lmao yes she flipped out ollie went nuts on dan and though dan under bus to renny and wayyy to much lol tho it will be a grate evection. ollie and mecheal have both thretened to beat dans butt and have been told by preduction worrnings and stuff.

and yes im not gona plan the ap yet one thing at time.

and capt bane says he cant belive im fitting big brother in disney posts lol
 
"Of course, they kept $100 of my money which I will never get back, and that was my own stupid fault for going through WDTC in the first place rather than wait 6 months and make a reservation through Central!!!"

Sherry, is that Walt Disney Travel Co.? I didn't know some deposits for that were non-refundable. We booked through Disney vacation, and I believe we can cancel. I'm sorry you were out that money. That's horrible.

I like booking thru DVP, because I am able to make payments up until a month or two weeks before our trip. That gives me time to have it paid up before. I'm about to call them to put down another $500 this afternoon.

We should be getting the remainder of the money for our trip today, so that will wrap up that cost. Then, we'll just have to save for fuel, food, and souvenirs. I really don't want to charge anything on my credit cards. Mine are all paid off at the current time, and I'd like to keep it that way.
 
well idk if this is something that is needed to know but id have credit cards eathier i spend cash i dont do credit its not worth it to me if i had credit cards id be in so much debt
 
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