ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Rethink how to live when you lose your job.

Updated on May 12, 2014

No money, no job and the bills are piling up.

Ok, no way to pay even the electricity and put gas in the car. I lost the job because I made a mistake. The boss in this environment can get someone fairly easy, and the boss does have a bottom line. So, I am unemployed, no unemployment benefits. Bad. Bad. Bad.

After three months in this situation, I decided to do some things.

I followed up on every job lead from day one, anything I could possibly do, part time or full time. I stopped all payments to everyone. I applied for all benefits I could qualify for. Ended up with two broke down cars, family bought a great running older van for the family. A couple thousand in family help and I finally was able to land a job.

Sold everything and accepted charity help.

Local interfaith agency kept the lights on. Ended up with a couple hundred a month in food stamps. Sold things on Craig's List. Yard sales and sold some scrap gold.

Mortgage and car gas, keeping the lights on.

So, went to the bank and explained the situation, we have a great track record with them, so they gave us some time on the house loan. Scrambled to keep the lights on, and scraped the bottom of the barrel to get gas in the van.

I am working now, 28 hours a week.

I am working, fewer hours, but proud to be making money. No money for several credit cards we owe. Can't pay all these bills, so, what to do?

We made some really hard choices.

We didn't stop giving to the church, it's that important to us. So we give our 10%, and we put 10% away for savings. Now we are paying the rest.

Church

Savings

Electric

Phone

Mortgage

Car gas

If we have something left we pay on bank payments first then credit cards. We owe this money, and we ran up these bills. We are trying to keep the house, if we can.

Now the hard climb back up out of the hole.

While we continue to try to get more income, we are battening down even more on expenses. Things are getting better. Just really slow. We haven't been sued yet, by the credit card companies, but it's just a matter of time. We are talking to the bank, partial payments on the mortgage are really helping us to get the extra time we need to keep the house. I am talking to everyone else, one time each week, no point in telling them I can't pay every day. So I take any and all calls on Monday, about credit cards. the rest of the week I don't answer. I have to tell them something. I do still have a bankruptcy I can file, hoping not to use it yet.

You can only do what you can only do.

I am way better off than some, I have family help, church help, community help, and a low standard of living. I'm in rural Tennessee, so that helps. I also have a low budget life style, no one smokes, or drinks, and my hobbies are reading and online. So we are under a roof and the lights are on, and I have gas in the car, for today. I am so thankful, to God, and to all those that have helped me to work this through.

I follow up on EVERY job lead, and social program I qualify for.

Anything and everything. We have seven people in our home, and we need to use everything available. No lead is unexplored, jobs, or help.

The major paradigm shift, for me, is pay the family first.

My credit is crashing down, and I won't have a way to repair anything, or allow for sudden expenses. So, the old 'save 3 to 6 months expenses in an emergency fund', teaching is still true. I didn't do this before the job loss, and it is costing me ,big time, now. Pay the family before you pay anything else, then work out the rest. My sad story would have been a little less sad if I had done this before.

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)