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  1. #1
    gardenlabyrinth
    Guest

    Default how we made it through a year of unemployment

    Here are a couple things we did to survive aside from the job hunting...



    We learned our trash could be reduced to once a month pick up-and we

    compost a lot so it was not hard at all. REcycling and yard debris was

    on its usual schedule on this reduced service. WE figured this out

    when a neighbor with a teeeeeeny, tiny can was putting their extras in

    our can every week. Then I called to ask about a teeny can and learned

    that I could reduce service...not available in all areas.



    Since my husband was aged out of his work in his early 50's it meant a

    career change that wasnt expected. SO he posted a free ad for

    something he really wanted to do instead and got some cash pretty quick

    just from that. He did exhaust every last resource in his field in our

    area with job interviews and this was with a positive job

    recommendation from former employer.



    I started a particular kind of petsitting business and made it totally

    doable-set all the limits to what I could do with taking my child with

    me in the hours I wanted and all without a car. THis has been so much

    fun and a surprising amount of money from long trips people take and

    need to hire me to visit their furry ones.



    Sold the car and went totally car free. Joined our car sharing company

    (now "Zipcar" which is international).



    Volunteered with the car sharing in exchange for driving hours which

    was an AWESOME barter for us-we didnt even have to pay for gas and

    insurance anymore!



    Upgraded the bikes and added a travel bike for youngster. Got more

    humble about asking for rides and carpooling. Walked more than we used

    to, bus everywhere we cant get a ride.



    My husband found a farmer's market stand to work on saturdays- a

    commitment he could honor even if he had full time work until the

    season was finished. This resulted in loads of fresh organic veggies

    every week for us when there were extras at the end of the market day.



    For a year never rented a video or bought books etc...learned to rely

    on putting books and movies we wanted on hold at the library and just

    waiting for them to come in.



    We told all our friends and family and neighbors about the job loss and

    when they asked what they could do we said tell us of any job leads and

    hire us to do their yard work for cash. This 50 dollars here and there

    was grocery money sometimes when we didnt have any. IT also made our

    friends feel like they were of help as they hated to see us nearly lose

    our home. ALso telling everyone meant that an unknown source of

    employment was revealed-someone who started my husband off with

    technical writing projects.



    ANywhere there was a reduced rate for low income we tried for it-

    resulted in a scholarship to a music institute for our daughter at a

    ridiculously low price. Since we homeschool and already were on a

    tight budget-this was a blessing as we could not afford the classes

    before the job loss.



    We cashed in a portion of our retirement at the end of one year and the

    rest the next. FIgured it was better than losing a house.



    Husband signed up for extras only website that we learned from word of

    mouth was legitimate employer for background acting jobs and sometimes

    commercial and speaking parts. THey just wanted ordinary people.

    Our friends had fun gathering all the required wardrobe changes to have

    on hand just in case a call came in.



    Went to clothing and toy swaps. Sold our good outgrown kid stuff to

    consignment/resale shops.



    Our church offered a couple hundred dollar monthly stipend for me to

    run the children's program which I was going to volunteer for anyway.



    And at the last minute we really humbled ourselves and asked a wealthy

    relative for one month's budget as a last ditch effort to not lose the

    house etc. Turned out she was VERY supportive and gave my husband the

    confidence to hang in there (had been 8 months by then)and more money

    than he asked for. GAVE it. We so lucked out there. ANd it was just

    long enough to snag the full time work we needed.



    I also think you have to overcome the folks who tell you to do the

    thing you know you shouldnt-whatever it is. FOr us it was people

    telling us to sell our house (sometimes you have to but we knew we were

    already in a small house and not good alternative solutions). THere are

    also those with lots of money who could help us but didnt-didnt want to

    at all. That was a little hard. ALso people telling my husband he

    can't make a living as a writer because the work is not there. We had

    to totally ignore that one.



    Oh I almost forgot-I asked someone what I could plant and grow for them

    to trade for childcare when I needed it-and did it!!! Boy did I load

    that one up on vegies!



    And one last thing-there were a couple times I thought we were as bare


    bones as we could go and I had every expense in a chart to look at

    easily. And yet somehow we cut it back again and again. It was quite

    surprising since we are not big spenders anyway.



    ONe strange thing happened to us -we became more aware of suffering all

    around us and started giving what we had more and more. It was like a

    huge big awareness landed on us to care for the suffering all around as

    we needed to be cared for sometimes. The poorer we got, the more we

    shared and felt like our family and community got bigger and bigger yet

    on an intimate way. I started having conversations with the man who

    sells the Street Roots paper-would drop store gift cards in his basket

    sometimes. ANd other things like that we did-but it was strange when

    we already thought we were giving people. We werent really before this

    happened.





    Hope that helps.








































  2. #2
    Christine
    Guest

    Default how we made it through a year of unemployment

    Wow...I read and then re-read this post. I learned quite a lot. I

    especially related to the part where you said, "The poorer we got,

    the more we shared."



    Thank you VERY much for sharing your experience. It was very, very

    inspiring to me (and many others, I'm sure!).

    Christine







    --- In Budget101_@yahoogroups.com, "gardenlabyrinth"

    <creativewoman@...> wrote:

    >

    > Here are a couple things we did to survive aside from the job

    hunting...






  3. #3
    Helene Wagoner
    Guest

    Default how we made it through a year of unemployment

    OK guys here I am still depending on you all. Thanks to everyone who has been sharing not only their experiences and knowledge but also their support during these times. Even though I keep up witheverything goinghereit seems like I don't getto add anything helpful other than the odd comment now and then.You all have helped me get my family through my husband's job loss last yearand now I need to ask for more advice. I live in Charlotte, NC and after 9 years my job gave us a 2 week notice that they are shutting down 3rd shift. Of course the first thing I did was approach the directors of 1st and 2nd shift.......nothing available, then I sat down to work on our financial strategy (very, very not pretty). We haveexhausted ALL our excess reserves (bill cutting and reducing,emergency fund, food storage literally gone) in the last 7 months.I am now with this
    lay off more scaredwhere as last time I was more anxious.Well now that allmyoutstanding medical bills (86,000)have been put on the very last of the list since last year and most of them are threatening action now anywayI am about ready to just throw them up in the air and let them fall where they may. As soon as I can get my vehicle taxes and tagged paid I will head down and apply for medical assistance as I am a diabetic and hopefully be able to qualify for that program. According to the information I researched on the web for income requirements and calculationswewill not qualify for food stamps. SoI was wondering was if anyone could tell me how to go about looking for food assistance in my area. I do use the angel food network (which has been a blessing)but I will not be able to get an order in for this month due to funds not available. So again
    guys THANKS for all your help !!!!! Helene





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  4. #4
    Kelly Weyd
    Guest

    Default how we made it through a year of unemployment

    Helene, We also live in the Charlotte, NC area. Since Charlotte is so full of Churches, is it possible for you to go to one of your local Churches for help? Kelly

    Helene Wagoner <Historylover1500@yahoo.com> wrote: OK guys here I am still depending on you all. Thanks to everyone who has been sharing not only their experiences and knowledge but also their support during these times. Even though I keep up witheverything
    goinghereit seems like I don't getto add anything helpful other than the odd comment now and then.You all have helped me get my family through my husband's job loss last yearand now I need to ask for more advice. I live in Charlotte, NC and after 9 years my job gave us a 2 week notice that they are shutting down 3rd shift. Of course the first thing I did was approach the directors of 1st and 2nd shift.......nothing available, then I sat down to work on our financial strategy (very, very not pretty). We haveexhausted ALL our excess reserves (bill cutting and reducing,emergency fund, food storage literally gone) in the last 7 months.I am now with this lay off more scaredwhere as last time I was more anxious.Well now that allmyoutstanding medical bills (86,000)have been put on the very last of the list since last year and most of them are threatening action now anywayI am about ready to just
    throw them up in the air and let them fall where they may. As soon as I can get my vehicle taxes and tagged paid I will head down and apply for medical assistance as I am a diabetic and hopefully be able to qualify for that program. According to the information I researched on the web for income requirements and calculationswewill not qualify for food stamps. SoI was wondering was if anyone could tell me how to go about looking for food assistance in my area. I do use the angel food network (which has been a blessing)but I will not be able to get an order in for this month due to funds not available. So again guys THANKS for all your help !!!!! Helene



    Never miss a thing. Make Yahoo your homepage.


    &#32;
    Never miss a thing. Make Yahoo your homepage.



  5. #5
    Helene Wagoner
    Guest

    Default how we made it through a year of unemployment

    Hey Kelly, Thanks!I'm not sure how to go about it. Do I need to contact some type of assistance agency for a referral or is there a listing of places to gosomewhere I can look up? I know it seems weird not to know this informationbut even living sofrugally this past yearthese are avenues I haven'tused yet. Helene



    ----- Original Message ----
    From: Kelly Weyd <kellmar98@yahoo.com>
    To: Budget101_@yahoogroups.com
    Sent: Tuesday, February 5, 2008 7:49:09 AM
    Subject: Re: Budget101.com : how we made it through a year of unemployment






    Helene,
    We also live in the Charlotte, NC area. Since Charlotte is so full of Churches, is it possible for you to go to one of your local Churches for help?
    Kelly

    Helene Wagoner <Historylover1500@ yahoo.com> wrote:



    OK guys here I am still depending on you all.

    Thanks to everyone who has been sharing not only their experiences and knowledge but also their support during these times.

    Even though I keep up witheverything goinghereit seems like I don't getto add anything helpful other than the odd comment now and then.You all have helped me get my family through my husband's job loss last yearand now I need to ask for more advice. I live in Charlotte, NC and after 9 years my job gave us a 2 week notice that they are shutting down 3rd shift. Of course the first thing I did was approach the directors of 1st and 2nd shift....... nothing available, then I sat down to work on our financial strategy (very, very not pretty). We haveexhausted ALL our excess reserves (bill cutting and reducing,emergency fund, food storage literally gone) in the last 7 months.I am now with this lay off more scaredwhere as last time I was more anxious.Well now that allmyoutstanding medical bills (86,000)have been put on the very last of the list since last year and most of
    them are threatening action now anywayI am about ready to just throw them up in the air and let them fall where they may.

    As soon as I can get my vehicle taxes and tagged paid I will head down and apply for medical assistance as I am a diabetic and hopefully be able to qualify for that program. According to the information I researched on the web for income requirements and calculationswewill not qualify for food stamps. SoI was wondering was if anyone could tell me how to go about looking for food assistance in my area. I do use the angel food network (which has been a blessing)but I will not be able to get an order in for this month due to funds not available.

    So again guys THANKS for all your help !!!!!

    Helene







    Never miss a thing. Make Yahoo your homepage.





    Never miss a thing. Make Yahoo your homepage.




    Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [/url] "] Try it now.[/url]


  6. #6
    Gwyn Grega
    Guest

    Default how we made it through a year of unemployment

    I too, an in North Carolina, about 4 hours from you. We have a

    foodbank in Greenville, NC, and it distributes food to the tri-county

    area, which includes my county, Craven. The food comes from the 700

    club, among other places. Once it get's to vanceboro (my town), we

    have our area food pantry, called Vanceboro Christian Help Center. We

    also have a place in New Bern, a food pantry, through Religious

    Services 9they also run the soup kitchen that's in new bern) We also

    have Angel food Ministries, at a church, located in New Bern. which

    this isn't "free" food, but greatly reduced. At Vanceboro, at the

    help center, it doesn't take alot to qualify. You just have to apply.

    You'll never know if you don't try. As my dad alway's told me, the

    worst they can do is say no, and you still haven't lost anything

    trying. Food comes from our next door neighbor grocery store, food

    lion. They send all close dated meats, bread, produce etc. The

    recievers of the food get three meals a week, this includes meat.

    yep, you heard it. and all of the stuff is still good. I volunteer

    there about 4 times a month, and get a few things at the end of the

    day, that will probably be bad before the next open day (mon-wed-fri)

    so i know the food is still good. Anyway's, i am sure Charlotte has

    the same type programs, you just have to get out and look, ask

    questions, call your local soup kitchen, maybe they can answer some

    questions. I know as little as our town is, Charlotte is bound to

    have something available. Hope that helps.



    Gwyn

    Vanceboro, North Carolina

    >

    > Thanks to everyone who has been sharing not only their experiences

    and knowledge but also their support during these times.






  7. #7
    Carole Durand
    Guest

    Default how we made it through a year of unemployment

    --- In Budget101_@yahoogroups.com, Helene Wagoner

    <Historylover1500@...> wrote:

    >

    > OK guys here I am still depending on you all.

    >

    > Thanks to everyone who has been sharing not only their

    experiences and knowledge but also their support during these times.

    >



    Bless you! My prayers are with you, Helene. If you have children,

    you may wish to contact your public school. Usually, they are well-

    connected with resources for families in distress. Also, connect

    with anyone at your church, etc., that you know has been through it

    before, as they will possibly have names and numbers for you. I have

    found a lot through internet searches, and word of mouth has

    confirmed what I'd learned. When you need something physical

    (clothes, etc.), put up a request on freecycle, instead of going to

    Goodwill for it. Non-profits such as Goodwill are a great starting

    point in finding help, as well. As far as credit counseling, I know

    Dave Ramsey has tips for selecting good help. Just going with the

    first one you find can be a mistake.



    I hope this helps.








  8. #8
    Kelly Weyd
    Guest

    Default how we made it through a year of unemployment

    Have you used Angel Food Ministries? When I looked them up there were several

    Churches around the Charlotte area that do Angel Food.

    Kelly






 

 
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