Archive for the ‘unemployment’ Category

how to live on nothing

September 15, 2011

So, you think you are living reasonably frugal, and then your husband loses his job. You assume everything will be alright because he will at least receive unemployment. He worked for a university out of state. The university is in Missouri, he recruited for them online, remotely, from our home in SC. You wonder and worry about how you’ll live on a little more than 1/2 what he had been earning. And then the state of SC finds a loophole to NOT PAY HIM ANY unemployment: Any company with fewer than 4 employees working for it in the state of SC disqualifies that company from paying unemployment. Purpose of the law: Protect small businesses with fewer than 4 total employees. Your husband’s employer: a University with hundreds of employees, which, under new management, decided to end the jobs of all recruiters working “remotely”. Though the job is totally done ONLINE, and no personal in-person interviews are held, and students are located literally worldwide for this educational program,  some lunk-brain decides to end all remote employees.

Your husband appeals numerous times (to the limit) and even calls on a state legislator for assistance, who is unable to change the outcome. You do not deserve any unemployment benefits from the state of South Carolina.

So now you’re wondering how to exist on -0- of his former income. Your income, meanwhile is not enough to pay your bills. Or so you think. And so, you begin slashing.

And here is how you are able to get by:

$85.00 for groceries per week, zero money budgeted for eating out, and 3 tanks of gas every 2 weeks, which is really not enough. You live in a rural state 22 mi. from your place of employment and 15-20 miles from anything else. When you run out of gas money, you don’t go anywhere, being very careful to save enough to get to work.

No TV. You already live w/ reduced channels so now you just wait for it to be shut off.

Keep the Internet because we need it for applying and looking for another job for your hubby. The Internet actually offers some TV — CNN news and many other shows are available.

Air conditioning temp. is always on 76 or above.

School loans are put into one year of forebearance. You will worry about them in the future. They will always be a part of the rest of your natural born days anyway.

One loan payment is reduced in half due to “hardship” which takes about 3 weeks to get done.

Close bank account to avoid automatic payments you can no longer afford.

Bring your lunch to work or eat popcorn until you get home.

Go to the caf for free coffee.

Your son takes over the vehicle payment for the vehicle he is driving already.

Shut off one cell phone and use your office phone. NO INSTANT ACCESS!! Hardest part about it: You no longer have a “clock” to know what time to end class (until you get used to checking it on your laptop).

Pay credit cards what you can afford: Not what they ask you for.

Your husband has no health insurance. (Not a good thing.)

Cancel life insurance you carried on each grandchild.

Switch to Geico.

Avoid all stores because there is always something on sale you could use, but you don’t *need* at this moment.

Become good at really cheap, home cooked meals & be able to make them quickly. Make homemade blueberry pancakes or muffins for a real treat. Occasionally, buy yourself a luxurious candy bar.

All of this is painful and what you keep thinking about are those politicians and CEOs not creating jobs, making it difficult for those at the lower levels to enjoy life and to even survive, and how many millions are out there suffering even more than you are. The world is insane, barbaric, greedy, and topsy turvy.

Above all, Love God and count on His never-failing, absolute, all encompassing blessings in your life. You are Rich in so many ways others only dream of.

“Noble have I created thee, yet thou hast abased thyself. Rise, then, unto that for which thou were created.”

“Close one eye and open the other. Close one to the world and all that is therein. Open the other to the hallowed Beauty of the Beloved.”

— Baha’u’llah



August 5, 2011

My husband is unemployed. Though he got employee of the month twice in the past 6 mos., he was laid off. He was a remote recruiter for a medical management program at a university in Missouri. New management decided to do away with all remote employees. And that, as they say, was that.

We live in SC. Filing for unemployment here in SC, where he worked from home and paid South Carolina state taxes, they say the university never paid any money into SC unemployment. This is not surprising, since they only had one employee who worked from home in South Carolina: my husband. However, it is not our fault, and we should not have to suffer, due to their negligence or ignorance or ineptitude in handling THEIR financial affairs. Of course, that is not how things work. We are suffering, because neither South Carolina nor Missouri will take the responsible step, and give us an unemployment check.

We do not have the ability to wait it out while they fight over who pays the unemployment check to ONE employee who happened to work from home in one state for a university in another. This is the technological age, the 21st century. He is not the ONE SOLITARY EMPLOYEE who worked remotely from home this past 2 years. But we are dealing with the government and bureaucracy of the state of South Carolina.

At this point, he has been without work for 6 weeks, and there is no unemployment check in sight, while they do an “investigation” of his employment at said university. We are letting our bills accumulate to being 2 months due, and then things will begin getting shut off. Thank you, great country and state, for looking out for the working guy, for putting people first, for caring.

I am saying my prayers and begging God for money. Yup, no qualms here. All I want to do is pay my bills. I figure God knows that. There is one job prospect in the near future and if it works out, we may expect a paycheck in, oh, let’s say a month. But that is only a hope at this point. So what we have right now, is a hope & a prayer.