We don't even have a car to live in if we needed to.
April 8, 2009 8:20 AM Subscribe
What do we do now that we're both unemployed? This is not a question about how to save money or spend less.
posted by anonymous to work & money (37 answers total) 22 users marked this as a favorite
I was laid off in January. My partner was laid off yesterday. We have no savings. We are on a debt management program (which includes all of our credit cards at the lowest possible APR and lowest possible monthly payment), we have monthly rent (on an apartment for which we just renewed the lease two damn weeks ago), we have a student loan, and we have an unsecured loan through the bank. Plus, you know, living expenses like food and electric.
This question isn’t about how to save money or spend less, we know how to do that, and we were working towards being more frugal and simple even before I lost my job. What this question is, is what the fuck do we do? How do people live without jobs and income? How do we keep a roof over our head if we can’t afford the rent we have now and no one else will rent to us since we’re both unemployed and therefore can’t meet the income and credit requirements? How do I keep paying for my medicines for my chronic illnesses (none of which are on those $4 Wal-Mart/Target/Costco/whatever lists, so don’t bother suggesting that)? Most of our friends are living in tiny apartments and don’t have anywhere for us to stay (and we would never ask anyway), and our families are three states away (and that particular state has an even worse job market than the one we’re in).
Yes, I’m getting unemployment, and yes, my partner will be too. But it’s not enough to cover all of our monthly debts. And my unemployment will run out at the end of July, while my partner’s will run out sometime in September. What happens if we haven’t found jobs by then? What do we do?
I am doing some freelancing, which brings in a bit of money sporadically. I’m trying to get more clients, but you know how the economy is. Partner will start looking for temp jobs and “real” jobs tomorrow. So, we’re taking steps. I’m just terrified and wanted to throw up as soon as I heard she was let go.
Bonus question: How will new jobs be created? It seems like everything’s being cut now, and there won’t be a reason to recreate them in a year or two. Even “service” or “skilled professional” jobs are going away because all of us paper-pusher’s can’t afford our coffee and we’re fixing the leaks with duct tape because we can’t afford a plumber. The demand for products and services is going away (because people are losing jobs) and so jobs that provide those things are going away. It’s a big circle. How do we fix it?