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Posted 6/17/2019 3:16 PM (GMT 0)
Whoever said "money can't buy happiness", probably has never been broke.

My temporary job ended, and I am now unemployed. I don't have much in savings and am getting a bit antsy about how I'm going to pay next month's Bill's. Yes, I can get unemployment, but they totally suck, the money you receive is small, and you have to go through hoops just to get it.

I'm 42 years old, and I have nothing-no retirements, savings, nada. I can't believe I went to college, etc and this is where I am at with my life. My friend once told me how much she had in her retirement plan, and I was so embarrassed that I had none!

The government keeps saying the economy is growing etc. However, I don't believe it. My only consolation is that there are a lot of people, professionals and others, in the same boat.
Posted 6/17/2019 3:48 PM (GMT 0)
You are right, the economy isn't growing. Maybe for the wealthy but not for the average person. It is getting harder and harder to stretch money. I feel you. I am going through the same thing. I hope that something breaks so money can go farther.

I too have little retirement. I get a measly 400.00 each month, but I do have insurance through retirement so that is something. I hope things get easier for you and me too.

Hugs, Karen...
Posted 6/18/2019 3:44 PM (GMT 0)
I hope things get easier for both of us!

It's depressing not receiving an income and not having a purpose for getting up in morning.

Grrr...I'm already having anxiety about dealing with unemployment. I hope I can get a job soon.
Posted 6/18/2019 4:09 PM (GMT 0)
I think you will and with unemployment you can be a little picky about your job.. I was always use to having some kind of schedule... I don't anymore since I am kind of retired. I would like to take an online college course, but can't afford it right now. I am kind of old, but they say you are never too old to learn. I am 60.

Try not to get anxious. Think of it as a vacation. As apposed to not working. Did you sign up for unemployment? Sometimes it goes smoothly. It never did for me though. There was always something making it hard.

Today I go to therapy. I am due. It is a long drive though and I always ache. But I always feel better for going.

Take care and have an awesome day!

Hugs, Karen...
Posted 6/18/2019 4:22 PM (GMT 0)
Yes, I have an unemployment claim.

I hate dealing with unemployment because they make you go through hoops before you can claim it. Also, in NY, the amount you get in unemployment is so low that it is hard to survive.

The thing is that there are not an abundance of jobs as the news would have you think. We are living in the gig economy where most jobs are temporary, no matter what your profession, as companies don't want to pay benefits, etc.

I know people who have been at companies for 10, 20 years only to be let go. Nothing is permanent anymore!

I think you should definitely do the online classes if you can find one reasonable price. Have you also thought about community college? You're never to old to learn and grow.
Posted 6/18/2019 11:59 PM (GMT 0)
I have been to community college (a couple of times). I need 12 credits for associates in art and a secretarial science degree. But I would like to take some art classes again. They probably have some now that I did not take. It was in the 70's and 80's when I went. At that time I had taken them all. I blew off a scholarship to an art college. That was stupid. Oh well...

I know what you mean about dealing with unemployment. When I was drawing it years ago, they made me go to several places every week to apply and re-apply for jobs. There wasn't that much offered. And you pretty much had to prove you were able and available for work. A few years ago, all people had to do was call in to get their checks. It is never easy for me though. In the past I got a little help from the department of human services. What they gave me, they made me work for or pay back. Just doesn't seem fair to me.

It is sad when you work for a company for 10-20 years and then get let go. You are right, nothing is permanent anymore. It is sad...

I think here in Michigan you get about 80% of what you were earning, though that may have changed since I drew anything. And I could be wrong about the 80%, but it was 40-50 years ago. My that makes me feel older than dirt. Ha...

Have a good night FP. I hope that things work out.

Hugs, Karen...
Posted 7/17/2019 5:16 PM (GMT 0)
Dear Forever Positive,

I am sorry to hear of your situation, but reading your share helped me. I am often embarrassed about the money I have for my retirement, because it is not much compared to others. We're all in different places I guess.

I have gotten a lot of good feedback and learned some things about my use of money through Debtors Anonymous. The program has meetings in lots of places. I know 12-step programs are not for everyone, but thought I would mention it in case you want to try it.

As far as unemployment, I didn't have a hard time. I was unemployed during a period where they allowed you to get benefits for an entire year. It was about 80% of my earnings, so I did have to cut back on some things.

Regarding the rules of umemployment, I just had to keep a log of my job attempts. It was almost 100% online. I forget the requirements of how many attempts, but think it was 3 attempts a week. I logged way more than that.

I wish you the best of luck. I have found sharing about whatever is bothering me to always help, so I encourage you to post here, even if nothing is happening.
Posted 7/17/2019 8:09 PM (GMT 0)
Thanks for sharing.

The bulk of my debt consist of student loans. I may try Debtor's Anonymous. It's really hard for me to save or pay off debt due to job instability.
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