Square One Again: Familiar, but Not Comforting.

I should be sleeping, but I can't.
My mind is a whirlygig of worries and "what-ifs"
(Say THAT 5 times fast!)

I have my moments where I'm going through the day as though things are fine.
It's almost as if the Husband is just home on a long weekend...

but then I'll remember:
He was laid off. We have no income.

And my chest seizes up-- my eyes start to burn from tears...

What are we gonna do?

Keeps on ringing through my head.

I am paralyzed by fear of what could come, what IS coming if he doesn't find a job within the month.

I am angry and defeated at/by the circumstances.
Ones that we are no strangers to...

Weren't we JUST here?

In the summer of  2007, we were riding high.
New apartment, new engagement, our lives beginning.
Money was tight, yet we were making it...

But just as we got settled, Huz got laid off.
After 4 months of struggling on 1 income, he got a new job.
We could get back on track!

Then my job went out the window.
4 more months of struggling, and I finally found a new job.
It was at a pay cut, but it had potential.

We began to climb out of the hole that was rapidly starting to form...

A week before our wedding, I was laid off.
The economy was tanking--they couldn't afford to keep me...
And let me go two days shy of 90 days, so I didn't even qualify for unemployment.

That was March of 2008.
By July, I still didn't have work.
We were barely limping along.
All we could afford was our rent and utilities.

Everything else went to shit.

We owed all of our billers
Our credit cards were maxed
Our accounts were delinquent
There was no savings to speak of, or money in general.

Our lease was up on the 1st of August and they were jacking our rent up.
We  frantically tried to find another place to live, but didn't meet any of the income/credit requirements.

(in CA most buildings mandate that you pass a credit check and make at least 3xs your rent amount to qualify for tenancy)

None of our friends were in a position to help us, so we did the one thing, the LAST thing we wanted to do:

Called my husband's parents and begged.
 It was as demoralizing as you might expect...

They, rightfully, felt like we (as married adults) should figure it out ourselves and said no.
But when it became clear that it was their house or our 2003 Jetta, they consented.

So we packed up our apartment into a storage unit, gave away our dog (who we ADORED) and drove over to their house.

(On the way, we rear-ended someone. I should have known then that we were in for a difficult road)

We thought it was going to be a couple months...


As I talked about several times here in these "pages," it's been almost 3 years.

A much harder and less fruitful 3 years than I think anyone expected, but there was positivity and SOME  progress.

We were finally at a point were there were no more collectors calling, no more delinquencies.
There still wasn't any savings (thanks to medical bills and needing a new car, OH, and having a child), but there were a few bucks in the bank and our bills were getting paid in full and on time.

Still had a shitload of debt and I had no idea when we'd be able to have our own place; worrying about money constantly, but I could always say:

At LEAST the bills are getting paid. 
We are providing for our son.


Now We can't say that.
I paid what I could for this month--still trying to figure out the rest...
There will be nothing left for next month.

As I said in my previous post, because of my in-laws, O will not go hungry, and we will have a roof, but what about everything else?

I know this is going to drive us deeper into debt--how much deeper?
What about our credit? (Which was finally cleaned up)
What about our CAR?
Am I going to have to default on my student loans?

How long will it take us to rebound from this, when we haven't even fully recovered from the last time?

We want to move forward.
We want to be optimistic.
We're wishing for that miracle...

But looking at our peers and the economy around us, we know we have to be frank with ourselves.

We're trying to be proactive.
We've got resumes flying and we're following up on every lead that crosses our path...
We're doing everything we can, but we know that's not enough.


It's taking a toll on us. On every level.

We will weather it, I hope, but how beat up will we be coming out on the other side?
I'm not sure I want to know... 









Thank you to everyone who has commented/emailed/tweeted/texted/called us.
Thank you for your support, encouragement, prayers and hope for us.
Thank you for keeping your eyes peeled and ears open.
Thank you for listening.
We really appreciate it.
We need it.

The Silver Unemployment Line(ing)?

A pet peeve of mine?

When you’re really upset over something legitimately crappy and someone gives you that patronizing sigh and says:

Well, It COULD be WORSE*, you know...

Trust me, I’m fully aware of that thank you, but could you give me a freaking minute??

(Worse still? “Blessing in Disguise…” Makes me see RED.)

My Husband was laid off last Monday.

He had to repeat it to me at least 5 times before the words even started making sense…

He’s been with them for almost 4 years.

From the BEGINNING…

When the owner was still operating out of his dad’s house.

Huz was instrumental in getting their office up and running.
He WAS that damn office for the first year and a half.

Organizing/Cataloging their inventory.

Training the other employees.
Making connections with vendors and customers alike.
Helping to BUILD.

And his boss just walked in last Monday afternoon, after he’d worked almost a full day, handed him unemployment paperwork and said:

“We’re Sorry.”

With that, he had to pack up his shit, hand over his key and vacate the premises.

No explanation.

Not even two weeks pay.

The other two employees in the office?

The ones MY Husband trained?

Still have their jobs.

We were completely floored.

Yes, it was tiny company.

Yes, business was slow.

But they kept saying that his job was fine.

We naively assumed that he would be the LAST person to go.

Not that I wish for anyone else to be unemployed, but it’s pretty sad when loyalty/hard work means NOTHING.

We haven’t got any savings or any real money in our bank account.

We are now a zero-income family.

With a child and $2000 a month in bills to cover.

[With about a $100,000 in debt from student loans/medical bills/car loan that we're trying to repay, the bulk of which can't be declared in Bankruptcy, so that option is out]

Fucking HELL.

I am panicked.

My husband is panicked. He just represses it better.

I spent the last 3 days vomiting; I’m pretty sure due to stress.

No, we will not go homeless or hungry, thanks to the in-laws, and that is HUGE…

But it’s hard to breathe a sigh of relief when there are all these bills hanging over our heads….

[and we all know the domino effect that begins when those bills don't get paid on time or ya know, AT ALL....]

If you’ve read this blog for a decent length of time, you’ll know that money was already a huge issue for our family—a constant source of worry/stress/fear, and that was WITH a full-time paycheck.

I don’t know what the fuck we’re going to do.

I paid the car insurance

The car payment

The phone bill

Our DMP bill

And bought diapers/wipes for the month.

That’s ALL, folks. We are tapped.

I had a melt-down this afternoon when I realized we were out of milk for O and had no money for groceries…Of Course the ILs got the milk, but just the realization of being that tapped sent me to a dark place...

Spouseface applied for unemployment, and we’ve applied for Medi-Cal…hopefully we’ll be approved and both will start soon, but UE is barely gonna make a dent.

Huz needs to find a job ASAP.  Like yesterday.

Did I mention the $5000 ER bills we got in the mail? With the notification that more are probably on their way?

It’s a party over here, people.

I’m giving out panic attacks and the nervous shits as party favors.

Wooooooo!

Help is on its way, right?

......Crickets.....

Fuck.

Insomnia?
Suuuuure. Why not!

Parrrrrty!

*My heart goes out to all of the families out there struggling like we are, but ESPECIALLY to those families who are victims of natural disasters. I DO know that it could be truly worse, and that I am lucky in my own way.

Gimme Gimme Gimme some LOVIN'.

All the cool kids are doing it....

And by cool kids? I mean Andrea and Kacie. I strive to be as adorably cool as they are someday. Check them out!

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Based on some emails of confusion I've received since, it seems I was mistaken...

So could you take a sec to re-follow me at the new url digs and/or BlogLovin'?

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Just Plain Jayne.

New Look, Same Great Sarcasm!