Yahoo has a new series out about "Remaking America." I like it. I think that it offers hope and is giving people useful tools to find a job. It's much better than some of the other crap that they write-like this credit card ad meant to be informative.
I have a terrible point to make about the couple on the first episode, John and Michelle. Please forgive me. They are stewing in their own shit, as my lovely grandmother would have said. Their house was terribly cluttered-TERRIBLY CLUTTERED. If you missed it, shame on you. How can you have your financial house in order if you can't get your real house in order? If we don't take care of our surrounding and don't care about how we live, why would we want to save it when times are tough? Do you have the urge to paint/pull weeds/clean something?
Don't get me wrong, I think that it is incredibly brave for them to put themselves out there and ask for help. Trust me I know how had it can be to put your finances out into cyber-space(mine is on a small scale, I know, but it is still hard).
All of this got me thinking about what we would do if Den was unemployed(again). We are still very blessed that his company is strong but you never know. So I thought that I would revisit our unemployment budget. I wrote the original post on Feb. 9, 2009. Seems like forever ago.
Here is the original budget......
1190.00 House payment (stop all extra payments)
115.00 Car insurance(raise deductibles)
125.00 Nicor and Comed (line dry and freeze)
0.00 phone (drop it)
100.00 2nd mortgage(no extra$)
80.00 gas for car
0.00 satelite(drop it)
75.00 Den smokes (you tell him to quit)
60.00 garbage and water (bathe less and stink)
12.00 synthroid and iron pills (generic)
I think that our unemployment budget would look something like this now.....................
1244 house payment
190 car insurance(The kids would still pay their own)
160 gas and electric
80 garbage and water
141 cell phone
100 gas for car
The maximum Den would get is $531 because I am a dependent spouse and we have kids. If you feel like being bored to tears-here is the IL chart for unemployment rates. Den would get $2124 a month(The site says that he would get $531 a week but the unemployment sheet from 2011 that they are linked to says that he would get $552/wk. I'm going with the smaller number. Leave it to the state not to know). So I would be $141 a month short-odd that is the same amount as the cell phone bill. I wouldn't get rid of it though. I NEED to keep track of Anna. I would just see if I couldn't shave a little bit off off the car insurance(up the deductible), work on getting the gas and electric lower. I would even apply for food stamps. I think I could close it without much trouble.
I guess that I just over-plan for everything, it makes me feel safe.
Still needing a life since 09,