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Stressed! Need words of wisdom!!!

So my husband is laid off from work. His unemployment checks SUCK!!! I am working more but its not enough. He cant find another job! We only have one car and GMAC is threatening to repo it cuz we're 3 months behind! It just seems like nothing is getting any better. It is only getting worse. Aroud every corner is another problem. We have 3 kids and are struggling so much! We were just making it by before he got laid off! I can't ask anyone for money. We filed for bankruptcy last year so our credit sucks. i am so depredded and upset i just dont know what to do. We cant loose the car but i cant pay the $1100. to get it caught up either! I just dont know what to do. Any suggestions? Anyone been through this? HELP!!!

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CoreyLynn

Asked by CoreyLynn at 4:47 PM on Jun. 20, 2009 in Money & Work

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Answers (8)
  • temporary staffing agencies, mcdonalds, anywhere that will give a paycheck while he's still working. apply for food stamps and other state benefits.
    staciandababy

    Answer by staciandababy at 4:48 PM on Jun. 20, 2009

  • I've been there...all i can say is keep going keep your head up and do whatever you can....and i can tell you this...out of every crisis comes something good....even if it is merely the fact that you find you are stronger than you thought ! Best of luck...wish i could be more help....i don't even know how we got out of it...we did lose everything, but thankfully we were somehow able to start from ground zero and make it again.....
    FXmomTo3

    Answer by FXmomTo3 at 4:50 PM on Jun. 20, 2009

  • Cut back on everything. Stop going out, stop eating out, Do not buy things you don't need. Do not buy things you want. Shop at thrift stores for clothes and shoes. Shop at food stores that are cheap. Get rid of any bills you don't need. If you have cell phones and a house phone, get rid of the house phone. If you have powerboost internet, cut down to the basic. If you have cable with all the movie channels. get rid of those. If you have more then one cable box, get rid of that. Do not have DVR, cuz that cost an extra 15-20 bucks a month. I could go on and on. If your struggling. You have to CUT BACK BIG TIME!. also get Foodstamps and medical if you can.
    soonmommyof3

    Answer by soonmommyof3 at 4:57 PM on Jun. 20, 2009

  • Have him check out the company I work for. You don't have to be a woman to work out of the home. http://www.freedomathometeam.com/tcarter to request an interview and to find out more about the company he can go to http://www.everyonebenefits.com/tcarter He has plenty of time to work from home and they pay daily.
    tcarter1981

    Answer by tcarter1981 at 5:16 PM on Jun. 20, 2009

  • Sell plasma?? Sending them any type of payment would help right now. Have a massive garage sale getting rid of everything that you no longer need or want- or in this case everything you can do without.

    Stop eating out. I know it's probably only "$20" and that's not the $1100, but if you are thinking like that you gotta stop. It's really the small things that get us, and if you can stop those, you'll have the money for the things you need.

    Like another person said, even a minimum wage job will get you $1000 in a month. So it can't hurt to have that. Plus it looks good on your resume to see that you have continual employment instead of a big gap. KWIM?

    And finally, think about whether or not you can really afford this car. Even if you are upside down, it might be better to let it go and save up money for an older car with no payments. Check out Dave Ramsey Fans for advice and more info!

    GOOD LUCK!
    Erica_Smerica

    Answer by Erica_Smerica at 7:38 PM on Jun. 20, 2009

  • Here are some suggestions for cutting expenses:
    Don’t buy paper towels or napkins.
    Make at least some of your own cleaning supplies (this has the added advantage of getting toxins out of your home).
    Past the age of 2,the only beverage humans need is water; don't buy juice, milk, soda, etc., except as a special treat.
    Cook from scratch.
    Replace meat with beans, seitan, lentils & tofu.
    Cook dried beans instead of buying canned. Make your own seitan.
    Whole grains, like whole wheat pasta & brown rice, may cost more than simple grains, like white rice & pasta, but they are more filling &more nutritious, so they really are the better value.
    Frozen fruits & vegetables often cost less than fresh; they have the added advantage of having a longer shelf life & holding their nutrition longer.
    rkoloms

    Answer by rkoloms at 9:25 PM on Jun. 20, 2009

  • Once or twice a week have breakfast for dinner: yogurt with frozen blueberries & whole grain cereal or an omelet with veggies & a little bit of cheese with whole grain toast. Before you go to the grocery store, plan your meals & snacks for the next 8 days. Base your grocery list on your meal plan. Pull any necessary coupons. Eat before you shop. Buy only what’s on your list. The sales at the store are not to save you money, but to get you to buy more than you need; if you don't know for sure that you will use it in the next 3-4 weeks, don't buy it. If you would like some delicious, healthy & family/budget friendly recipes, feel free to contact me. -Robin
    rkoloms

    Answer by rkoloms at 9:25 PM on Jun. 20, 2009

  • Now, how is your husband conducting his job search? Looking for a job is truly a full time job. The job market has changed so much over the years, with new tools like Linkedin, etc. What hasn't changed, is that less than half of the available jobs are posted. The rest need to be found through networking.
    You don't just need a great resume and powerful coverletters, you need research skills, a handbill and a 15 second elevator speech.
    I do career and job search coaching, and I am always happy to help cafemoms (and dads) with resumes, cover letters, job search strategy and interview prep. Message me any time.
    rkoloms

    Answer by rkoloms at 9:29 PM on Jun. 20, 2009

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