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More serious consideration

July 27th, 2010 at 08:55 am

I am feeling unprepared at the moment -- not quite sure why, but there is that unsettling gnawing feeling that should my husband lose his job, I wouldn't be able to confidently smile and say, "God will provide" as my recent encounter with a newly unemployed father of seven.

In looking at the paychecks through the month of October, I realize that if we keep to our planned payment schedule and budget, we will be one mortgage payment ahead by 10/31. Once this is accomplished I will feel some relief. Our utiities are on budget payments and if I pay 1-1/3 of them through the next three months, I would be one payment ahead on that as well. Might not be the smartest move, but it would at least put my budget one step ahead.

DH's severance is two months. I would also put my student loan payment in forebearance, and I would imagine that my kids' school would cover or waive those tuition payments. We finally gave the present tenant the ultimatum that in order for her tenancy to continue she must pay 1/2 the rent every two weeks. I would feel better if she had a longer history of doing this (she is presently two payments into the new schedule).

Thankfully the expenses upcoming aren't that bad. The fall sports are paid for. We have an overnight trip planned for September and I was able to get the hotel room for $129 plus tax.

I should be giving some serious thought to economizing on the holidays and kids birthdays (we have four from August to December).

I have also contacted the hospital about my remaining bill and will pay $25 a month until the balance is paid off. I will pay 1/2 the doctor and anesthesiologist bills too. That is under control./

How much money can I send to the EF? Watch me as I try to grow the EF!

7 Responses to “More serious consideration”

  1. north georgia gal Says:

    Sounds like you have a good plan! Good Luck!

  2. My English Castle Says:

    Good Luck with the refunded EF! We've spent plenty of ours on our basement remodeling, and it's time to restock it when we return from England. I'm a bit uptight about ours too--for me it's the lack of summer paycheck. But we can do it!

  3. Joan.of.the.Arch Says:

    I think sometimes when people say things like "God will provide," "It'll work out; it always does," "Something will come through," it is just a way of politely saying that they don't want to discuss it. Frown
    Y'all might need to keep an eye on that family and find small ways to help them out, even to employ them. Like, maybe you could hire the husband or wife to clean your windows, to power wash your driveway, to reset a crooked fence post, to sew some cool living room pillow covers, etc.... These are some of the kinds of things that might help your own family survive unemployment, too. Good to think about it from your own perspective as well as from other's point of view.

  4. momcents Says:

    Joan, I wish you could have seen and heard this man with his honest conviction that God will see his family through this turmoil. He is probably better able to sleep through the night than most.

  5. creditcardfree Says:

    Good luck with your EF!!

  6. frugaltexan75 Says:

    One thing to remember, kind of along the lines of Joan ... God may provide, but he uses us humans sometimes to do the providing. That little urge or nagging thought to leave a bag of groceries on someones doorstep, or call someone and invite them to dinner ...

  7. momcents Says:

    Absolutely agreed, FrugalTexan. I believe that God works through us as well.

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