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A quick: I'm baack, and Post-Employment Plan

December 12th, 2013 at 09:23 am

Thank you for all the kind words of reassurance from Tuesday. It is difficult to be home alone and let your mind run when you hear the words "definite unemployment" of the sole breadwinner and you are a SAHM with a largish family. DH also received a lot of support from his fraternal organization and already has had offers to pass on his resume, the offer of a mentor, and some other ideas have been shared. We are definitely blessed with supportive communities, both faith-based and cyber-based. Smile

DH will receive his pink slip on Monday the 15th. Our state requires 60 days notification, so February 15th will be his last day. Severance won't be offered as a lump sum, rather spread out as regular pay over 14 weeks following that. Our insurance premium will remain the same during that period. Once that is up, we will be eligible for COBRA for 15 months.

Immediate financial things:

1) End this year, owing only $2,500 for tuition. We will have $0 consumer debt and $10K in the bank.

2) In January, take $1,500 plus the tax refund to pay off pre-pay real estate taxes on our primary residence. This will be a relief to have that off of the table.

3) Take an additional $1,000 from the budget for January-May and put it in the EF. This will take us to the post-employment/unemployment budget that we put together.

I looked into cheaper alternatives to the crown that my husband needs, and came up with surprise how much less expensive it is at the dental clinic associated with the dental school in our town. I used $160 of my $200 Target gift cards to shop for groceries and household items using sales and coupons. I am feeling less Mother Hubbard-ish looking at my "stash". I was able to replace one son's school pants for $10 and his jeans for $7 at Target and was happy about that (included in the $160 spent).

The interesting thing about this experience is my DH is back, personality-wise. He was home at 5:15 the past two days. He drove kids around to soccer and dance. He listened to the oldest daughter's speech which she gives today (albino persecution in Tanzania). That is what I've missed the most. So I suppose it is a win-win for us as a family. We did get derailed the past five months with the "promotion" that wasn't worth it. There is also talk about expediting things to get DH moving onto the diaconate in March. That boat didn't sail with out him.

Tonight we're off to Mass at 5:30 to celebrate Our Lady of Guadalupe's Feast Day. We'll be having a fiesta with our parish family. It is free and nothing beats faith and fellowship. And tomorrow we're singing with the Cub Scouts at the Rehab Hospital and Retirement Home before a cookie exchange.

My daughters switched dance schools. This is a start up school and they are happy to have the girls. The tuition is way less for double the class time. Only negative is that they danced for two solid hours yesterday and came home with bleeding blisters. Oldest daughter just babysat for our well-off friends who pay her $25 an hour. She asked if I could take for new shoes (about $40 for the soft) and pre-wrap. And then was quick to say she only needed a ride, not money. She'd be taking care of this purchase herself.

So, I really am leaving now until 2014. I am blessed to have the support here that I have and if I could give you all big hugs back, I would. But, you'll have to settle for a big old cyber-hug. Blessings and peace to you all.

9 Responses to “A quick: I'm baack, and Post-Employment Plan”

  1. creditcardfree Says:

    (((Hugs))) back at you! The best part of everything you wrote is that your husband is back and engaged in the family. Just as it should be! You will do great.

  2. scottish girl Says:

    (((Hugs)))

  3. CB in the City Says:

    Your husband's new attitude tells it all! He's relieved. Hang in there, I know you'll do great!

  4. ThriftoRama Says:

    It sounds like you have a good plan in place. It will help carry you through the rough times. Do you live in an area with a reasonably varied economy? Do you anticipate being able to find good work without relocating?

  5. PatientSaver Says:


    Good luck!

  6. Rachael777 Says:

    Great turn around. YOU are back too.
    Smile

  7. Carol Says:

    (((Hugs)))!

  8. nhgirl1970 Says:

    Wishing your DH best of luck in finding a new job. Enjoy the holidays; we will see you in 2014!

  9. pretty cheap jewelry Says:

    see there's a little silver lining already; being THERE for the kids achievement

    Many no expense together times to you!! look at neighborhood lights, snow play, or play cards as a family!

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