I ask this because there "seems to be some ramblings" in the air around these here parts of what I call Cardinal Cottage aka our home. I can't really say because nothing has been said but things have happened and have been mentioned at the job front that makes me wonder if all is well. How will this affect us? Are we prepared? A big NOPE to that question. But most of all, since nothing is official what do we do to get better prepared in case one of us does in fact lose our job.
We are perhaps better off than some in the fact that dh can retire with a full 30 years. If he were to do that his "pay" would be quite a bit less than it is now. When he gets back to work I will ask him to look into this for me.
I only have 13 years with my employer so if I were let go I would only have whatever vacation and sick time I have built up. I would get paid only a small percentage of my sick pay.
Obviously cutting expenses is the answer. It's not how much you earn, it's how much you spend. Eh? At least that is what we're told.
We have cut our cable bill down. I know, I know cable..........Why do we have it anyways? We have had some talks of going down further on it. Not getting rid of it entirely. Perhaps going to a basic package.
We are considering getting rid of our land line. We both have cell phones and really the only family member that calls us regularly on the land line is my father in law. He would be fine calling on the cell.
We are on equal payments for our heating and a/c. I like having the same amount each month.
I will be cutting way back on trips on the weekends. You know those get in the car and just drive around trips. I plan on staying home more and when going out trying to be very good about pooling several stops on the same trip cutting down on future outings.
Putting a definite amount to our groceries. We will not stop going out to eat entirely. DH and I both enjoy that but we will cut down on the number of times we go out. Since that will happen I do not feel bad or guilty at upping our grocery budget. It won't be a huge increase but enough to be able to buy some gourmet ingredients if needed to make meals that compare to what we get out. But recently I've found that what I've eaten out is leaving me feeling like ugh. The food just didn't taste as good as I remembered it. Perhaps it is because we go out too much that I don't appreciate it as much? Or perhaps the quality of our favorite restaurants is going down.
I don't buy a lot of clothes to begin with but.......I do need work clothes. It's hard to find my size in thrift stores so my usual store is Dress Barn.
Most of my spending is on the "craptastic" stuff that you know I just have to have. Oh it look so cute and then it gathers dust or breaks. That will stop. I am bad about buying magazines and books. So I am going back to the good old library. I love the library. It is one of my best friends. I can lose myself there for a few hours. I find it relaxing and calming. Reading a book can take us to places we'd only dream of going without leaving our home! If I find a book that is utterly life changing or simply so inspiring then I will consider buying it!
Just hearing of these "unemployed" ramblings is getting me fired up. One of the ladies I follow on facebook announced yesterday that her husband lost his job. So something is going on. I don't think the economy is as good as they want us to believe.
Right now we have enough. We don't have enough of an emergency fund but we have enough in the cabinets to feed us. Maybe not like the food network but still tasty meals. We do need come coffee for the hubster. We have enough cleaning products to last a long time. I kind of went cray cray ordering Mrs. Meyer's Cranberry counter spray and dish detergent last fall. But really that stuff smells amazing! It. rocks. I need to fill the other car with gas, then we will have enough there to last at least a week and a half to perhaps last to two weeks. The bills are all paid for the month with the exception of my car payment and I will make that when I get paid next week.
Right now we are good. I just have this nagging little thought in the back of my head that something is going to change.
Have you ever experienced unemployment? What did you do?