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Very upset over life
I need to vent. I am very upset right now. I really needed the teaching job that I got turned down for. I needed it more than most people know. It isn't just a job, it was the way we were going to survive to pay our bills and live life with ease. We need that income so bad. Now I'm not sure what we will do. We are even talking about moving into a small apartment. Right now we live in a nice 2 bedroom townhouse in a residencial neighborhood. It's nice and quiet. We have a backyard and a garage. We pay $1350 per month, plus all utilties. If we move we'll be in a little tiny one bedroom for $850, or a two bedroom for $1050 or so. I don't know if it's worth it. We will have to pay someone to help us move and we might have to borrow money to pay for the move in security deposit. The decision has to be made ASAP because our lease is up Sept. 15. Honestly, DH and I don't want to move, but saving $300 or so each month would be a big help.
I also do not know what to do about health insurance. I found a plan for $320 a month but if I get pregnant, it only includes $500 for ultrasounds and blood work. That's nothing! Then the bills for those will start piling up.
Now as you know we are TTC. I want a baby more than anything right now. Not getting this job makes me want a baby more because I won't be in a career. My SIL yesterday told me that there is no way we can even think about having a baby now. She lectured me about how she brought her first two kids into the world without having a steady job and she wasn't able to provide for them. Later when I talked to DH about it he said she's crazy and in no way shape or form did her first two kids struggle in anyway. They were dressed in Polo clothes and wore baby Uggs. She makes me so mad. Why lie?
DH and I have to sit down and go over all the bills we have. However, I know that when we add all our bills up and compare it to the amount we will be making, we will be negative each month.
Does anyone have any advice for me? I'm so upset. I've done nothing but crying since I found out I didn't get this job. It's truly a sad situation that I'm in.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
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Re: Very upset over life
I know it's never the ideal solution, but could you find another job in retail with more hours at least for this school year? I hated working retail but they are almost always hiring especially with the holidays coming up. I understand why you wouldn't want to move. Are there other expenses you could cut out? We got rid of our cable several months ago. It's saving us about $80 a month. DH and I have talked about when I stay home I can cut back on the texting and data plans for my phone. If you really look at your spending maybe you can find other areas to cut back on that will let you stay in your townhouse.
Hugs!!!
Tara you're not going to like what I have to say but I think you need to hear it. If you are going over your bills each month now and dont have enough money how are you going to have enough money to have a child? As much as you want to have a baby I dont think now is the time. Babies are not cheap and I would hate to see you in a position where you may not be able to make rent or buy food because you need to buy diapers or something else for the baby. You need to put TTC on hold.
I agree with Michelle that you should be looking into getting another retail job or see if you can pick up more hours. It's not fun but sometimes you have to do what you have to do.
I am going to agree with Michelle on this one. See if you can find another type of job. I know it isn't teaching. I am there too. I think the move would probably be the wise choice. I would come help you move too. Yes it might only save you 300 per month, but when you are making less than you need to pay the bills, anything can help.
I am going to agree with this too. I know it makes you upset, but you have to think about what kind of life you want your children to have.
I'm so sorry for what you're going through, Tara. I know things have been tough for you lately.
I agree with everything that's been said already. Moving is probably a good idea. It doesn't sound like a lot, but $300 will help so much. I would definitely look into getting a retail job so that you have some more income. Cutting back on cable and phone plans is a great idea. There are a ton of options out there for cheap prepaid phone plans. Also, if you aren't doing this already, coupon clipping, brown bagging, and meal planning are great ways to save money on food.
Putting TTC on hold might be best right now. If you can't afford your current bills, you won't be able to handle your medical bills during your pregnancy or baby expenses after. So many people end up filing for bankruptcy over medical bills. I know that's extreme, but I wouldn't want to see it happen to you.
I really really hope things start to look up for you, Tara. You're such a sweet person and deserve good things. *hugs*
ETA: Have you already looked into unemployment? It's possible you are eligible since you aren't working in your profession even though you have been applying.
Thank you for your opinions but I am not going to put TTC on hold. Somehow, we will be just fine providing for a child. If I get pregnant we'll make it work. With all my fertility issues, I'm not going to put off trying. We don't know how long it could take. It may take years.
I'm going to look into apartments/condos today. Alyssa thank you so much for offering to help.
Oh and Michelle, I'm working at a resort/hotel gift shop right now. I'm going to keep that and substitute teach. I'll be working 7 days a week so I wouldn't have time to work in a retail job. Thanks though.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
I remembered that you wanted to substitute teach but thought I'd throw that out there. I picked up a part time job in the evenings and on weekends at Walmart when I needed extra money. I hated every minute of it, but it's an idea. At least you do have the gift shop job right now. Will they give you more hours?
Did you DH every hear back from his interview?
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
They may give me more hours. I'm going to ask when I go in tomorrow. I'll need more hours for the month of September because substuiting doesn't usually become steady until October.
No, my DH never heard back from his interview. He also applied to be a full time tutor at a drug rebab center (there was an ad in the paper for it.) and he's going to call today to follow through that they received his resume.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
Thank you so much. I've already used all my unemployment benefits.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
I would do some online insurance shopping for individual insruance. It may be cheaper than the cobra rates you'll be paying.
I also want to add that I just emailed my resume to be an adjunt professor at the local community college. I'm not giving up.
Thank you guys for your support. I do appreciate it all of your advice.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
That's so great of your mom. Hopefully your DH hears back soon. Or at least can get insurance at his job.
I can at least understand the money worries. My ex was a loser in that he rarely could keep a job for long and at one point I was supporting both of us on $8.00 an hour and trying to make rent much less groceries and bills. But somehow I figured something out. I know it's not the same situation other than trying to make things work on a really low income. T&P's that you get it all worked out.
Edit: I'm not meaning to imply not having a job makes someone a loser. I re-read that and it sounded harsh to me. I meant that he didn't have a great work ethic and was routinely fired or let go and then would drag his feet in trying to find another job.
I'm not doing Cobra. I'm just doing an extended coverage with the plan I had through my college. It's only $247 per month. I'll be on that for three months then if DH doesn't get a plan for us then I'll get the $320 plan that I found through esurance.com. I've done lots and lots of researching and it's the best plan for me in my budget.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.
Regardless, I wish you the best of luck. Everything will work out for you, because it is supposed to! Just remember that!
Michelle- I got what you meant. I don't think it sounded bad at all.
Michelle, I knew what you meant. I didn't take it that way at all.
Married the love of my life on 1-21-12. Our princess arrived on 5-28-13.