I’m a week late on rent due, I only paid half, I had to call all my credit card companies and utilities to tell them what’s going on. And now my check engine light turned on because the bastard is misfiring. My wife lost her dad which fucked us both up due to missing a ton of work, and I don’t know what to do. I’m tired of asking my family for help, the for bank is only available while I’m working, I work 2 jobs. My wife is working too and we’re even took in a person to live in our spare room.

How in the world do people survive in this world when they don’t even have time to be happy? I use upside for gas and shopping I’m enrolled in every stores rewards program, I make my own cleaning supplies to save money and cook from scratch. What else could I do to save money? Also with the looming government shutdown I’m going to be furloughed for however long that is. Also what are some apps you guys use to help save money? I guess this is a lot of questions.

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    1 year ago

    The “good” news - and your landlord might benefit from hearing this in advance - is that as I understand it, you’ll be paid salary for any shutdown period, after it’s resolved. Could be a meaningful amount of money depending on how long. Making sure the ll understands that could buy you some time, but depends on them.

    I’ll assume you don’t qualify for any assistance programs given a gov salary and a second job plus your wife’s income. But…. Check anyway. Some states are rather more generous.

    I THINK you might be eligible for unemployment during any shutdown, but generally there’s a waiting period of a week, it’s max 2/3 of income with a hard cap, and I cannot cite a source that says you do qualify. Worth diggging into, very state specific.

    I’ve taken to gig work, so that the misc money I spend on myself doesn’t come off “rea” income. With a second job that might not be practical, but might be for your wife if you live in or near a relatively safe city. I ignore gigs in my hometown entirely, I make more in the nearest major city and they have “hourly” pay there so I make something worthwhile even without a tip (25% of orders don’t tip, roughly, from my experience).

    As far as your mental health, which is the real focus here…. A couple things come to mind.

    It’s short term hardship, you need to get through days or weeks - not a way of life. Understanding and actually internalizing that has helped me through some significant rough patches.

    If at all possible, don’t short groceries or the miscellaneous money your wife spends on little stuff, including her. You don’t function well without decent food. Aldi is one possibility, can be cheaper for some things.

    I’d expect family to be sympathetic to the potential shutdown, but I understand feeling like you shouldn’t ask for more. Guess what, though - they know the position you’re in already, and the potential shutdown is public knowledge as well. OTOH, that’s assuming they are decent humans and that they have the money in the first place. I don’t and can’t know if either are true.

    Gotta be honest, selling stuff is a) getting ripped off, b) depressing af, and c) you’ll have to spend money to replace it down the road. It’s to be avoided if at all possible, for all of those reasons.

    You’ve already rented a room, that’s more than I’d be able to do - I WFH so the spare room is my office, and the only place I can maintain some confidentiality of data, which is a base expectation of the field.

    Don’t know how far behind you are on utilities, but most states make it fairly easy to find just how far you can push “past due”, and what arrangements can be made.

    Some states require reasonable payment arrangements to split the bill across future months, some don’t. Worth exploring. You want to keep the lights on, at nearly any cost, because usually they’ll expect entire past due amount plus deposit to reconnect. Same for gas/water, as applicable.

    Comcast has offered 10 day extensions to me,for internet only. Have to chat and ask for it, though that may vary by state as well

    Also…. Remember there’s no guarantee a shutdown will occur, or last a long time. As we saw, last minute action is very possible. Also, if I remember the timeline correctly, we passed a 45 day CR and there are still 30 ish days left before that happens.

    Food pantries if needed - no one there is judging, they wouldn’t volunteer if they did. You almost certainly will walk out with way more stuff than you expected. You’ll need to fill in holes, but that’s a short term way to reduce your grocery bill by a meaningful amount, since most staples are there.

    Take care of yourself, it matters. The mental health side of this creates a slippery slope that’s easy to descend into and hard to get out of. Even if that just means sometimes buying a thing you particularly like as a reward for getting through the week. Compare the cost of me making a crab cake once a month, with the cost of additional therapy because I tried to live with zero extras. Silly example, but total self-denial is positively brutal to your brain, and tends to turn desire into cravings.

    Wish I had more advice, but I hope something in there helps. You probably took a gov job at least partially because it (generally) offers stability, I’m sorry that our leg branch can’t seem to maintain that.

    One more thing - unless you’re likely to get a giant pay bump, now is probably not the time to look for a new job. That takes time to spin up and find the right one, and the long term hit to eg any pension is significant. It also doesn’t solve immediate issues, since generally checks are delayed a pay cycle or so for processing.

    Again, I’m sorry this is happening to you, and I wish I could do more for you and your colleagues. You have no dog in this fight, and neither your nor the military’s paychecks should be impacted.

    • DrPop@lemmy.oneOP
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      1 year ago

      Thanks I’ve talked with a bunch of coworkers about what I can do if this happens. I can apply for food stamps if the government shutdown and we get a letter to explain everything to my creditors.as for unemployment I can but will have to immediately pay it back.