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Drivers License : It Could Change Our Lives

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One adult, Four children, Three Two dogs, One cat – three working, two days a week of homeschool co op, four in activities, all social.  The amount of time I have spent in the car every week…well, it makes me dizzy just thinking back on it.  But now, I’m getting some relief!  Please join me in congratulating History Buff on receiving his drivers license this week!

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For now, he’s only driving himself places until I and he are comfortable with the idea of him truly driving (ok, mostly me.)  But that has already taken a load off since he works almost every day.  Woot, woot!

Financially this is actually helping me…he is paying his own car insurance at $72 per month (he already pays part of his phone bill) and I am going to fill up his car one time per month approx $20 for times he helps me by running errands or taking others to an activity.  He will otherwise be responsible for all gas and car maintenance for his car.

So even during the challenges we are facing, some exciting things are happening over here!


What to do When You Lose Your Job

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I’ve been attending a Job Transition group since I got the news of my impending lay off.  It’s been great to connect with like minded people (faith based group) who are going or who have gone through similar situations.  This morning the talk to turned to me with questions of healthcare now, unemployment benefits and general “what to do when you lose your job” tasks.

It’s been a LONG time since I was here…2006 to be exact.  Then it was pretty cut and dried.  I applied for unemployment benefits that lasted 4-6 months, paid for COBRA medical coverage for up to 18 months to continue our medical benefits and started a job hunt with weekly reporting to the Employment Commission to continue to receive my unemployment payments.

Now I’m not leaving corporate, I’m leaving contract work so no unemployment as far as I know, no COBRA and I had three weeks notice rather than the single day I had last time.  Very different and not so cut and dried.

So I’m hear asking for your collective wisdom…what do you do now when you lose a job?  Here’s what the Job Transition group advised me this morning….

  1. Apply for unemployment…let them tell me if I’m eligible or not.  At least it might result in some temporary income.
  2. With the new Obamacare, I cannot let my medical insurance lapse or I will face penalty, so I have to do something about that.  And without steady income, well that could be problematic.
  3. There  are lots of alternative resources out there, research them now, apply for help now, just in case, so that I don’t get to the point where I’m panicking and reach the point of no return with certain financial matters…suggestions are United Way (strict guidelines for help that I probably wouldn’t meet at this point,) local churches are not governed by strict regulations, grants for single moms, etc.

So here I am asking for your best advice, what would you do in my shoes?  What steps do I take now?