I am being laid off.
We JUST got through DH's year-long unemployment & were starting to get back on our feet & now we're knocked back down again.
We have a bit of savings and will be OK for a while but I am trying to think long-term.
When DH lost his job, it felt different -- he was available to work full-time, any time, any job.
For the last couple of years, I've been providing almost half our family's income (plus health insurance etc.) but I've only been working 20 hours a week. From home. And I've been DS's main caretaker (DH helps out when he's home but often I'm working while watching DS). I can't imagine finding another job with benefits and OK salary and part-time AND from home. I just don't think I'll find it. I'm not even sure I *want* to find it... I've wanted so badly to just be a SAHM, especially because of some mental & medical issues, working has been so so stressful & fully depleting for me & it's not what I want out of life. I just figured out a way to afford badly-needed therapy & now I'm worried I'll have to quit since I can't afford it but I need it!!
So I'm mostly just venting but also looking for practical advice... Like it looks like we may qualify for some gov't health insurance & stuff with only DH's income considered..;. But I'll be receiving severance pay for a bit so do I wait to apply 'til after severance has been paid out? Or do I apply now? Am I eligible for unemployment even though I've been part-time & really will only be able to accept another similar position, not a full-time thing?
My DS is 3 and high-needs, sensitive, incredibly anxious, has some social/emotional delays/quirks & struggles a lot in social settings even if I'm RIGHT THERE (never mind when I'm not!!) so I just don't feel I could put him in daycare/preschool, even if I WANTED to, which I don't. I don't think many people would understand this. Of course he'd survive but I don't feel like it's in his best interest at all. I feel like I am expected to just find a full-time regular job. It hurts.
Anyway. We also contacted our mortgage lender but it doesn't seem like they are able/willing to do a loan modification or refinance... they claim our rate is already low (5.5%) but if we could save even just a couple hundred dollars a month it would make all the difference. We are upside-down due to housing price crash so we can't really refinance any other way, and I'm afraid to try because we may have inadvertently done work without permits so I'm scared to get an appraisal & get in trouble somehow.
As it stands, if we can't get any assistance, the only bills we'll be able to pay are the mortgage/insurance, health insurance, and maybe student loans on DH's income. No food, electric, etc. We can live off our savings but what will we do when it runs out??? Even my internet is provided by my job... We already don't have cable etc. but I don't know if I can deal with no internet & being disconnected from the whole world when I rely so much on it for my sanity!!! My state has one of the highest unemployment rates in the country. And COL is high (especially compared to incomes) here. My state has one of the highest unemployment rates in the country. And COL is high compared to incomes here.
Arghhhh just so frustrated and confused. I don't see how we can cut back on anything, we already live about as minimally as we can. People are happy I got laid off because I always said I hated this job -- but I had come to terms with it, because I needed it, we relied on it for more than just an income but also a way to support the lifestyle we have chosen, and if I was going to leave this job I would have liked it to be MY choice & have my ducks in a row & all.
The only real options I can see are living off savings & hoping something magically changes before the savings run out, or filing for bankruptcy or something so we can get rid of the house & find a crappy apartment & still struggle, but not quite as much, to make ends meet. I feel so stuck.
Well, thanks for reading & any ideas & advice are welcome.