All too soon baseball season will be over and I’ll have a solid state of mind!

I absolutely believe in the steps RD has outlined. It works. It got us down to minimum CC payments of $120/month plus the car pmt ($390 but that is down from close to $500). We are in BS2.

HAVING SAID THAT: when DH was let go, his severance amounted to 3 months worth of minimum living expenses (rent, utilities, car pmt, CC, food, gas for car, car insurance). For us, this comes to about $4k a month, $3k if I forego gas for car, food, CC pmts (our rent alone is $2k).

I don’t know what I would have done without that 3 month cushion. I have never had ANY cushion before (we have built and used our $1k BS1 so many times I can’t even count). So when DH gets another job, anything he makes above and beyond our bare minimums is going to go into a FFEF.

Now, it may mean that I put it into a FFEF, and once I hit the total payoff amount for a CC or whatever, I take that $ and pay that debt off, (the car debt for example, which is a huge monthly bill) but I’m not going to onesie-twosie it like we were doing before when we were totally focused on BS2. Having $12k in the bank is way more important to me given what we are currently going through.

But that is just our house. YMMV, and most likely, will 🙂

So we have done two full months of unemployment and are heading in to Month 3

We are doing ok $ wise until the end of May. Come June 1 I may be singing a different tune…but for now we’re good.

DH has gone on about 8 interviews (so, that’s one a week, which is pretty good I guess.) They love him and want to hire him, but not at the money we need. It’s ironic, you’d think it would be better to be employed than not, but that’s actually not the case. I worked the math, and astoundingly:

$60k a year means I can pay the rent, utilities, car, insurance BUT NOT gas for the car, CC pmts, or food. It also means that the services from the county we get now, go completely away (food, medical insurance, presumably a new company would pick up medical insurance.)

$65k a year means I can pay all of the above BUT NOTHING left over, not even a dime.

$70k a year means all of the above with a dime to spare, lol.

anything above that means we can build up a cushion, pay off debt, etc. lower than $60k is not even an option…we can’t do more than rent and utilities and would lose ALL assistance.

I had told him early on that my gut feel was our minimum job acceptance was $65k, but it was just really startling to see just how true that was. So far, his quasi job offers (2) (worded “we’d like to hire you, but can you move on salary? we only slotted $55-60k for that position).

The other good news is that the job I wanted him to apply for when he first was let go is STILL OPEN. It’s the same exact job he had, working for their direct competitor, same or more rate of pay. When DH “applied” I told him it was a two step process, and he needed to double check he had done the two steps. He blew me off, largely IMO, because he wanted to go find a “fun” job.

Well after two plus months he finally listened to me, found out he hadn’t done the “two steps” (and did them) and has been humbled enough that if this company calls and offers him the interview/position, he will likely take it, even if it isn’t his idea of “fun.”