October State of the Finances


Everything here has been a whirlwind lately since Mr. Money lost his job a couple months ago.  We’ve been trying to keep our heads above water, and I feel like we’ve been doing a pretty good job doing that so far.  One of the hardest things for me is when I have a million transactions to reconcile in our check register.  Yes, I still use one of those 😉 I’ve decided that I’m going to try charging everything on our credit card for the month of October and see how that goes.  It’s a reward card so we will get cash back on our purchases: 4% on gas, 3% on restaurants and groceries, 2% on movies, and up to 1% on everything else. I plan on paying it in full before the bill is due so we don’t get charged any interest.  I’m going to see if that’s easier for me or not.  Sometimes I think it’s harder because I don’t know an exact dollar amount of how much we have in the bank since transactions can pend on the credit card for days.

Mr. Money has applied for many jobs, had a few interviews, and probably only one really solid lead for a job.  Unfortunately, the company chose another candidate (probably one that had more sales experience) so he didn’t get that job.  He’s still looking, and is actually studying JavaScript, C# and .NET to further his credentials.  He would love to get out of the food industry and stop being a chef.  We’re hoping and praying a career change is in the future for him and that he loves it!  I’ve tweaked his resume and I had a few people look over it as well, and they said it looks pretty good!  He’s updated his Linkedin and some other software development groups to help him with his job search.

Throughout this whole ordeal, I’ve been very thankful that we live very frugally and that we don’t feel like our lifestyle has been drastically changed since he was laid off from his job.  Of course we’ve been careful with how much money we’re spending, we’re not going out and buying things we don’t need, and we’ve been cooking and eating all meals at home.  It hasn’t been the most fun, but we’re making the best of it and thankful for what we do have.  I have to keep telling myself this is a season and will pass and be a blip in the radar in not that long of a time period.  I’m so thankful that we are all healthy and safe and there’s a lot to be said for that.

I’ll be honest though- I hate this time.  I hate waiting, I hate not knowing, I hate feeling like everything is not going to be okay. I hate feeling hopeless.  I wish so badly that he hadn’t taken that job and that things were fine.  But you can’t go back and change things, you can only move forward so we do the best we can, put a smile on our faces, and trudge forward.

I’m going to try to do an update with tracking our spending for the month of October so I can share how using the credit card works out.  I’ll bet it will simplify things for us, and getting the cash back is an added bonus!

Have you ever had a period of unemployment?  What was the hardest thing you’ve experienced financially so far?

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