Originally posted by =Tired Hiker=
First you lose your job so you can't pay the cable bill, then the internet bill, well.... you can live without those. You decide to miss a few car payments to buy you some time so you can at least pay the phone bill to call and follow up on some jobs you applied for. So, you finally have a few interviews and it seems like for sure you'll land a job today, but low and behold, you get in your car and it won't start. Now you are totally ****ed. If only the car started, you could have got that job and in two weeks time made your payments, but no... they had to kick you while your down. ****.
Then here's reality.
You shouldn't have had a phone in the first place, nor cable, and you should have had plenty of money stashed for a dark spot, just in case you lost your job.
On top of that, you can use a "go phone" for you "communication needs".
Your house payment (including insureance, etc.) should have been less than 1/3 of your NET income, as well. (yearly, montly, weekly, doesn't matter.)
You also get a job working at ANY place that will take you...including fast food, because a little money is better than no money. Make sure the job is evening so you have time to do interviews during the day.
Don't forget to be flexible with the type of work you'll accept. Don't expect a similar job with similar pay: expect a crappier job with crappier pay.
Badda boom. Financial problem circumvented.
If all else fails, you still have your stupid brand new car that you should have saved up for and purchased with cash anyway. 😐
BTW, I've almost lived out that scenario I listed out, above. Cept, I owned my car, had 0 debt, and just enough money to live on while I worked at Quiznos part time until I got a "real" job. This was back in da day.....when I was single and could suffer. 🙂