You know what? Being broke sucks. I know, nothing you didn't already know. I'm just tired of it. Tired of working and still being broke, not being able to pay bills, juggling which ones are paid, and begging for money from family. Well, technically Ronnie juggles the bill paying, while I do most of the begging for money. I probably have the short end of that stick....
So, what is the problem? We are both intelligent, hard working individuals with Masters Degrees, why is it so hard to get a job, keep a job, and pay our bills?
Well, first of all, it has been nearly two years since both of us were consistently employed at a full time job that paid more than minimum wage. First, I was unemployed (June 2007), then we both were (December 2007), and then I got a job (February 2008), and then Ronnie has worked on and off, nothing too long, and only one job that paid anything close to what he had been paid in the past.
When I finally got a job in February 2008, we were on the brink of losing our house. We didn't even qualify for bankruptcy (the kind you pay back and can keep your house) because we didn't have enough income. My unemployment had just run out, and Ronnie's was denied as he had quit for medical reasons. I was offered a job with the agency I am with now just in the nick of time to be able to file bankruptcy and save the house. And, pretty much my entire paycheck goes to that, we get maybe $150-$250 per pay period (twice a month) beyond what they take out of my check. But, as along as I am working here, we have roof over our heads. We might not have water or electricity for it, but we have a roof.
So why is it so hard for him to get a job when he is a teacher of all things? I hear this all the time. We all know there's a recession, and layoffs (which is why he lost his full-time position at LifeTime Fitness), but that doesn't really affect the education field, does it? Well, first of all, he had to quit Needville midyear due to his back problems. Then, he got the spinal stimulator and everything was good, but I think schools were wary to hire someone who quit midyear, even if he had a good reason. So then he works at a couple of gyms doing either personal training or operations, and that's when he got laid off due to cut backs. Couple of months later, he gets a PE job at a Houston elementary charter school. Which lasted about a month when he was fired because a kid turned her ankle playing kickball. But not before he hurt his wrist, and it is probably carpal tunnel from all the repeated rolling of balls and tossing pitches, etc. He worked one shift a week at Lifetime Fitness to keep his insurance, which wound up only screwing him when he tried to claim unemployment, as apparently the Texas Workforce Commission considers working eight hours a week "full-time" employment. We should all be so lucky.
So, now schools are hiring teachers and coaches for the 2009-2010 school year, and he's got some good chances at getting a decent position. Unfortunately, our cell phones will probably be turned off any day now, and as that is the only phone we have (plus the numbers that he has applied with), schools will not be able to contact him by phone, and it will make getting a job nearly impossible. Not to mention the other bills we can't pay. And even if he gets hired for a teaching job TODAY, we probably won't see a paycheck until SEPTEMBER.
Anyways, it is just frustrating. There are lots of resources out there for people in our situation, but the salary I get at my job makes it impossible for us to qualify for any assistance. Which is funny, because I make hardly anything, barely enough to pay our bankruptcy/mortgage payment. And it's even more frustrating when TWC tells Ronnie they are denying his benefits and they have to "save" the money for people who need it more. How can someone possibly "need it more" than we do? What an insult.
I try to keep a positive attitude. Things could always be worse, and regardless of what our current crisis is, there is a roof over our heads, and HOPE on the horizon for a better future. But, after nearly two years, it's hard to keep it up. It's hard for someone who grew up never wanting, always having enough, to constantly sacrifice the luxuries in life that I am used to. It's hard to always be begging for money with our most recent sob story, when we are so smart and talented!
It's hard when you ask your husband if he wants to pray with you, and he tells you he doesn't believe in God anymore. I believe everything happens for a reason, and you just have to make things happen, and eventually everything will work out. That's so hard to hear your husband, say, though. And I have no idea how to help him....
So, what is the problem? We are both intelligent, hard working individuals with Masters Degrees, why is it so hard to get a job, keep a job, and pay our bills?
Well, first of all, it has been nearly two years since both of us were consistently employed at a full time job that paid more than minimum wage. First, I was unemployed (June 2007), then we both were (December 2007), and then I got a job (February 2008), and then Ronnie has worked on and off, nothing too long, and only one job that paid anything close to what he had been paid in the past.
When I finally got a job in February 2008, we were on the brink of losing our house. We didn't even qualify for bankruptcy (the kind you pay back and can keep your house) because we didn't have enough income. My unemployment had just run out, and Ronnie's was denied as he had quit for medical reasons. I was offered a job with the agency I am with now just in the nick of time to be able to file bankruptcy and save the house. And, pretty much my entire paycheck goes to that, we get maybe $150-$250 per pay period (twice a month) beyond what they take out of my check. But, as along as I am working here, we have roof over our heads. We might not have water or electricity for it, but we have a roof.
So why is it so hard for him to get a job when he is a teacher of all things? I hear this all the time. We all know there's a recession, and layoffs (which is why he lost his full-time position at LifeTime Fitness), but that doesn't really affect the education field, does it? Well, first of all, he had to quit Needville midyear due to his back problems. Then, he got the spinal stimulator and everything was good, but I think schools were wary to hire someone who quit midyear, even if he had a good reason. So then he works at a couple of gyms doing either personal training or operations, and that's when he got laid off due to cut backs. Couple of months later, he gets a PE job at a Houston elementary charter school. Which lasted about a month when he was fired because a kid turned her ankle playing kickball. But not before he hurt his wrist, and it is probably carpal tunnel from all the repeated rolling of balls and tossing pitches, etc. He worked one shift a week at Lifetime Fitness to keep his insurance, which wound up only screwing him when he tried to claim unemployment, as apparently the Texas Workforce Commission considers working eight hours a week "full-time" employment. We should all be so lucky.
So, now schools are hiring teachers and coaches for the 2009-2010 school year, and he's got some good chances at getting a decent position. Unfortunately, our cell phones will probably be turned off any day now, and as that is the only phone we have (plus the numbers that he has applied with), schools will not be able to contact him by phone, and it will make getting a job nearly impossible. Not to mention the other bills we can't pay. And even if he gets hired for a teaching job TODAY, we probably won't see a paycheck until SEPTEMBER.
Anyways, it is just frustrating. There are lots of resources out there for people in our situation, but the salary I get at my job makes it impossible for us to qualify for any assistance. Which is funny, because I make hardly anything, barely enough to pay our bankruptcy/mortgage payment. And it's even more frustrating when TWC tells Ronnie they are denying his benefits and they have to "save" the money for people who need it more. How can someone possibly "need it more" than we do? What an insult.
I try to keep a positive attitude. Things could always be worse, and regardless of what our current crisis is, there is a roof over our heads, and HOPE on the horizon for a better future. But, after nearly two years, it's hard to keep it up. It's hard for someone who grew up never wanting, always having enough, to constantly sacrifice the luxuries in life that I am used to. It's hard to always be begging for money with our most recent sob story, when we are so smart and talented!
It's hard when you ask your husband if he wants to pray with you, and he tells you he doesn't believe in God anymore. I believe everything happens for a reason, and you just have to make things happen, and eventually everything will work out. That's so hard to hear your husband, say, though. And I have no idea how to help him....
