my dh just got laid off at 9am this morning...

after 6 yrs, with NO WARNING...im a sahm....

im in shock, he's driving home (one hour) in total shock....

oh my goodness

((((celina)))
Your in my thoughts and prayers.

I know how difficult it is. Sending good thoughts your way.

Oh my,,,,I am so sorry!! prayers going out to your hubby and your family...

Hugs to you Celina, sometimes the bumps in the road like this are the ones that make us the strongest. Be there for him and be understanding.

We're here for you.

kj

Celina,

First, take a deep breath. I am so sorry to hear about this setback in your life. I am quitte familiar with lay offs and also Murphy coming in at every opportunity.

Can your DH apply for unemployment? Yes, it will be a weeks wait, and a paycut, but it will some money coming in. Also is it a permanent lay off? In the past SO has been laid off quite a bit but for 8 weeks at a time, during which he got um-emp until his return date. What field is he in, can he find something new quickly?

The weather is getting nice, can you hold a yearsale? Babysit some children in the interim since you are a SAHM? If he cant find a position immediately, and he gets um emp (max in my state is $326 wk), could you get a temp job, if even at a retail place? A fast money job with few hours is waitressing, thats what I do, and when we have a crisis, I just go to work more.

Remember that there is always a light at the end of the tunnell, and you will come thru this.

Prayers to you.

Love Megan

I'm so sorry Celina :hugz:

Prayers that another job comes along SOON!

Celina, stay strong, deep breath, and try not to panic. DH will be feeling scared and inadequate. Be patient. You are in our prayers.

i know you would all get it..
he's getting a severance package...govt takes half income tax...and then i'm gonna get work here in town since he'll be home with the kids....he can go back to school for a year and get his teaching cert (8000$) so we'll see if he can get help with that.....

its just such a shock,...we've bought a house and take possession on june 23 which means now we might not get it, yet we are still bound to get the house so we'll talk to the broker tommorrow....we can still afford the house with dh on e-i so that's not a problem....and we cant stay here its been rented out....

but luckily i had been frugal...so we'll see where it all leads

Good luck!

Celine,

I am sorry to hear about that, you will be in thoughts and prayers. May God Bless You.

I'm sorry this happened. It's gonna be tough but I'm betting this adventure will lead to better things for you & yours. Hang in & hang on and don't forget to holler if you need a hug.:)

*hugs* I'm sorry this happened to you. It sounds like you have a plan, so stay strong and you'll get through this.

Thats awful.....
I dont know what to say..keep posting here and the ladies will give you good advice!

I'm so sorry to hear about this! I can imagine what a shock it came to both of you. You are in my thoughts and prayers.

Dear Celine,

Hugs and prayers from us also. Now a suggestion your gonna think is strange.
Set the table tonight really nice, drag out your good dishes and candles.
Pull out your good linens and make a nice dinner. Turn off the t.v and put on some nice music. Make tonight a night of celebration because you've got your health, your freedom, your husband is alive and well. Tonight is not a night to cry about what you don't have but a celebration of all the good things you do! Tommorrow is a brand new day and you need to end today on a postive high note! Remind your husband that he's Mr. Wonderful and things are gonna be okay as long as you've got each other.

Laurie in Bradenton

:hugz: Celine!! I am so sorry! Sending lots of good thoughts and prayers your way!

Awwww Laurie where were you inmy life 2 years ago!
Listen to her Celine she is very wise.
We had the EXACT thing happen over 2 yrs ago and the rest is history. we did get a severance pkg. too and in our optimism (he'll have another job intwo weeks.....he had not been unemployed in 20 years and then only for one week!) we used the severance to pay off my sons orthodontist.
I don't know if severance is the same in the states but in Canada it delays EI. It was just over 2 months before we got our first check!!!! We had to start cashing RRSPs........and eventually after my Dh was browbeaten and discouraged he made the descision to retrain......and what a slog that has been. But it is almost over and we made it!!! I don't know how sometimes but we did.

No income is right! How about every dollar you spend is debt???( Student loans).

You are in my thoughts. Hang in there and just do the best you can. Give your DH a hug!!

Good luck Celina. Your family will be in my thoughts.

Good Luck *hugs*

I'm so sorry. I'm saying a prayer for you and your family. :hugz:

I am so sorry -- you'll make it through but what a rude awakening!

celina, my thoughts and prayers go out to you. we just recently found out hubby aint getting his job back. Owner went over his head, can't afford to hire hi. Carpenter. Everyone says hang in thee, they made me better that everything will be alright, take it one day at atime. I'm trying.
God Bless

Charlene

Oh Celina! Good luck and lots of prayers. Sounds like you have been sensible about it all. When the kids were small dh and I made the decision to homeschool. That spring dh was let go from work, with a severance package. I sat down and figured out our fixed expenses, and looked at how low I could go with them.

Dh applied for EI right away. The net result was he was out of work for a year, but we managed to live on 60% of his pay during that time. It was a real eye-opener for me. To keep dh in the right frame of mind, I insisted he be out of the house in the morning either looking for work or researching work. I suspect he spent a lot of time in the library feeling sorry for himself, but I had to homeschool the girls and it was so much easier if he wasn't around. He also needed the push to get out of the house.

It didn't help that it was a wrongful dismissal and he made the choice not to take his employers to court because he wanted to continue working in the field. If he had taken them to court, chances are he'd never have been employed in that field again. So much for justice...

It is doable, especially if you're on the frugal bandwagon already! A big {{{hug}}} and go girl go!

Jean

well...we found out, that he wont get ei till 5 months after he gets his severance and then he'd get ei...

but he got a call yesterday from a guy he knew..i guess his old boss' boss called this guy and told him jamie is on the market (not the other 2 just my dh) and they are desperate for skilled people...so we sent the resume yesterday and he showed them to the board yesterday....so now we wait...and i guess we might be moving 6 hrs away.....i hate not knowing, i can work with anything...but this "might" stuff makes me nautious....

thanks for all the prayers, they're working for us i'm sure..

Adding my prayers for your family

I'm so sorry. I know from experience how terribly stressful this is. My DH was laid off 2 years ago, 5 days before our planned trip to Disney World. That really had me panicked because while we had money budgeted for the trip, it wasn't going to be replaced with a paycheck. Thankfully, he was given a month's severance, and he found a new job in only 3 weeks. Nothing like having to do an interview over the phone, though, while standing in the middle of the Magic Kingdom! LOL.

I hope your DH finds something quickly. In the meantime, may your finances miraculously seem to stretch in new and unexpected ways.

well with a name like ewokgirl, i'll hope the force flows through you to us!!

LOL! Well, I can't promise anything...

DH is a pipefitter so I know more about lay offs than I had ever hoped to.

Here are MHOs

First, don't panic.

Second, figure your income taxes for this year (due 4/15/07) without him working for the rest of the year and change his withholding to have the least amount possible withheld from his lump sum severence pacakge. Your income will be dropping quite severely for a while so you may have paid in enough already to cover this year. The severence check might be for several weeks/months but it will be in one check and you will take a hugh tax hit if you are not careful.

Third, make an inventory of EVERYTHING (from toothpaste to bed sheets and ground beef, motor oil and filters) you will need for the rest of the year and use his severence check to purchase these items NOW before prices go up and the money is gone. This is how I came to have a complete inventory of everything we use.

Fourth, make sure you have an emergency fund and do not touch it.

Fifth, realize that the day will come that a Papa John's pizza is too good to pass up so put some money away for fun things like that.

Sixth, remember you are in good company and will survive if you keep your head.

Seventh, see if your local library has a book called Livinig on No Income (or something like that) or if see if they can borrow it for you. Also read anything they may have on the subject.

I wish you the best Celina! Don't be afraid of ingenuity, creativity and resourcefulness. Open your eyes and your mind to new things. It will be difficult at times, yes, but you will make it through. I wish your DH the best of finding a job that he likes that pays well and I'm thinking good thoughts for your home.

:hug2:

Keeping you and yours in my prayers!!!

Celina, I know that better days are just around the corner for you and your family. :) You are in my thoughts and prayers.

I pray things will work out for you.

Stacey

DH is a pipefitter so I know more about lay offs than I had ever hoped to.

Here are MHOs

Seventh, see if your local library has a book called Livinig on No Income (or something like that) or if see if they can borrow it for you. Also read anything they may have on the subject.

If it's the book I think you are talking about, it is very rare and out of print; however, the good news is that it can be found online as an ebook at one of the Univerisity sites.

Possumliving by Dolly Freed

That's not the entire title but it'll get you the results. That book has been studied by most economic classes in every university and college in the US.

It's a frugal living handbook.

I love it, even though I don't make my own wine...there are a lot of out-of-the-box ideas in it that most people would be shocked by.

well looks like we're moving 5 hrs away....he got a job offer, pretty much the same money....hate leaving behind my mom but at some point we have to eat...and she can come join us whenever she wants

Celina, I don't know how old your mom is, but as a mom myself, I know I'd want what's best for my daughter, no matter where she has to go to get it. I also know that if I were quite dependent on her or wanted to be with her, I'd move with her...if I was in a position to do that. Meaning, I plan to follow my kids around in my old age. It's very lonely growing old without family around to support you...and older people need support.

It sounds like you're a young family yet, with a young mom too. It's the 70's and 80's where moms and dads really need help interfacing with medical professionals, etc. And they really need the support of their family. Maybe by the time your mom reaches that age you'll have settled someplace and can invite her to move near you.

{{{HUgs}}} and prayers for a safe uneventful move for you and yours.

Jean

Celina, I'm so pleased to hear that he got a job! That was very quick! What a blessing! I am sorry you're having to move away from your mom, but you do have to do what is best for your family. Five hours isn't too far if something comes up. I wish you and your DH the best.

Celine, I am thinking about you and your family, and hoping for the best. Hugs!!!

Wow, Celina. I'm so sorry. I have no advice to offer you at this time, but you are in my thoughts and prayers and let us know if there's anything we can help you out with. We're all here to support each other! :grouphug:

well the good news...the day after the news, dh got a call from an old contact who had heard (his current boss's boss called him to tell him dh was on the market) and started negotiations for a job.....

its 4.5 hrs away (sigh) and i hate to leave my mom, but i'm GIVING my sister the car mom gave me (she cant drive anymore) so she can help more with mom with a reliable vehicle...

he'll make 10k more a yr, plus we can now use his severance package as a down paymnt on a house over there which is 40k less than the one we bought here.....

the one we were legally liable for here, sold again a week after we told them we could no longer get financing...

dh starts may 15th and we should be getting the house june 1 and moving in june 10ish.....

thanks for all the prayers......it was hard...the stress....but we kept it together.....

Great news! I'm glad it all seems to be working out.

I'm glad this has worked out for you Celina! Best of luck and prayers for a relatively easy move. Take care!

Jean

Dear Celina,

So very glad to hear that things are working out for you and your husband. Hope your move goes quickly and smoothly. Nothing like that type of wake up call to get your mind and body in gear. Once you get settled in your new place it maybe time to work on your EF fund so that if this happens again you've got a cushion to pad the blow.

Laurie in BRadenton

Thinking of you and your DH
W

Congrats to your husband.

Kellie