Backstory - OldMan was working, earning a decent wage. They let him go 11/16/12. Applied for unemployment, STILL waiting to hear from them (spoke to them on Tues. and a super. was suppose to call within 48 hours, which was today, no call). He has been at the new job since 1/16/13 and collected his first paycheck today.
Now - The check is half what we expected because he was given a payrate in writing. When he inquired about a much lower hourly rate, they said that the written rate was ONLY for 'custom' work (jobs not assigned points).
So... this is the first check since he was let go, it's half what we thought it would be. I went to the payroll portal online and wanted to cry. His NEW yearly pay is estimated to be..... $30,000.00 LESS than he made in the 10 working months at the old place!
When he was let go, the first thing I did was fatten up the pantry (nearly gone now) and paid off the utilities and my car insurance for the year.
I'm basically at square 1 right now. Starting all over again with nothing in the bank. What we did have in the BEF is now gone. He had to buy tools (that he was told he wouldn't need when hired). The tools made it so he could stay employed.
Here are the hard numbers (and notes... mostly for me to remind myself, but chime in)
His health insurance - $406/mo (paid through to end of March, next payment due 3/10/13) --(apply for lower income rate ins.)
Electric - $55/mo (paid through to 2014, next payment due 1/15/14) -- (nothing more to be done unless I resort to candles)
Comcast - $65/mo (paid through to 2014, next payment due 1/15/14) -- (staying, need the basic to get reception)
cell phones - $65/mo (his has to stay because he needs it due to work mandate, mine could drop)
my car insurance - $840/yr (paid off through 2014, next payment due 12/26/14) -- (not much more I can do to lower it, at state mins now.)
his car insurance - $1800/yr (paid off, next payment due 5/15/13) -- (at state mins.)
my medication - $12/mo (for now)
laundry - $20/mo (get more quarters!)
food - varies (aiming for 75/week - includes all meals for 3 people a day... and a cat)
gas - $20/mo (mine)
gas - unknown (his) -- (it will go up when he gets the company truck, reimbursed .22/mi. does not include the 700/mi/wk commute)
Am I forgetting anything?
(tossing in... nothing left to sell, he's already looking in to other jobs, I can't get a job outside the house)
Now - The check is half what we expected because he was given a payrate in writing. When he inquired about a much lower hourly rate, they said that the written rate was ONLY for 'custom' work (jobs not assigned points).
So... this is the first check since he was let go, it's half what we thought it would be. I went to the payroll portal online and wanted to cry. His NEW yearly pay is estimated to be..... $30,000.00 LESS than he made in the 10 working months at the old place!
When he was let go, the first thing I did was fatten up the pantry (nearly gone now) and paid off the utilities and my car insurance for the year.
I'm basically at square 1 right now. Starting all over again with nothing in the bank. What we did have in the BEF is now gone. He had to buy tools (that he was told he wouldn't need when hired). The tools made it so he could stay employed.
Here are the hard numbers (and notes... mostly for me to remind myself, but chime in)
His health insurance - $406/mo (paid through to end of March, next payment due 3/10/13) --(apply for lower income rate ins.)
Electric - $55/mo (paid through to 2014, next payment due 1/15/14) -- (nothing more to be done unless I resort to candles)
Comcast - $65/mo (paid through to 2014, next payment due 1/15/14) -- (staying, need the basic to get reception)
cell phones - $65/mo (his has to stay because he needs it due to work mandate, mine could drop)
my car insurance - $840/yr (paid off through 2014, next payment due 12/26/14) -- (not much more I can do to lower it, at state mins now.)
his car insurance - $1800/yr (paid off, next payment due 5/15/13) -- (at state mins.)
my medication - $12/mo (for now)
laundry - $20/mo (get more quarters!)
food - varies (aiming for 75/week - includes all meals for 3 people a day... and a cat)
gas - $20/mo (mine)
gas - unknown (his) -- (it will go up when he gets the company truck, reimbursed .22/mi. does not include the 700/mi/wk commute)
Am I forgetting anything?
(tossing in... nothing left to sell, he's already looking in to other jobs, I can't get a job outside the house)