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  1. #1
    Registered User amykhar's Avatar
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    Default A "Recipe" You Might Know Yourself

    In 2001, I essentially had a nervous breakdown when my husband lost his job. Some tough times in the mid 1980's made me tremendously paranoid about being poor again. The major depression caused me to quit doing my job, and I was fired.

    After that, I was too ashamed and too messed up mentally to look for full time work for about four years. My husband got a job, and I found some part time work, but we were living below the poverty level.

    I wrote this essay near the end of that time:

    http://www.epinions.com/content_4408975492

    In late 2005, I got myself together and got a full time job in my profession. When threatened with a layoff about 10 months later, I managed to avoid losing my sanity, and found another better paying job.

    I'm still digging myself out of the financial mess I created for myself. And, my husband is looking at another layoff in a couple of weeks, which has me in a major tizzy. Life never stops dealing the lumps.

    If you're posting in this forum, life is probably dealing you one of those lumps. And, you may be making some grilled spaghetti of you own. But, keep babystepping. Life does get better.

    Amy

  2. #2
    Registered User changed4life's Avatar
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    Sounds like you've created a positive outlook for yourself...way to go! Here's praying you will continue to rise above the low tides.

  3. #3
    Registered User cottageliving's Avatar
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    I am so glad to read that you are in a better place than you were earlier. Hopefully dh will find another job soon after the layoff occurs.

    Hang in there -- in the meantime I'll be praying for you and your hubby.
    Jen



    30 yr old DD
    3 kitties (2 adopted from my daughter)


    As of January 1, 2011------------------------ Updated June 10, 2011
    Short term goals:
    - $2,000: to set up my consulting business. DONE! INVESTED ANOTHER $5000!
    - $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
    - $1,500: pay off Student loan ALMOST THERE!
    - $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
    - $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
    - Complete tax returns by February 15th DONE




    Long term goals:
    Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
    Balances January 1, 2011 -----------------June 10, 2011
    Citimortgage on home: $104,500-------- $102,775
    BofA Mtg on Rental: $27,000------------ $26,000(Est)
    HSBC Equity Line on Rental: $11,900------ $9,902
    Citibank car loan: $13,830 -------------- $11,663
    Cornerstone car loan: $11,600------- PAID OFF!!
    Student Loan: $1,500------------------ $320
    Credit card: $1,200-------------------- $1,200

  4. #4
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    Congratulations on picking yourself up and going on after every lump in the road of life as some people never recover!!!
    I am sending up a prayer for you and hubby.
    Baby Step #1 Done!
    Baby Step #2 Beginnning debt balance 01/01/08 $78K /Paid in full on 08/06/10
    I'm debt freeeee............ GOD IS SO GOOD!!!
    Baby Step#3 Goal: One year emergency fund began saving Jan 2011 accumulated Aug 2011 YIPPEE!!! God is sooo good to me!!!
    Baby Step #4 Yep currently doing this.
    Baby Step #5 No kids so no need.
    Baby Step #6 Renter.. Working on putting 100% down on a house!!! Currently have 25% saved.
    Baby Step #7 Someday.......

  5. #5
    Registered User pammy's Avatar
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    "A calm sea does not produce a skilled
    sailor. We cannot direct the wind, but
    we can adjust the sails. Anyone can
    hold the helm when the sea is calm."
    Tom Culve

    It's the lumps in life that show how strong you are.


    Bring on them baby steps...
    Step 1: done
    Step 2: waiting on amount, hubby had followup colonoscopy, I had visit to ER with followup procedure
    Step 3: to follow, won't know aim until things settle
    Step 4: to follow, currently at 6%
    Step 5: grown child
    Step 6: huge mortgage ANNIHILATED!!
    Step 7: ahhhh....



  6. #6
    Registered User amykhar's Avatar
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    I love that quote, Pammy

  7. #7
    Registered User latierra84's Avatar
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    Quote Originally Posted by pammy View Post
    "A calm sea does not produce a skilled
    sailor. We cannot direct the wind, but
    we can adjust the sails. Anyone can
    hold the helm when the sea is calm."
    Tom Culve

    It's the lumps in life that show how strong you are.
    I really like that.
    marie/andrea dh

    We had a baby! 10/04/11

  8. #8
    Registered User Lora88's Avatar
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    Amy you are stronger than you hang in there you survived before you will again

  9. #9
    Registered User Daisygirl's Avatar
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    Thank you for sharing your story Amy. You will have lots of valuable insight for all of us. I am glad you joined!

  10. #10
    Registered User Jskell911's Avatar
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    I love the humor that you put into the recipe. I always fall back on humor. I find it can help you through the worst of the worst.

  11. #11
    Registered User dolphin's Avatar
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    Amy, thank you so much for sharing your story. You have given me lots of encouragement as well. I will pray that your dh does not become layed off and if he does, that you will come out of it strong and happy. God bless! Carolyn
    "Success on any major scale requires you to accept responsibity."



    The Resident Queen Of Clutter!!!

  12. #12
    Registered User catzz64's Avatar
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    Amy,
    Your piece made me chuckle because I have been there (sadly) on more than one occasion as well! Being bipolar and having been through a divorce (after 13 yrs together), diagnosed with two disabling diseases and becoming unable to work, my dh (db at the time) fired, and of course 3 children in this mix, I have been blessed with 3 emotional breaks (so I have learned they like to call them now...lol) My last was just a few months ago when we decided we needed to file bankruptcy, my mother (2000 miles away) had a major heart attack and 3 surgeries with near kidney failure, and my grandmother (whom she cares for) had a TIA and had to go in a nursing home.

    So, you are very right...over the course of 10 years, the lumps and bumps and bangs and whops keep coming and we have to keep bouncing back! Thank God for the support here!

    (Sorry for the rant, your story really hit me)

    I have a similar version of the quote Pammy posted that I got out of a book written by Robert Schueller many years ago....see my sigg (now I'll have to see which is accurate)

  13. #13
    Registered User bumplett's Avatar
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    Default



    I enjoyed that - thanks
    Don't Breed or Buy While Shelter Pets Die

    married 16 yrs to my
    mom to big J (15)
    mom to little j (8)
    Zena Cherry Sara Knat Lucky Chianti Abby Alice Jasper

  14. #14
    Registered User Momto2Boyz's Avatar
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    I enjoyed your recipe too. Having a DH in the construction industry, we have been through many layoffs, some temporary, some permanent.

    I can chuckle at your recipe, becuase I have been there too! Coleman stove on the counter in the kitchen...cooking odd things on the grill to get dinner done!

    I always try to remember that as with anything, life fluctuates. You have your good and you'll have your bad. The memories of the good hopefully, will get you through the bad times! And a dose of humor, which you seem to have covered!

  15. #15
    Registered User sdrjeolsen's Avatar
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    Amy, I enjoyed your humorour recipe. You have a great outlook on difficulites. You have proven to yourself you are strong and will survive the bumps along the way. Thanks for sharing, you really inspired me.

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