return to recovery

**janelane** · 06-17-2009, 03:55 PM

Well hi again, all, I hope someone remembers me. When I first found frugalvillage and began worshiping at the alter of Dave Ramsey last year, I would refer to this board as my rehab. We were doing well with our debt paying and living lean. Of course like most addicts I took a nice fall off the wagon and DH tumbled with me. I drifted away from the village, stopped watching Dave and went back to my old ways. It was a downright spending binge. There was even a vacation. And then an anniversary weekend away. We weren't always paying cash for everything. We erased much of our progress.

And so I return, tail between my legs, licking my self inflicted wounds and looking for home. This morning my hubby lost his main job. He has a freelancing business on the side that I help with, so we aren't altogether destitute at least. Plus he has several years experience freelancing full time. And now he's got two years of a director level title under his belt, with what you would call "mad skillz" :p and a good rep to boot so hopefully we'll be able to recover quickly, whether through expanding our biz or him finding another job. But this was slightly over 2/3 of our income. Despite the economy, we weren't expecting this (stupid, I know, but we really thought he was safe) and we are scrambling (so is the firm owner. They lost their two biggest clients yesterday and had to let half of the company go. I feel as bad for the owner as I do for us, it's sad to see yet another small, young, promising business falling because of the economy.) But I'm worried, mostly about covering my health care. I'm a mess and on tons of meds. The whole reason he took the job to begin with was for the insurance.

I need to tighten the belt and try to remember that this place goes a long way in my "recovery". Oh, friendly frugal villagers, I beg, will you help reform this wayward fool once more?

**nodmicks** · 06-17-2009, 04:09 PM

Welcome back Janie! I'm sorry about dh's job but you know there could be something even better waiting for him.

There are some new cobra laws that might help you out. The ins was out big worry when dh got laid off last Oct. Hang in there and tighten that belt girl!

**joyofsix** · 06-17-2009, 04:30 PM

Hi, My name's Lisa and I'm...you get the idea. Welcome on back!

**ladykemma2** · 06-17-2009, 04:34 PM

wondering where you were...!

**geckoace** · 06-17-2009, 07:28 PM

i remember you fellow MDer. dont worry we all have rough patches but you know what you need to do and we will all support you in doing it

**lovestoread** · 06-18-2009, 07:39 AM

good to see you back here again,....we all seem to do great and then struggle at times.......been there done that.....

**Ceashels** · 06-18-2009, 08:41 AM

Welcome back on the wagon. I took a few months off from the village as well and I am seeing that the support of the Village does make a difference. I'm sorry to hear about your DH's loss of income but you have a lot of knowledge and skills at your finger tips to make things a little easier along this bumpy patch.

It's good to see you back.

**Debbie-cat** · 06-18-2009, 10:03 AM

Welcome back Jane! Don't kick yourself, you are already on the right path by coming back. Jump right back on that frugal wagon. We are all here for you.