Trusting the System

I am a little confused

 

This has been a tough time for all of us and there are definitely lots of emotions and feelings running around.

I, personally, swing back and forth between loving the slower pace of life and spending time with my kids and feeling so incredibly overwhelmed with work and life and being scared.

When it comes to money I am also having a hard time knowing the best way to proceed. On the one hand, there are things that we can buy that will really make this time easier. For example, supplies, books, and games- especially since my kids have very little (aka basically none) online school. Their education has fallen entirely on me so I am basically homeschooling them. This calls for a lot of supplies and activities.

With libraries closed and the really cheap place I buy books being closed (and I can only get there on public transportation), I am sort of “forced” to buy books for more money than I would usually spend. I usually do my shopping slowly over weeks and buy things on sale. The craft supplies in my house are purchased on clearance, as are the books and games I have. Whenever I see something cheap I buy it and this has worked really well in pre-pandemic times. After all, we don’t do so many projects and activities usually. So my dot paint markers, lasted me 3 years but then after a month in quarantine I’ve already had to buy more, plus paint, and paper, and a stapler, etc. etc. the list goes on.

I switch back and forth between KNOWING that I need this stuff and that it is for my kid’s education and also being very worried about what the future is going to bring.

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10 Ways to Survive Unemployment

How to Survive Unemployment

 

We are currently in what looks to be a recession, with unemployment rates as high as the Great Depression. Chances are, many of you are unemployed, furloughed, and maybe facing extended unemployment. While I’m currently still employed (with reduced hours) I have unfortunately been unemployed before. Here are 10 tips that I used to survive unemployment and will hopefully help you survive financially while unemployed or at least mitigate the damage of unemployment. 

How I Survived Unemployment

 

I have never lived through a Depression and I was not in the workforce during the last recession (My father did lose his job however and that was a very difficult time for our family. I was not involved in any of the financial discussions though). I have been unemployed though. Some of my experiences are not the same. For example, chances are that we are in this for the long haul. Whole industries are being upended and the long term ramification will be felt for a while. However, I do have some tips that can apply regardless of the terms of unemployment. Recession or no recession, the rules remain the same.

 

How to Survive Financially while Unemployed

unemployment

10 Tips to Survive a Layoff Financially

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Affordable Grocery Shopping

How to Easily Lower Your Grocery Bill

I once read a great article about saving money in the hotel and restaurant industry. The premise was that if you are hired as a new manager then the first thing you should do is to find out which item is costing the company the most money. Then, take that item and put the most effort into finding a deal. Negotiate with suppliers, find a new source, etc. If you save even a small amount of money on that one item- the volume purchased will make the cost savings extremely magnified and worthwhile.

Choosing where to Shop

Money is tight for a lot of people right now and it’s very hard to practice the frugal tips and tricks that we always have used. For example, we can’t really walk around different stores and look for sales, or travel to a few different stores to get the best price. Many people are also relying on grocery delivery which sometimes has additional fees and tips that have to be factored in. it just doesn’t make sense to get deliveries from more than one store even if there are sales at different stores.

Affordable Grocery Shopping

We currently are only going to one supermarket. Although there are a few near our home we are doing our best to reduce our exposure by shopping at only one store every other week. This has definitely impacted our food bills and our ability to shop the sales or take advantage of promos at different stores.

Driving a Mile to Save a Dime

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