basically when DH is out of work, you really appreciate living in a blue state with the social safety net programs.
DH lost his job (that he got 60 days ago) on Friday. With it goes our medical insurance. Even there, “our share” of the cost was so high.
So i’ve applied for a few second jobs here around town on weekends. Medical insurance through obamacare is going to run us at least $987 (bad credit payday loans) a month. Which is better than $3000 a month just for medications for DH and DD19, so I’m grateful.
Still, it’s a far cry from $691 on Medi-CAL in California.
Anyway, if I am able to swing a second job (unemployment isn’t easy to get here in Texas I’ve heard), I am hoping I will be able to bring in about $500-800 a month, depending on how many hours I can get. I’m going to try and get work either early in the AM (like 4-8am) at a McDonalds right near work in Dallas so I can just go and keep going) M-F or work Fri-Sun at the McDonalds or something similar here in town (about 50 miles north of Dallas.) I’m really hoping I can find someplace which offers medical insurance for part time employment…so even if I am just working for that, at least it won’t be money out of my pocket.
Even if DH gets work, I think i’m going to keep going with the second job. I’m over the roller coaster.
If anyone knows of larger companies which provide medical insurance for part time employment, I’d love to hear it. State Farm does but you have to go through 14 weeks of mandatory training during regular work hours, so that’s not going to fly and keep my current job.
Sounds like an easy way for non-savers to get started. Or it can be an easy way to save for a specific purchase down the road. Kind of reminds me of Christmas savings clubs, and so on. I may try this myself. I am always needed a little bit here or there for something that comes up but is hard to budget for. Like for dh’s birthday gift or an anniversary gift. I don’t know dh to know about it but don’t want to skip on a gift either.
Each month we seem to get all the numbers down on paper and have a little bit leftover to put “somewhere”. Usually is is $100 or less. I may just take this bonus money and do this. I “scratched out” bonus because it’s not really bonus. It is just regular income that is not yet accounted for.
This month I took that $$ and put it in an envelope. I don’t really like the category “miscellaneous.” Not sure what to call it.
Oh, I just thought about something related to expenses that come up that are irregular. We have hurricane season down here and people really need a “hurricane evacuation” line item in their budget. Even if they don’t have to evacuate, they need extra money for having to go buy ice, bottled water (usually gallon size), canned goods, and so on in the event they lose electricity and gas and do not have a generator. We do not have a generator but we do have a place to evacuate to that is free lodging, my dfil. However we do help out with groceries, gas for vehicles, electricity and so on. Last time we evacuated we probably spent $300-400+ on helping with those items over about 2 weeks. It was just dd and me there. Expenses for evacuation can quickly run up to $2000 if you have to get a hotel room and buy food while evacuated. I want to start a fund for that. My new little savings plan can go for that. Yay! Something new to work on and tweak! Of course I’ll get with dh and we will work out the details on how big that fund needs to be realistically.