How are you guys doing in these tough economic times?

  • Posted by a hidden member.
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    Mar 09, 2009 3:03 AM GMT
    Most of us "older" guys are pretty well established so will do ok. But I wonder about (1)some of you younger guys who are in college needing work to make ends meet so you can stay in college. (2) guys that finished college and still unable to find work. (3) guys that in the last several years have been getting established, and all at once lose your job. (4) other equally devasting situations. I hope you have some family to help you through, or some kind of 'safety net' you can rely on. We should watch each others backs especially if one of our own is falling through the cracks so to speak and has no one to give a damn and to help them. If someone needs help man ask for it. many of us can do some steering that can help, or there are guys in your area who could and would I am sure lend a hand. Times are rough for some, and going to possibly get worse. Just something to think about as the possibility of a need to reach out for each others good may be a reality now or maybe in the near future. >>>>>>>>>>>>>>>>>> Do you have a "tough economic" experience of your own to tell that may help someone experiencing it now realize they are not alone? Ever had someone lend you a hand at just the right time?>>>>>>>>>>>>>>>>>>> I have experienced quite a few "bumps" in life, here's just a couple. In 74' I lived in Michigan, I had just about completed my first home, and was suddenly without a job, someone steered me to a job, and i was greatfull even though with that job I was just barely able pay my bills so i could keep my home. my house had an open basement that needed brick or stone on the open side, so I checked aroung and A farmer gave me field stone, and I was only able to afford two bags of mortar mix at $1.26 per bag every other week, so I was able to keep making progress in spite of lack of money and finish it over a 4 month period. Another time my children and I lost our home to a fire, and believe me it was at the absolute worst timing financially. That very day some people got together and gave us $300.00, so we could meet some immediate needs and someone else rented us their empty family home with no deposit, so we had a place to go to. Through the years things got much better and I was able to help other people out, so I was able to pay back by "paying it forward" to help someone else. What have you been through in your own private recessions? If you need help tell someone, after all most of us have had some rough times and would be glad to lend a hand in some way !!!
  • GQjock

    Posts: 11649

    Mar 09, 2009 10:57 AM GMT
    Unfortunately I'm probably going to have to eventually bring a walker into work with me icon_confused.gif
  • stevendust

    Posts: 398

    Mar 09, 2009 11:01 AM GMT
    I'm in College, but I'm doing better now than I was before. I paid off four out of five maxed out credit cards in these past two months, and I've started establishing a savings for myself. I can do damn well anything I want to as long as I just motivate myself to do it, so this "crisis" came at a good point in my life.
  • Posted by a hidden member.
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    Mar 09, 2009 11:12 AM GMT
    I am very fiscally conservative, a minimalist with somewhat of a capitalist mind, and have been living as if we were in a recession for many years now.

    So, I am prepared for things to get worse. Yet, I am hoping for the best too.

    I am back in school to earn my Masters in Social Work. I am also a union stagehand. And, I'm an artist among other talents. Having multiple interests and skills keeps me confident about my future.

    As a friend of mine recently said, "The beauty of a capitalist system is that you can do anything to make money. Find something you like and figure out a way to make money at it." She is currently happily unemployed.

    icon_biggrin.gif


    Joe


    "I am NOT an anarchist! Anarchists don't believe in labels anyway."

    "I...am...a...benevolent capitalist. Thanks for asking."
  • Latenight30

    Posts: 1525

    Mar 09, 2009 11:26 AM GMT
    So far so good. I think Like Joe, I might be in an okay industry. I do have friends who are out of work and almost out of a home. But they also think they are better than Best Buy or Taco Bell. Hell atleast at Taco Bell you get fed so thats a plus.
    I'm not finacial stable but I muddle thru. If I won a lottery it would improve things greatly. I'm a pay check to pay check guy and with this economy I always will be. I do think that the govt. created a lot of this debt situation back in the late 80's and early 90's allowing Credit Cards to go to anyone, but who gets bailled out, not the debt holders, the banks. We still have to pay back cards that we have owed on for years. I feel I owe it but I'm going to eat first and pay bills later.
  • DiverScience

    Posts: 1426

    Mar 09, 2009 1:19 PM GMT
    Right now, I'm in graduate school. Since the money that pays my stipend was granted 6 years ago (and runs for 7) I'm ok. When I graduate this summer... we'll see.

    I'm used to living within fairly limited means, and, for now, scientists are still in demand within multiple sectors. We shall see. I'm worried because, being in graduate school, I have almost no savings, and my side business is not extensive enough to pay the bills. I can fall back on my living with my parents, but the house is what they have for savings after helping two of us through college, so it would have to be temporary.
  • Posted by a hidden member.
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    Mar 09, 2009 1:24 PM GMT
    Waiting to see how much of my hard earned wealth is going to be confiscated by the Feds. In the meantime I continue to work so those that don't want to work don't have to.
  • Posted by a hidden member.
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    Mar 09, 2009 1:29 PM GMT
    My lifestyle has not changed all that much. I was on a budget before for because I help out with two family members education. I dodged the bullet with recent lay offs at my firm.

    I have lost a quarter of my retirement. I have had to start over from scratch before and would do it again if I have to.

    You can't worry or stress out about things inwhic we have no control over and the our current events are out of our control. I have never been one to live beyond my means.
  • rnch

    Posts: 11524

    Mar 09, 2009 1:52 PM GMT
    working WAY too much weekend overtime...calling in sick for a day off.

    many guys with 20 and 30 years here are retiring. managment won't hire full time employees, only part ime "intermittents" with no benefits or assigned work schedule.

    so of course they call in sick on weekends, holidays and on the night shift.

    guess who is getting stuck covering for these unreliable part timers? that's right, the full time career employees that are still left.

    but i'm SHURRRRRR Barry will fix that, after he fixes the economy. icon_confused.gif
  • Posted by a hidden member.
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    Mar 09, 2009 2:05 PM GMT
    I thought I "retired" early last year. Then the market and my IRA went to hell. Back to work now, but part-time without a chance at full time and benefits any time soon. What a future!icon_rolleyes.gif
  • CuriousJockAZ

    Posts: 19129

    Mar 09, 2009 2:22 PM GMT
    It's kind of weird, but the worse the economy has gotten, the busier I have been in Real Estate. I'm crazy busy right now, so I am counting my blessings BIG time. It is heart-breaking to see the people losing their homes to short sale or foreclosure though, because most of them have lost everything and their home was their life savings. It's even worse when you see some people who don't know where they are going to go once the house closes. It's very very sad.
  • Posted by a hidden member.
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    Mar 09, 2009 2:31 PM GMT
    CuriousJockAZ saidIt's kind of weird, but the worse the economy has gotten, the busier I have been in Real Estate. I'm crazy busy right now, so I am counting my blessings BIG time. It is heart-breaking to see the people losing their homes to short sale or foreclosure though, because most of them have lost everything and their home was their life savings. It's even worse when you see some people who don't know where they are going to go once the house closes. It's very very sad.
    In one sense I would think this could be a good opportunity to buy a home if things were too expensive before, but then there is the uncertainty of jobs for some people. I knew things were too high here a few years back before the blow out, so I have been saving up some money (waiting for a cyclical blowout like has happened before in CA). I might buy in the next year or two! But yeah, sad, sad for the people who are upside down or laid off or something.
  • Posted by a hidden member.
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    Mar 09, 2009 2:37 PM GMT
    Just to throw a slightly different filter on things.
    starvation.jpg
  • Posted by a hidden member.
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    Mar 09, 2009 2:46 PM GMT
    Yes it could be worse icon_sad.gif
  • Posted by a hidden member.
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    Mar 09, 2009 2:49 PM GMT
    Well it's going to get worse before it gets better. I'm just hoping that I don't make the cut during the next round of layoffs!
  • Posted by a hidden member.
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    Mar 09, 2009 2:54 PM GMT
    Some days I'm scared shitless. Other days I'm hopeful. I can't even get a temp agency to call me back even when I call them about an advert I saw from them and tell them I am interested in that job. I'm signed with two temp agencies while I'm also looking elsewhere. Every so often I'll call them and they just seem to give me a run around. *grumble grumble*

    If I knew Spanish I probably would have a job by now.

    I know how to live below my means which I sure am glad. I looked at my expenses and found really the only thing I could cut out is my Netflix account, but only saving $18 dollars a month doesn't warrant getting rid of it... yet.

    Finally, I got an interview this past week. It was for a part time bank teller which would have been fine and the hours would have let me get another part time job but I don't think I got it.

    I've been trying to call the unemployment benefit office but can't get through. Either all lines are busy or nobody can take my call. I did get on a wait que to talk to someone but got disconnected. A menu on one said to reach someone press '3' but when you press '3' it says invalid entry. *grumble*

    Anyone know how to get into prostitution? j/k
  • dfrourke

    Posts: 1062

    Mar 09, 2009 3:25 PM GMT
    I'm fine so far [and definitely when you consider McGay's picture]...most of my friends are ok as well, with a few just working in an environment where job cuts could come at any moment...so I hear them when they are stressed out...

    - David icon_wink.gif
  • Posted by a hidden member.
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    Mar 09, 2009 4:20 PM GMT
    My employer instituted an across-the-board 10% salary reduction, which is painful, but at least I still have a job. Much to be thankful for given the current economic climate.
  • Posted by a hidden member.
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    Mar 09, 2009 4:30 PM GMT
    I just graduated from college last may, just in time to not find work.

    I am just going to stay in grad school till I'm finished. I am trying to get all sorts of internships on Capital Hill in D.C. to help my resume too. I am living at my step-father's old house rent free because the mortgage is paid off, so that is helping me. I'm helping my mom open her law practice as compensation for living rent-free. If things don't improve by Aug of 2010 when I finish my grad degree, then I might just enter the Ph. D. program I want to go to in Delaware instead of in 10 years from now as I had originally planned.
  • Posted by a hidden member.
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    Mar 09, 2009 7:10 PM GMT
    growingbig, Damn !!! sounds like you might be getting 'down to the wire' !!! I've been in that situation where even phone calls seemed to go to hell while trying to make my way. I can laugh at those times now, but it sure wasn't laughable then. Once when I got laid off the unemployment office was giving me hell over something (I cannot remember the issue) but anyway it was something about benefits, well I got pissed and said "Well just suppose I go drive a tractor for a farmer in trade for some potatoes, she said, "then you must report the value of the potatoes" I said, "like hell" and hung up on her. Then of all things I got a job driving a huge 4 wheel drive White tractor. Wasn't paid in potatoes though. LOL !!!! >>>>>>>>>>>>>>>>>>>>>>>>>>> Something to think about is to advertise yourself out for hire to do odd jobs for elderly people around their homes. you all may laugh but when I was director of a housing authority we constantly were being asked by the elderly if we knew of someone who would do some work for them. It may be running errands, doing some techno work for them at their homes. cleaning up their garage, doing their checkbooks for them, any number of things. that they cannot do on their own anymore. Try that instead of prostituting, LOL !!! you may not make as much though. Ha !!!!
  • Nayro

    Posts: 1825

    Mar 09, 2009 7:27 PM GMT
    I was a poor student and I still am a poor student, nothing changed icon_smile.gif
  • styrgan

    Posts: 2017

    Mar 09, 2009 8:11 PM GMT
    realifedad said Most of us "older" guys are pretty well established so will do ok. But I wonder about (1)some of you younger guys who are in college needing work to make ends meet so you can stay in college. (2) guys that finished college and still unable to find work. (3) guys that in the last several years have been getting established, and all at once lose your job. (4) other equally devasting situations.


    Don't be sure about this recession hitting one demographic more or less than another. Many companies have a track record of laying off employees who cost them the most money. This usually means "older guys who are pretty well established" and have been with the company for fifteen years. I escaped two rounds of layoffs entirely because HR focused on the more senior people who were making too much money and not showing any signs of advancing further. The 25-year old kid who's three years out of college and has only been on board for two years is an easy keep.

    Of course it also means sacrificing a raise and a Christmas bonus.. and taking on the workload of all the people who are gone...

    Which means less time at work dicking around on RealJock.

    Grrrrr.

    icon_evil.gif
  • Posted by a hidden member.
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    Mar 09, 2009 8:25 PM GMT
    My lifestyle is still the same, and Oz has been doing well to battle off the recession the US has given the world. Yet Aussies and Australians have lot their jobs, and homes.
  • Posted by a hidden member.
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    Mar 09, 2009 8:33 PM GMT
    This whole cultural shift to sustainable living has me increasingly busy at work. That said, I am budgeting as frugally as ever, living "off the grid" as much as possible, and feeling rather empowered as a result.

    Industrial Corporate America needs to realize that our happiness no longer runs through them.
  • Posted by a hidden member.
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    Mar 09, 2009 8:34 PM GMT
    CareerBuilder has lots of tips on how to land a job...

    http://www.careerbuilder.com/JobSeeker/Resources/CareerResources.aspx?sc_cmp2=JS_Nav_CarRes

    Scroll down to the bottom and in the center column, click on Cover Letters and Resumes