What Do I Do Now? - Littleton,CO

Updated on January 16, 2010
K.K. asks from Littleton, CO
5 answers

Hi mom's, I felt you were my best resource for this question. My husband has been layed off of work since August 2009. His severance run's out in February. This means as of March 2010 we will not have money for the mortgage, groceries,household bills, health insurance...well you get the idea. Up to now I have just been going with the flow. He has had a good offer for January but, it is just an offer and the lady is not rushing into anything but has continued to keep in touch with my husband with promises of a job in January. I got a job in March but it will never cover our bills the same as his paycheck and insurance does. Okay, you get the idea. I am starting to get nervous about sitting back and idley expecting this job of manifest. What if it doesn't? What if I just sit around and then find out it is too late to do anything? What would you be doing, if you were in my shoes? Would you wait for the last check and then start calling the Mortgage Company? Would you already be looking for health insurance other than Cobra? Would you be looking into Cobra? I just don't want to be sitting here on my thumbs and look and feel stupid at the end of February. I hate looking stupid! I have never been in this situation and I am hoping all will just fall into place. But, if it doesn't I would feel better about myself if I were doing somthing constructive, I just do not know what or how! Help! Please if you can. Thank you, you have never let me down. K. K.

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answers from Denver on

If your husband does not start a new job and your income is low to moderate, you may qualify for Medicaid. My understanding is that Cobra is pretty expensive. If you are raising your grandchild more than half time, she may qualify for medicaid even if you don't, because the income limits are different for children than for adults. It's worth checking into that now, for all of you. You would contact the county office - if you live in Arapahoe county, you could go in person to the office on Alameda, or see http://www.co.arapahoe.co.us/Departments/HS/index.asp

I probably would call the mortgage company now as well. If the income isn't there, then you will definitely need to talk with the company about other options for modification or foreclosure prevention, and from what I understand that is not always easy or fast - so I'd begin now if it were me. That said, I think it's good to stay calm and expect things to work out because a positive attitude can only help bring positive outcomes.

Good luck to you -- I really hope all works out well for your family.

1 mom found this helpful


answers from Pueblo on

I feel for you in your stressful time. My hubby and I have started listening to Dave Ramsey on the radio and have read some of his books. It's worth looking in to! He's got great financial outlook and advice. Look at daveramsey.com to find out when you can listen to him. He's also on tv.

Good luck to you. May 2010 be your year!

1 mom found this helpful


answers from Denver on

Hello K.,
I know this is a little late but I think I might be able to help you out. I have a homebased business with AmeriPlan. We offer discount dental, medical, RX and vision plans. We also have plans to save you on your every days savings such as at Walmart, Target and many more retail stores. The benefits are great! You can save up to 80% on dental alone! My son is going in for major dental surgery next week. With our insurance through Metlife it was going to cost us $1360 out of pocket. With my AmeriPlan card our out of pocket cost is down to $856!!! We offer dental plans starting as low as $19.95 a month for the entire family, related or not!!! Our medical, vision, RX and retail savings are just as great. On the business side we get all benefits, daily, weekly and monthly pay, AD&D insurance, direct deposit and many more great benefits! I am so thankful I have found AmeriPlan to help myself and my family! Please take a look at my websites and let me know if you think any of this might help you out! www.freedomathometeam.com/trdettmers and www.everyonebenefits.com/trdettmers, please feel free to contact me at ###-###-####.

Thank you!

1 mom found this helpful


answers from Huntsville on

I know how you feel! My husband has been looking for a job for months now. We are hoping to hear good news from one that said they would be hiring at the first of January (can they please call January 1st?? haha!). I took a part-time job and have also been doing some Web programming on the side for extra $$$. Then my part-time job employer offered me full-time, needless to say I signed the offer letter that day! :) Still, that full-time job only covers our regular monthly bills (rent, electricity, phone, car payments, daycare, etc). We are late on a lot of our payments and I continue to do as much work as I can to earn some extra $$$.

In your situation, I would continue to look for more work and/or a better job. For you and your husband. Also look into your different health insurance options, so that you will have the info when you need it!

Even if you or your husband can find just temporary work, it will help!

Good luck!

1 mom found this helpful


answers from Boise on

I know it sounds crazy, but I think it is best to tell your husband that you are counting on him to provide and you know that he will figure it all out for you guys. I believe that men and women are wired differently.

If a man knows that a woman is worrying about something and trying to take care of it herself (finances), he is wired to sit back and let her do it.

If he knows that she is counting on him and that she believes in him, he is more motivated to figure out a job or at least figure how to resolve financial issues himself. Men are wired to be protectors and providers and it is where a large part of their self esteem comes from. Although men and women are both capable of doing the same things, CAPABLE is different than where you are most comfortable and where your natural abilities lie.
Women tend to obsess and get ulcers when money issues abound, but men don't.

So put it in your husband's hands, in my opinion, and tell him you are not going to worry about it, that you are sure he can handle it.

Good luck,

1 mom found this helpful
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