AshEdit—News About Books & Writers

June 5, 2011

The Girl’s Guide to Homelessness and How to Make $49.78 Last

Filed under: Uncategorized — ashedit @ 5:16 pm

RIGHT: Elaine Ash, May 2011

I have $49.78 in my pocketbook. Money in my checking account is to cover rent and that’s it. Tragedy time? Not really because my largest client (corporate healthcare) is late with my check, and it’ll get here sooner or later. But I’ve been dipping more and more into savings to tide me over as the wait for Accounts Payable grows longer.

It was Wilkins Macawber, a character created by Charles Dickens, who calculated happiness and misery in monetary terms,“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”

With Dickens nagging at me, the hammer really came down when I saw a lead story on Yahoo last week about a new book called The Girl’s Guide to Homelessness, by Brianna Karp. At the age of 23, Brianna lost her job and moved into a travel trailer that she inherited after her father’s suicide.

(Doesn’t the girl in the picture bear resemblance to Carrie Bradshaw in Sex and the City? Carrie HOMELESS? Gulp! ) 

I was so moved by Brianna’s gumption and self-reliance in the face of harshly reduced

circumstances, that I e-mailed her and she responded by friending me on Twitter. As the child of a mentally ill parent, Brianna had to grow up fast and be strong or be squashed. These “forced coping abilities” enabled her to endure trying and even torturous times, serving her well during her homeless stint. I was truly amazed by this young woman.  Like her, I have coping skills and I’ll never, ever go hungry. (Think Scarlett O’Hara shaking a turnip defiantly at the sky.)  I also have other things in common with Brianna.

Everygirl’s Story

Six years ago I lost my job in advertising. The company decided to move out of state and pink-slipped the whole bunch of us. There was solace in numbers, but in the months following, I thought I was the only person finding it hard to get a job in California. Little did I know at the time, but it was part of a trend—small business fleeing the state, jobs hemorrhaging overseas, lower-paying jobs gobbled up by third-world labor abroad and right here at home. I left my beach-side “executive-apartment” home, as the ad called it, on the westside of Los Angeles and moved to a tiny guesthouse in the burbs, 40 minutes away.

My place is clean, quiet and space-challenged. Just outside is a well-tended flower garden and ample backyard. I park my car practically at the door and all utilities and internet are included for $700. a month. I rent an additional storage unit for $61. per month and the landlord insists that I rent a post office box for my mail at $70 a year.

All my work is freelance and internet-based. I can’t afford health insurance, but I’m an avid believer in holisitic and herbal medicine, so I treat myself for everything from viruses to whatever. I pay $46. per month for accident insurance through Adventure Advocates, plus $166. per quarter for a supplemental accident policy through Farmers. If I contract cancer, God forbid, I’m on my own. But if I fall and break a bone, I’m covered; for emergency room treatment, too.

With expenses this low, I can afford to save as well as splurge on the occasional trip to cover newsworthy book events like the Edgar Awards in New York City. My big yearly blast is three nights in Vegas at summer rates which are a fraction of high season. This summer I’m hoping to stay at the Wynn, arguably the glamour destination in Vegas, for 3 days at $139. per night. I pack my own coffeemaker, snacks and sandwiches. I don’t drink or gamble while I’m there, but I luxuriate in the gorgeous room and take advantage of all the free stuff a glam place like the Wynn offers. This summer, with the price of gas and business hiccupping along, I might need to skip it. Right now, I’m playing it by ear.

Why Am I Telling You All This?

Because more people are joining me in tenuous situations every day. It was Brianna Karp who really made me want to speak about it. Brianna has written the definitive twenty-something’s story of homelessness. She will see the country’s economy rise again, even if it takes ten years or more. But what about people 40 and above? It’s so embarrassing! We were supposed to have it all. We were supposed to be able to retire comfortably after a lifetime of prime economic boom. Where are the voices of the tenuous 40-year-olds, or those at 50 and 60? Well, we’re still only whispering.

What’s the Plan, Stan?     Right, Brianna’s author photo

What’s going to separate the homeless from the housed in the coming years? For many, it’s going to take extraordinary skill to stay steps ahead of the Grim Reaper of Homelessness. For me, initiative and adaptability are the surest bets to keep me fed until small business in this country rises again.
One small step for me, is to embark upon a Pay-As-I-Go plan which means I don’t dip in savings as a tide-me-over but instead make the money I have last as long as possible until a paycheck comes in. If that means staying home to conserve gas and eating whatever’s in the frig until check time, so be it. I swore off take-out and the gym membership ages ago. Something very old-fashioned has taken hold in me, just as it’s sweeping the country: If the money isn’t there, it doesn’t get bought. Period. It’s an echo from the days when people saved first and spent later—the old cash-is-king notion.

A few hours later…

I just returned from the post office. I got a completely unexpected tax refund of $860.02 and a hundred bucks from one of my clients. Normally, I would be dancing and I am dancing, but the larger picture is that it’s going to take a heck of a lot more than $860.02 for me to feel safe and as though I have enough savings to really tide me over should business stay as bad as they say it’s going to. Truth to tell, $860.02 is just about what I’ve pinched and bled out of my modest savings over the past 6 months—savings that are supposed to be there as an emergency fund should I fall sick or have well, an emergency.

So 100% of the refund goes to savings, the hundred bucks goes into checking for the upcoming cell phone bill (I no longer have a home phone) and I’m going to continue my experiment of hanging on to my $49.78 as long as it can last.

END

I could write more about this topic, but I’d like to see the level of interest. If you are intrigued by Brianna Karp, and the threat of homelessness  on a very personal scale, please leave a comment.—Elaine Ash

Brianna’s site: http://girlsguidetohomelessness.com/

THANK YOU to the fabulous Lathea Williams at Harlequin!

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40 Comments »

  1. While my own family’s situation isn’t so grim, we have certainly weathered our share of changes. I find this stuff fascinating. Our goal is, rather than follow the American trend of “more, faster!” to downsize in as many ways as we can, so that we have more quality and quantity of life. It’s tough — I’ve been driving the same raggedy truck for 15 years — and sometimes challenging to stick to my priorities, but we are getting there, slowly but surely.

    The biggest change was my wife lost her job the day after we returned from a big (and, for us, expensive) vacation the likes of which we’d never taken before. Rather than find another soul-sucking day job, she’s focused on her dream of her own fashion design business. She’s been at it for over a year now, and had some successes, but now that’s all she’s doing. Money is certainly tighter on my sole income, but we are now heading into what is her busy season. Our fingers are crossed.

    Comment by chrislatray — June 5, 2011 @ 7:40 pm

  2. Chris, I hear you loud and clear, and thanks for your honesty. If your wife has a website for her business, you are welcome to post it here.
    EA

    Comment by ashedit — June 5, 2011 @ 9:25 pm

  3. I know I’ve been pretty lucky in my life. There were plenty of years when I felt like I was living pretty close to the bone, but was never in serious threat of missing many meals. It is still a scary thing though. There is a fine line between having enough and having none.

    Comment by Charles Gramlich — June 5, 2011 @ 9:26 pm

  4. Hi Charles, I’m finding more and more people are not nearly as secure as one would think. The huge bubble of boomers heading towards retirement is a great concern. How do we take care of the elderly and not crush the young by saddling them with an outlandish bill? Money is always hard for people to talk about, but we’ve got some mighty difficult choices to make.
    EA

    Comment by ashedit — June 5, 2011 @ 9:49 pm

  5. I certainly can sympathize. Long story annoyingly short, me and my family (5 of us total) live with my mother. My wife was laid off (masquerading as a firing, I believe) from her job in 2008, and due to her age (just turned 49) really hasn’t been able to find another. Which leaves me with my paycheck as the main income for my family.

    And considering I work for the state of CT and things are coming to a head with the budget and the resounding ‘NO’ on a concession package, chances are very good that my paycheck will shrink even more. I’ve gotten better in budgeting my money, but both tax refunds and the extra I have taken out of my paycheck just barely helps keep my head above water.

    Comment by G — June 6, 2011 @ 2:26 am

  6. Good, unsentimental look at what is becoming the essential narrative of the era. I definitely want to hear more, and I think we all need to.

    Comment by Al Tucher — June 6, 2011 @ 3:27 am

  7. Hi, all. I have Elaine on the phone as I write. Her internet is down. I’m commenting here on her behalf.

    “G., you’re in a situation that we are seeing more and more, where an entire household depends precariously on one earner. This echoes Chris’s post above. The pressure must be enormous. Considering the circumstances, I’m so grateful that you took the time to write. I think there’s a need for more people to speak up that this is happening to them, too.

    Elaine Ash.”

    Comment by Al Tucher — June 6, 2011 @ 7:15 am

  8. Okay, internet back up and thanks Al Tucher for pinch-hitting. 🙂 The other thing I’d like to add, G, is something you touched upon which is age. I have heard that although it’s a recession for other walks of life, for 50-somethings it’s a depression. (No, your wife is not yet 50, but she’s so close that I’m wondering if she got hit by that wave.)

    Comment by ashedit — June 6, 2011 @ 7:38 am

  9. I wonder if homelessness is becoming a leading literary theme in novels and memoirs of our time. I just had the opening of my latest novel in progress accepted for publication in Needle Mag, and the story features a “normal” American family (i.e., mom, dad, two kids) except that they are homeless.

    Comment by Stacey Cochran — June 6, 2011 @ 7:50 am

  10. Hi Stacey, thanks so much for dropping by.
    EA

    Comment by ashedit — June 6, 2011 @ 7:57 am

  11. Boy, where to begin with this one….

    My father can certainly testify to age discrimination these days. A few years ago he was trying to exit a poorly-run company for greener pastures and it took a few years to find something–he finally did, though his advantage was knowing somebody at the new company. He spent eight years with the new job and retired in April of this year. My step-father has not been as fortunate: laid off two years ago, hired again, laid off again, and he’s 64. Nothing is out there right now even though *he* knows a lot of people too. He and my mother will not be able to afford to retire, but part of that is their fault: they spent all their money on fancy vacations and home upgrades because there was never any reason to think that the cash wouldn’t always be available. But to listen to them talk about it, you’d think they were the victims of some sort of scam, and they don’t like it when I point out they could have skipped a few cruises.

    As for me… I spent almost three years without a job or under-employed. I’ve always lived cheap but when there isn’t anything coming in or not enough, “cheap” is expensive. I’m with a company now that is doing well but the owner just decided to sell the company! On the bright side, our district manager is going to buy the Northern California portion of the company, so unless the deal fails completely, my job will continue. But the prospect of being out of work again is something I cannot force my brain to process no matter how hard I try. The first year of that forced vacation was wonderful; the other two years were not wonderful.

    So, Elaine, basically you are not only not alone, but I think that you are correct: all over the country folks are not living the way they used to. And while cash may be king, inflation is the pink elephant in the room, and soon what little cash we do have will not be worth very much. We have gone beyond politics and finger-pointing so I will not engage in that here, but we are in for a long haul back to “normal” which, along the way, will change into something different for each person.

    Comment by Brian Drake — June 6, 2011 @ 9:14 am

  12. Brian, thank you for this stark and honest comment. It’s a little like stripping naked in public–we’re so used to putting on the face that things are okay. I know I wear embarrassingly old clothes around the house and save my newer stuff for going out. My financial strain is still hidden. This morning I’m getting private emails about “outing” the plight of older Americans, which you have also talked about in your post. Why isn’t this conversation taking place in more public venues and media? The scream may still be silent, but it’s certainly making itself known to me. It’s like ripping the bandage off a wound.
    EA

    Comment by ashedit — June 6, 2011 @ 9:29 am

  13. Well, to add to the drama, I was laid off today–after only a year and a half at this gig–and our last day at the office is Friday.

    Comment by Brian Drake — June 6, 2011 @ 3:28 pm

  14. […] I want to thank Elaine Ash for her kind words about my book on her blog, and for sharing her own story. Elaine touches on a […]

    Pingback by Homeless News – and San Francisco Bound! — June 7, 2011 @ 2:12 am

  15. Brianna, thank you so much for the kind words about this article on your blog. Traffic to my site has been energetic to say the least, and I’d love to do an interview with you about writing your memoir. Although it’s titled a “guide,” the genre is actually a memoir, and not only is the buying public eagerly snapping this genre up, many writers, including first-timers, are interested in penning them. I hope you’ll say yes!
    EA

    Comment by ashedit — June 7, 2011 @ 6:19 am

  16. I own my own home (a rather nice manufactured home) but…..I’ve been either under-employed or unemployed for nearly 6 years now. I am 2 months behind on space rent, 2 months behind on cell phone bill, 1 month behind on everything else. I am just starting a part-time (10 hours per week) job online which will help with some of the bills.

    In the last two years I have applied for 332 jobs. I rarely get interviews. Bend, Oregon has always been a hard place to get a job…..but I think this particular ‘no result’ period is due to being over 50, overweight, and gray-haired (3 prejudices for the price of one!)

    I will be renting out a bedroom/bathroom in my house as soon as I can find a renter. The rent will cover (mostly) space rent and my online job will take care of everything else. But for the moment, really all I want to do i hide under the bed with 10 pounds of chocolate (which of course I can’t afford!)

    Comment by suellen roley — June 7, 2011 @ 9:24 pm

  17. Hi Suellen, IMO renting that extra room is a great idea. You want to make sure they are of good character,( I know you know that), but it’s a great idea. You can still afford chocolate and here’s how: buy bulk chocolate chips. I buy it from Sprouts, which is a healthy market that has those big bins full of bulk food. Where else can you get quality chocolate for $3.49 a pound? Think about coloring the gray hair away. You’ll lose 5 years. The drugstore stuff is plenty sophisticated these days.
    EA

    Comment by ashedit — June 7, 2011 @ 9:47 pm

  18. I totally hear ya sister. I’m in the same boat… without savings. I’m 42. I’ve been looking for a permanent job for two years and surviving on freelance and unemployment in between. I’ve already cashed out my 401K (and lost a third of it). I never thought about age discrimination at 42 because I look (and feel!) like I’m still in my 30s, but I suppose that could be a large part of it. I maintain a positive, grateful attitude and I don’t think living close to the Earth would be TOO bad until night comes and I imagine being outside because I don’t have a choice, and that is a scary prospect. The new paradigm of living is definitely on its way. I just hope we can all find peace with it.

    Comment by Trayce — June 8, 2011 @ 1:46 pm

  19. Hard times are better shared, and although times are hard, it’s great that the Internet allows us to share ideas, solutions, prayers and moral support–something the folks in the Great Depression didn’t have the opportunity to do unless they met on the road or the rails.

    Judging from the number of comments, I think you’ve really tapped into a deep current running beneath the surface here.

    Comment by Mark Boss — June 9, 2011 @ 7:26 am

  20. Mark, I think you really have good insight. I’m just tired of pretending that it’s all okay and that even though “business is a little off” I’m still doing fine. I may be doing fine in terms of I’m not homeless, but one slip and it’s a possibility. I’m tired of staying silent waiting for things to turn around. I’m telling the unvarnished truth about my situation, and find there’s no shame in it. Thanks so much for commenting.
    EA

    Comment by ashedit — June 9, 2011 @ 8:21 am

  21. I want to thank all the new subscribers to Ashedit. You’re knocking me out here! Thanks so very much.
    Elaine

    Comment by ashedit — June 9, 2011 @ 11:18 am

  22. It’s just a thought, but have you considered monetizing your blog with advertisements? Ads can provide enough income to cover the costs of a site, or some people earn enough to pay their monthly cell phone bill. I don’t know what traffic numbers you get here, but you get a lot of comments and that’s a good sign.

    Blogger uses Adsense, and maybe WordPress has something like that, too? A buddy of mine said he’s had good luck with projectwonderful.com, so they may be worth a try.

    Comment by Mark Boss — June 9, 2011 @ 12:08 pm

  23. Hi Elaine

    Ian here from the UK.

    I’m about to become homeless though in some respect it’s my choosing, I’ll be living in my car in about 28 days or so time, I have been feverishly planning my new life, I find it amazing how much we take for granted and sometimes most ungratefully too.

    I will still have a part-time job of about 17.5 hours that will barely keep a hamster alive.

    I feel I’m far better off than most homeless people I read about just by having a car and a part-time job.

    It seems to me that not just anyone can be a homeless person successfully, it’s a real skill requiring a lot of creativity, commonsense, intelligence, endurance beyond the normal threshold, meticulous forward planing for the most basic human needs, alertness and awareness of the surrounding enviroment and people at all times, plus many more qualities.

    Now if that was a job ad, I wonder how many could demonstrate how they carry out those criteria every single day.

    I have thoroughly enjoyed reading your blog Elaine and Brianna’s blog I’m glad that I found you both before I become homeless.

    I’m just about to write my first blog post for my site, Post TItle —- I’m Pregnant.

    Being male that will be a challenge.

    You will have to excuse my humour, after all I am British.

    I hope this finds you well and I look forward to hearing more from you on your site.

    Ian UK

    Comment by Ian — June 12, 2011 @ 1:51 pm

  24. Ian, I am honored that you took the time to visit us here, and from such a ways away. I truly hope you can find a way to not be homeless, even if it’s to find a trailer, or a “caravan” as they call it in the UK. Just a tidbit: as far as I know there are some large Buddhist temples and monastaries in the UK. One that comes to mind is Manjushri Centre in the Lake District. I wonder if they provide shelter in exchange for help in the kitchen or with the grounds? My thoughts are with you. Where there is a will, there is a way.
    EA

    Comment by ashedit — June 12, 2011 @ 6:05 pm

  25. Suzanne: Thank you for your kind words and nice catch. I will make sure Brianna sees it. She does check in over here, but she might not answer here.
    EA

    Comment by ashedit — June 13, 2011 @ 3:33 pm

  26. I am 69 and a former net worth of almost 3 million dollars. Thinking it would last forever I retired at 58 when the market crashed I was without funds and the income my money earned through leveraging. I own my home but can’t sel it and the taxes, maintenace are eating me up. I took an $12/hr job at a phone bank. My wife is unable to work. Rather than evolve through advanced age nursing homes I really think suicide is a viable option for someone in my circumstances as have many of us I have had some good things in life and feel punching my own ticket is a better plan than waiting sickness and poverty

    Comment by gerald hammer — June 15, 2011 @ 5:57 am

  27. Gerald, no this is not the answer. I know things are hard but you need some perspective. This is not the Nazi holocaust, it’s a Great Recession. This too shall pass. The Jewish Vocational Service offers outreach and groups that i’ve found very helpful. I don’t know where you are but if you start here you can probably find the equivalent in your area. My best advice to you is get into the nearest group of people in the same boat as you, led by a moderator, and hear the ideas they have to share. Strength is in outreach and sharing. You have a lot of wisdom to share and you also need some right now. Do it. http://www.jvsla.org
    EA

    Comment by ashedit — June 15, 2011 @ 6:59 am

  28. A wise pal once told me, “Problems are temporary. Suicide is permanent.”

    Your life has value and meaning.

    Comment by Mark Boss — June 15, 2011 @ 8:53 am

  29. Hi Elaine

    Ian from the UK

    I think it would be a really cool thing to write more on this topic above in your post.

    I’m not quite homeless yet about 20 days or so.

    Its strange how the housed presume to know what a homeless person thinks, They decide what we need and how we want it but never ask.

    Imagine if we said to the housed you need a shirt or a new dress, and then went and bought one for them and pitched up saying there you go we bought that for you.

    Does it fit.

    Well meaning I know, and that’s to thier credit, but we do like to be consulted. Funny being homeless or almost homeless dosen’t mean I no longer have an opinion on anything or that it’s a valueless one because I homeless or about to be…..

    Hope this finds you well I enjoy reading your Blog.

    Ian Living in His Car.

    Comment by Ian — June 27, 2011 @ 1:37 am

  30. As we unemployed/underemployed advance toward 70 i think bak to all the boorah we received coming up about controling our own destiny. I go into state senior homes occaisonally(the kind where you give up your social security to stay there and see old people just wharehoused waiting for the reaper, some spend years ther not having visitors, having to wear diapers. Why not pick your spot and go out healthy with your good memories.

    Comment by gerald hammer — June 28, 2011 @ 8:08 pm

  31. Hi Gerald, thanks for visiting again. Preparing for death is one thing. Checking out early before your time is another. I think what you’re getting at is the lessened value of a life without meaning. But even people who have lost some of their physical functioning can have rich inner lives. What about writing your own memoir with wise thoughts and ideas that you’ve gained over your lifetime? You have so much to share that doesn’t cost money, but is rich in wisdom. Do you know Nick Vujicic? Here’s a link:http://www.youtube.com/watch?v=Gc4HGQHgeFE

    Comment by ashedit — June 29, 2011 @ 6:04 am

  32. I have often wondered why the truly homeless, those middle aged or older that sleep on the street find reasons to stay alive. The writer of THE HOMELESS GIRL GUIDE is still inher 20s and had a good paying job an has her future ahead of her she still has youth and the same talent that got her th 50K job in the first place. I remember in my 20s being single between jobs an sleeping at friends houses knowing it was jst temporary

    Comment by gerald hammer — June 29, 2011 @ 4:52 pm

  33. Those who are older and homeless find reasons to stay alive because, “God has set eternity in the hearts of men.” Ecclesiastes 3:11 Whether we acknowledge him or not, God is there, he created us and put a purpose and desire into all of us to live.” There are always those in the world who are so much worse off then the homeless in America. Look at the children(!) in Brazil who live in garbage dumps and go through that garbage to try and find something to sell in order to afford something to eat. I was homeless for seven years last decade and no one knew it because I camped (so had showers) or slept in my car at reststops and bought a day-use pass at campgrounds to shower. I did it for a specific reason, and I am glad for the opportunity to now have the knowledge of how the “suspected homeless” are treated by park rangers – which was quite poorly.

    Comment by bill perkins — July 2, 2011 @ 5:55 pm

  34. Hi guys, check in with Ian in the UK who has posted a very good article plus a video on his blog:http://thehomelessblogger.org/
    Why not show Ian some love and leave a comment.
    EA

    Comment by ashedit — July 6, 2011 @ 7:24 pm

  35. Hi Elaine,

    Thank you so much for such a nice comment and the one you left on my site, I really appreciated it especially from such an accomplished author as yourself.
    I feel like a millionaire just because of those nice comments.

    I’m not to sure how this works, would you like me to answer here or on my blog. I’m going to answer in general on my blog but as You kindly took the time to ask I wanted to repay your kindness by replying personally to you as well.

    Have a great Day in America Elaine.

    Ian

    Comment by Ian — July 7, 2011 @ 12:20 am

  36. Hi Ian! Leaving a comment here is just great. I saw your blog and video and I think you’ve got your head on straight and give a lot of good advice about managing money. Also the pics of the deck work you built are GORGEOUS, Beautiful work. I can’t wait to hear the three ways for growing a business that you mentioned in your blog. Also, I advise that you leave your blog address with your signature when you leave comments around the web, so people can see it. Just a suggestion. Keep up the good work, Ian.
    Elaine
    Ian’s blog address:
    http://thehomelessblogger.org

    Comment by ashedit — July 7, 2011 @ 5:27 am

  37. Hi Elaine

    Sent you 2 emails with some extra thoughts.

    I sent them to your consulting email address that you have on that site on the contact’s page.

    I’m only mentioning as I had a site that I miss spelt the adrress and never noticed for ages.

    Ian

    Comment by Ian — July 7, 2011 @ 2:25 pm

  38. Hi Elaine

    Posted at last a bit late but now done, http://thehomelessblogger.org/151/pre-homeless-business/

    Thanks

    Ian

    Comment by Ian — July 8, 2011 @ 4:48 pm

  39. Hi Elaine
    I just wanted to say a big thank you to you as I have had quite a lot of extra visits to my site.

    Ian

    Comment by Ian — July 10, 2011 @ 1:06 pm

  40. I know this is an old post. But I so relate, if not for my mother paying over a years space rent (once last year, once this year) I would have been on the street with two cats (in a pickup truck probably, because the homeless shelters don’t take pets).

    I have been underemployed or just plan flat out unemployed since October 2005 when I lost my job, car, and apartment within a week of each other (mostly due to a boss that didn’t pay for 9 months out of the year I worked for him). I moved in with my father and we struggled together for about a year until I inherited quite a bit of money from my grandmother.

    When my father passed away he left me the mobile home and his truck, 3000 in his checking account and 5000 in life insurance proceeds. By the time the money was starting to run out, there were no jobs to be found (and believe me I have looked and looked, this town has always been hard to find a job in–and my age [51 almost 52] doesn’t help a bit)

    Things didn’t get totally horrible though until April 2010 when the unemployment ran out. In the last two years I have sold everything that would sell (tools, antiques, collectibles, books, and finally the pickup truck too) to keep the other bills paid (internet, phone, Dish network, cell phone electricity)

    In August 2011 I developed pulmonary emboli (blood clots in the lungs) and spent 3 days in the hospital. The hospital waived all their fees, but I still owe about 2000 to 3 service providers

    And I am three years behind on property taxes on my home..

    In April 2011 I ran out of things to sell, and ran out of money. I lost the cell phone due to lack of payment. I lost Dish Network for the same reason, and when I got the notice from them I just kind of snapped. First I said “I don’t care” although it wasn’t true. Then I recast the statement to “I can’t care!”

    Shortly after I gave up caring, I got a part-time job online. And then a month or two later I got a paying roommate. Things are looking up 🙂

    Comment by Suellen Roley — October 23, 2011 @ 10:23 pm


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