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Author: Subject: Are You Worse Off Now....

Zen Peach





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  posted on 11/25/2008 at 12:12 PM
During the election there was a lot of posting about thing going on in the country and how it has affected our lives and I was wondering......are you worse off now than you were a year ago and if so, is there anything particular that you're doing to get through this time that you're willing to share?

 

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Sometimes we can't choose the music life gives us - but we damn sure can choose how we dance!


 
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Extreme Peach



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  posted on 11/25/2008 at 12:39 PM
scrimping and saving whenever and wherever we can everyday.

It's possible we are heading for deflation that would help some.

 

Maximum Peach



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  posted on 11/25/2008 at 12:49 PM
Not worse off, but preparing for tougher times. It's all based on staying employed. I'm proposing some projects that could keep me employed till at least 2010, but who knows the outcome given our current market.

Fortunately, I have enough saved that I can survive for 3-4 years without income, as long as the currency stays intact. I hope not to tap that if possible.

 

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Obamacare: To insure the uninsured, we first make the insured
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Zen Peach



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  posted on 11/25/2008 at 12:56 PM
quote:
During the election there was a lot of posting about thing going on in the country and how it has affected our lives and I was wondering......are you worse off now than you were a year ago and if so, is there anything particular that you're doing to get through this time that you're willing to share?


Personally, for me, the time measurement we are discussing is too short. Im doing better than I was 2 years ago, but Im also working a helluva lot more and its more or less by choice. Then again, I dont live above my means and Im not up to my eyeballs in credit debt.

 

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Zen Peach



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  posted on 11/25/2008 at 01:08 PM
About the same....

 

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True Peach



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  posted on 11/25/2008 at 01:21 PM
About the same, but I have to admit, the high prices of gas had me worried. Probably like most of us. Still has me worried a little, cause it can go back up as fast as it dropped.

 

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Zen Peach



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  posted on 11/25/2008 at 01:21 PM
I would say, my life is about the same, as long as I keep my job.

 

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Front feet doin' the shuffle, back feet too, love them good ol' Georgia blues


 

Zen Peach



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  posted on 11/25/2008 at 01:27 PM
Mostly around here we're doing pretty much what Bob is doing.....conserving and saving when and where we can. It's just a thought but I believe people who haven't lost their jobs are still doing relatively okay but it's the uncertainty of what's ahead that's got some of us holding back on our spending. Christmas this year looks like it may be murder for the retailers.

 

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Sometimes we can't choose the music life gives us - but we damn sure can choose how we dance!




 

Ultimate Peach



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  posted on 11/25/2008 at 01:38 PM
Lost my job a month ago, still no job. My brother was laid off last week. Had to look my own father in the eyes and ask, "how does it feel to have both of your sons unemployed"? Mind you, my brother and I have always held at least a part time job since we were old enough to work. I actually had to save up money to go play golf with my bro and uncles this thanksgiving.

It's hard, being someone who is always busy, to not have a job to go to everyday. It's been hard on my marriage, social life (non existant now), and finances.

Alas, tomorrow I will spend the day in the fellowship of my family. Thursday I will do the same. I refuse to let all this make me a bitter person!

 

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That's right never criticize some one till you walk a mile in their shoes, that way when you criticize them, you're a mile away and you've got their shoes!

 

Zen Peach



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  posted on 11/25/2008 at 01:41 PM
No, we're the same. Just keeping an eye on things.

 

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R.I.P. Hugh Duty


 

Maximum Peach



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  posted on 11/25/2008 at 01:42 PM
quote:
Not worse off, but preparing for tougher times. It's all based on staying employed. I'm proposing some projects that could keep me employed till at least 2010, but who knows the outcome given our current market.

Fortunately, I have enough saved that I can survive for 3-4 years without income, as long as the currency stays intact. I hope not to tap that if possible.


This most accurately describes my situation, although all is tied to employment. Its been a horrendous year for the industry in which I work (finance/asset management), so I am fortunate to still be employed. I am also fortunate that I have saved my money and don't have any debt besides my mortgage. God forbid I lose my job, I think I can still live for about 3 years on my personal savings acocount (not my 401K).

I actually think now is a great time to prepare to make yourself better off, looking 5-10 years down the road. If you have some risk based capital, the next few months look pretty enticing in terms of investing...if you can stomach the volatility.

 

Zen Peach



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  posted on 11/25/2008 at 01:43 PM
quote:
Lost my job a month ago, still no job. My brother was laid off last week. Had to look my own father in the eyes and ask, "how does it feel to have both of your sons unemployed"? Mind you, my brother and I have always held at least a part time job since we were old enough to work. I actually had to save up money to go play golf with my bro and uncles this thanksgiving.

It's hard, being someone who is always busy, to not have a job to go to everyday. It's been hard on my marriage, social life (non existant now), and finances.

Alas, tomorrow I will spend the day in the fellowship of my family. Thursday I will do the same. I refuse to let all this make me a bitter person!



I'm so very sorry to hear about your situation. But I like your attitude. Feeling like that, there's no way you aren't going to be okay in the long run.

 

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Sometimes we can't choose the music life gives us - but we damn sure can choose how we dance!




 

Ultimate Peach



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  posted on 11/25/2008 at 01:44 PM
quote:
investing...if you can stomach the volatility.




That is the key to it all I think!

 

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That's right never criticize some one till you walk a mile in their shoes, that way when you criticize them, you're a mile away and you've got their shoes!

 

Zen Peach



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  posted on 11/25/2008 at 01:56 PM
I feel like I'm pretty much the same. My 401K has taken some loss but I had rebalanced before the stock market plunged so I didn't get hit as hard as many. I've continued all savings/401K investing throughout everything and bump my 401K yearly to take advantage of additional after-50 catch-up dollars allowed. I am being more thrifty (even started clipping coupons) and have revised plan to retire at 55 (looking at 59 now to give myself time to get some necessary home improvements made and paid off). I'm in technology but work for a financial services corporation so I'm vulnerable from a job standpoint because of layoffs that have been occurring in the industry (many have been let go here but I'm told I'm safe...) If I were to be laid off my severance would include 2 years salary which would put me in that original retirement I'd planned. I'm hoping to remain employed, though.

 

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Ultimate Peach



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  posted on 11/25/2008 at 02:01 PM
I worked for a company that had never "laid off" a single employ in 51 years in business. We were preached to in training that "as long as you never do anything unethical, you will always have a job". The Auto industry takes it in the Sh!tter, and the economy struggles, and so called wonderful company starts chopping heads like its going out of style. Of course, so called wonderful company was always ruthless. They just demote you into quitting, or move you around until you get fed up and quit.

Just part of life I guess.

 

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That's right never criticize some one till you walk a mile in their shoes, that way when you criticize them, you're a mile away and you've got their shoes!

 

Zen Peach



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  posted on 11/25/2008 at 02:07 PM
quote:
Just part of life I guess.
The sucky part. Sorry you are having this unpleasant experience, peachfan. Been watching it here at my work and it just gives one a sick feeling. Many of those that have been let go here are long term employees like myself and decisions on who to release don't appear to be tied to job performance at all. Hope things turn around for you soon. And hope that Thanksgiving can be a day where you can maybe put the sucky stuff on the back burner while you and your family enjoy each other in the moment. I'll be thinking about you all.

[Edited on 11/25/2008 by lolasdeb]

 

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True Peach



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  posted on 11/25/2008 at 02:24 PM
Less shows, less driving, and bargain hunting and coupon cutting at the grocery store. Things are tight and unfortunetly I think Mountain Jam V is gonna have to be scrapped this year. First one I will have missed since it started. I just can't justify spending 5 hundred bucks after all expenses on a music festival this year. If anything I may just go to one day of the fest which would probably be Saturday.

It is a bummer, but it is what it is right now. There are many people hurting a lot more than me though who have much more important things to worry about so I will just grin and bear it. Going to live music shows is great, but trivial compared to what many others face every day.

 

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Pete

 

Zen Peach



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  posted on 11/25/2008 at 02:26 PM
One year ago today I was freshly laid off from the subprime mortgage business, living on the severance. Took working two jobs and a little under a year, but we are back to where we need to be. I'm in healthcare now and feel much more solid.

 

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Extreme Peach



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  posted on 11/25/2008 at 02:40 PM
Forgot to mention that our giving to charities has been reduced to 1/4 what is was for the previous 3 years. I think the holidays will be leaner. I pray for those out of work or facing an uncertain future. The next year will be a tough one for many. I pray it will go fast and we can all get back to less worry
 

Maximum Peach



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  posted on 11/25/2008 at 02:41 PM
quote:
I'm in healthcare now and feel much more solid.


Try a little colace, it will get you a little more loose. Hell, you're in healthcare now, it should be easy to come by!! ;-)

 

Peach Pro



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  posted on 11/25/2008 at 02:45 PM
We are neither worse nor better off from a day to day perspective as I am still working for a solid company. Like millions of others, our retirement savings took a big fat hit.

With all our troubles and challenges to our present way of life - we consider ourselves very blessed to be Americans.... I can't think of another country I'd rather live in.



 

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Well, I've wrestled with reality for 35 years, Doctor, and I'm happy to state I finally won out over it. Elwood P. Dowd

 

Extreme Peach



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  posted on 11/25/2008 at 02:46 PM
in financial terms, worse off. in relationship with God terms, much better off. instead of depending on myself, i have re-learned to exhibit faith and reliance on God. that has taken a lot of the anxiety off.

 

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Zen Peach



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  posted on 11/25/2008 at 03:01 PM
quote:
quote:
I'm in healthcare now and feel much more solid.


Try a little colace, it will get you a little more loose. Hell, you're in healthcare now, it should be easy to come by!! ;-)


I'm partial to bran muffins...

 

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"Live every week like it's Shark Week." - Tracy Jordan

 

True Peach



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  posted on 11/25/2008 at 03:11 PM
quote:
Less shows, less driving, and bargain hunting and coupon cutting at the grocery store. Things are tight and unfortunetly I think Mountain Jam V is gonna have to be scrapped this year. First one I will have missed since it started. I just can't justify spending 5 hundred bucks after all expenses on a music festival this year. If anything I may just go to one day of the fest which would probably be Saturday.

It is a bummer, but it is what it is right now. There are many people hurting a lot more than me though who have much more important things to worry about so I will just grin and bear it. Going to live music shows is great, but trivial compared to what many others face every day.





Susan has been doing the coupon thing. It really amazes me about how much she saves. She will have a coupon for a dollar or two off, find in on a BOGO (buy get one free) and she gets it all for a buck or nothing in some cases. She does a good bit of planning and scanning the sale papers and has to go to multiple stores to make it work. But all the stores are near each other anyways. A lot of stores here have been doing the double or triple coupons which with a little figuring you can come out with a buggy full of groceries at a very cheap price.

 

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Zen Peach



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  posted on 11/25/2008 at 03:15 PM
I'm definitely better off. A year ago I was getting ready to leave New Orleans, arriving back in CA the day after Thanksgiving. I've cut expenses by moving in with a roommate. I'm self-employed, and things are slow, but they've been slow for awhile.

I'm thankful to be back home, with all my stuff out of storage, and in a house. I have a great bass instructor, and my lessons are going well. Gas prices are down, and that's a big help. I've been out on a limb for so long it feels natural, and the economy really doesn't seem to be affecting me nearly as much as some others. I learned to trust God for my needs a long time ago, and He hasn't let me down yet.

 

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