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You've been out of work for a couple of months, but obviously now is no time to sell the house.    So you'll continue to make the payments as long as you can, especially in this market.

The car is leased or not yet paid off and you have to get to interviews and in today's environment public transportation to a job may not be an option.    Anyway, you don't want to start taking the bus or train when a better situation is probably just around the corner, and the neighbors will notice the Camry is gone.

In today's world, how can you live without a cell phone?    A haircut?   An internet connection?   A clean pressed suit?   A couple beers with the crew after a hard day on the job site?   Paper towels for the kitchen, heck toilet paper for the bathroom?   A small gift for the kid's birthday?   A coffee at break time?   Money for the school field trip?   License, registration and auto insurance?

So, you're going to pay the rent, you're going to keep the car, you're going to pay the cell phone bill.    Do you think you want the neighbors seeing the electric is off?   I don't think so.   And, as things don't improve for months and months, you're going to max out the credit cards and home equity line of credit.  

In retrospect, you're going to see that it was time to stop the hemorrhaging of money long ago, but you didn't do that.    You couldn't do that.   Where would you move?   How much would that save?   Are you underwater on the mortgage, ditto the car loan?   

Whether it's looking for a job equal to, or nearly equal to the one that's long gone, or running in the right circles to get that job, appearances are important.    The fear is if you're seen as a loser now there's no going back.   Sadly, employers appear to be embracing this thinking as evidence continues to show that older workers and long time unemployed workers are being discriminated against.


Nice Spread:   The Odds on You vs. Food

Sustained under or unemployment, yours or that of your life partner, or any other significant decrease in income is certainly the most obvious way to find your tight budget has you looking for your next meal.   But it is not the only way.

Case in point:   Paul, a postal worker, and his wife Amy, a part-time housecleaner and full-time mother of six.  

On paper, Paul doesn't look like he belongs on a breadline.    He has a solid employment history, 23 years with the United States Postal Service.   His wife not only raised their children, but supplemented the family income.   He has always had a government medical insurance plan for the entire family.   With $52,000 of earnings in 2010, you would think he would be at least lower-middle class.

Paul's family, formerly of Queens, NY, moved to south Jersey two years ago to get out from under an oppressive and ever escalating rent that ate up nearly half of their family income of $62,000 per year, $2,500 per month when they left, utilities not included.

There were other reasons to move as well.  Two of Paul's children have learning disabilities.   So it made sense to also look for a good school district that could meet their educational needs.   The move to a two-plus bedroom garden apartment in Mount Holly, NJ at a rent of $1,300 per month looked like a smart thing to do.

With a little luck, Paul could make a swap transfer to a post office in New Jersey without losing his seniority.    But the recession and luck was not with them.   Housecleaning work in New Jersey has not been plentiful for his wife.   The hoped for transfer has yet to materialize.   And, Paul is spending $400 a month for a 2 hour commute to Brooklyn, NY on a commuter bus, then the NYC subway and then a second bus to main post office.  


Peanut Butter, No Jelly - Hope Mobile by Chaz Valenza


In New Jersey they also have a car expense.    Paul tells me he is not a regular food pantry client, but the children are getting older and eating more in their teen years.   At just over 130% of the poverty line, Paul's family is not poor enough to get food stamps.   They are well within the 185% of poverty qualifier for food assistance.  

What happened?    Did Paul and his wife have too many children?   They were all born by the year 2000.   If their income was as little as $40,000 per year 11 years ago, they were no where near living in poverty.   Just ten years later, with only a slight decrease in income and their efforts to decrease their housing expense, they are no longer getting by.  

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Chaz Valenza is writer and small business owner in New Jersey. He earned his MBA from New York University's Stern School of Business. His current feature film project is "Single Point Failure" an insider's account of how the Reagan Administration (more...)
 

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There was no where to really put this in the story... by Chaz Valenza on Wednesday, Dec 22, 2010 at 2:14:28 PM
greed of the ruling elite pushes the masses toward... by Mark Adams JD/MBA on Wednesday, Dec 22, 2010 at 2:16:51 PM