My boyfriend and I work hard to make ends meet for our son yet unpredictable things have happened leaving us short. Our families aren’t able to help as my mother is struggling as well since my dad died six years ago. She sold her house when the market was bad and has ended up living with different friends over the years. Our situation isn’t unique. We’re not the only ones living paycheck to paycheck, and I feel like our situation has potential to improve, but right now we are facing some hardship.
For the past year my boyfriend’s income has been somewhat inconsistent. He is a laborer for a small masonry company and we live in Minnesota so the season is short. During this last season he had a back injury that laid him up for two weeks and visits to the specialist cost each time he went and it wasn’t covered by workers comp. The employer did provide us some gift cards for necessities though. During that time he had no income as the small company he works for doesn’t pay sick or personal time. In that time we got a month behind on our mortgage. Since then we’ve been paying it, but now we are always a month behind acquiring late fees.
I work a receptionist job at a clinic so our son is in daycare which is affordable when we both work, but in the weeks that my boyfriend was laid up we had to pay for daycare without his income.
Going into the winter months my boyfriend is looking for a job that is steadier with reliable pay, but there will be a few weeks where his income is mainly unemployment. We have been unable to build up any kind of emergency funds, but I have been working small amounts of overtime at work when offered.
I applied for daycare assistance through our county, but unfortunately I make too much to qualify. We also don’t qualify for energy assistance or food stamps. That is just the struggle of many working Americans these days. I also asked my HR if there is any type of assistance through our company, but unfortunately their only suggestion was to take a loan out against my 401k, however it isn’t even that much and I’d rather try and build that up for our future.
I’m hoping asking for this money can just be a one-time thing. I have faith in us, but currently we aren’t able to dig out on our own.