My story begins with the COVID pandemic 2020, and seems to be neverending! Due to the shutdown and slow recovery from the COVID pandemic I ended up losing my job. I was able to find a job, but for $5.00 per hour less than I was making at my previous job plus my previous job had unlimited overtime that I was taking full advantage of! Due to the fact that I had just built my dream home it became very challenging because my house was financed under my previous income . I was 52 years old at that time just building my first home, so remained hopeful that things would go back to normal and I’d be able to pull my finances back up to where it used to be. But because my mortgage payment was more than my biweekly paycheck, I started to exhaust my savings. I talked to my supervisor and was able to pick up some overtime that made it a little easier. I wasn’t able to do anything else but pay my bills, but I was still remaining hopeful.. until November 2021, I got COVID pneumonia, I was hospitalized for 3 weeks then released with a 3 months recovery. I was out of work with only a percentage of my pay. Which totally wiped out all savings and I was pretty much behind on everything after that! Because of ongoing health issues due to the COVID pneumonia I wasn’t able to pick up the extra hours like I used to. After I got well enough to where I didn’t need my oxygen tank everywhere I go, I applied for a better job that would increase my pay. I received a job offer and accepted it! Although it still didn’t match my income before the pandemic when I started, it would within a couple of years. I started this new job August 2022, I was so excited! I felt like I could relax a little and enjoy my new home! But!! April 2023 The Company that I am now working for, stopped all production! We are on short hours but still clocking in Monday thru Thursday doing nothing! I am now 55years old and terrified that if I get laid off, will I get a job that handles my debt, my savings are gone so I don’t have anything to hold me over. I did look into selling my house, which is heartbreaking! But rent in my area, is very little different than my mortgage. And my debt to income ratio has my hands tied on other options!
My take home pay biweekly is $1200, my mortgage is $1552, car $535, car insurance $110, Furniture bill $240, along with light, water, gas, credit cards, if it wasn’t for credit cards I probably wouldn’t have food to eat!
I just want any help I can receive because it’s getting so overwhelming I can barely sleep through the night. I’m so afraid I’m going to get laid off! Any help is welcomed.
Sincere Regards,
Sonjia Core – PayPal.me/SonjiaCore