Struggling with managing living expenses after losing high-paying job. What are some tips to budget effectively and make ends meet each month? 🤔💰 #JobLoss #BudgetingTips #FinancialManagement #LayoffHelp
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Do you have any savings?
Does your spouse have income?
Are the options really $0/hr or minimum wage? there isn’t anything i the middle? Have you signed up for unemployment yet?
Can you go to a temp agency and try to get placed? web development is an in-demand field, I think they should be able to get you at least temp jobs
The felony record is what is going to complicate your employment search the most, so if you’re open to it I’d try to leverage it by looking into web dev positions with nonprofits or restorative justice organizations near you (NJ is fairly progressive so you might have some luck). Look for agencies who offer alternatives to incarceration or similar programs. That felony record is a negative in most settings but would be valuable lived experience in the right setting.
Start applying for jobs that will have transferable skills. You’re probably just not applying for all applicable openings. There’s a lot of in between paying jobs between $40 hr and $15. You’re doomsdaying. You gotta get out of your head it’ll tank your chances if you’re putting across desperate vibes when you do eventually get a call back.
Look into working for smaller companies that are less likely to care about the felony. It’s going to depend on the charges and if it’s violence or not.
>How feasible will it be to sustain myself with a $15/hr job?
With two people working full time, you should be able to get by.
If not, get two jobs.
get a second job and you’re golden. kudos to you for not going crazy with the house. you’ll probably be working permanently overtime/second job till you line up a similar role but you’ll be fine.
again, i’m proud of you for being smart with that pay increase seems like it’s not that bad
Can you get your record sealed? It’s possible.
How old is the felony and is it violent?
If it’s 7 years old then don’t ever sweat it again, most background checks only go back 7 years. And if it’s NON-violent and isn’t for embezzling or theft companies will be ok with it. Working for a bank would be harder of course and security clearance will be much much harder if not impossible.
I’m in tech and a job paying 76K/year should be pretty easy to snag. They pay new hires out of college 90K+ where I’m at.
Maybe the resume needs some work if finding a job or gig has been difficult? Happy to help
If you and/or your family were dependent upon this employer for access to health coverage and necessary health care, [put your zip code here.](https://www.healthcare.gov/see-plans/) 60 days to shop post-loss of whatever that was.
“COBRA” is somebody other than the former employer paying 102% of the sticker price of whatever employer-dependent health coverage product premium didn’t get laid off when you got laid off. The average amount an employer pays toward the “cost” of an employer-dependent health coverage product premium for a still employed worker is 78% of the sticker price.
Try looking for contracting/corp to corp/1099 position.
Mortgage only 1k? Consider yourself lucky my friend
You can collect unemployment insurance in NJ for 6 months, try to look for something in the meantime. My dad has been looking for work in finance and only jobs they have are contract jobs, underpaid and all in NYC. Daily commute cost is around $60 round trip from central NJ. This market is very hard on all of us. You going to have to cut back on some expenses. The felony record is going to hurt your chances of landing a decent gig for a while, sorry to say. But you can see some retail places such as Target pays $16.25, Walmart is near $18.00 and Costco is about $19.00 but they have awesome benefits. I would do retail after your unemployment insurance runs out or look for the higher lay job like your developer job, something the jobs are out of state , you can do remote or hybrid with relocation option. Good luck
As far as the autism that your child has don’t worry about that. I’m autistic and have managed to stay in a job and keep working for years.
As far as work goes – a job is a job. Worst case scenario is to take any job that you can make money with. A shit job is better than no job.
Not sure how the market is where you live but many $30 plus hour jobs in my area with no skills.the low mortgage payment should help long term and I when I was in between jobs I was actually able to make more than that doing DoorDash and Instacart. I had my doubts but it was very doable.
I know this might be a little expensive, but have you thought about getting an attorney and expunging your criminal history?
It seems like you’ve gotten your life back together after your felonies and you shouldn’t have this as a stone around your neck for the rest of your life.
For what it’s worth my $1500 mortgage and $400 in bills are very doable with my $20 an hour job. I do a bit of overtime but I gotta do what I gotta do for now.
This is why you have a six months emergency fund when you make good money in case you are ever laid off.
It’s good that you have your mortgage paid 6 months out. That helps a little.
No you cannot continue living the way you do with $15/hr job.
You need to apply for disability benefits for your daughter.
And your wife needs to pick up some extra work..maybe babysitting other kids or Uber eats.
Edit: NVM I saw you said your wife makes money but doesn’t want to help. Yeah…drop her lol
Can your wife apply for a remote position and you do the work?
Honestjobs.com is a good resource/repository of jobs for the formerly incarcerated started by a guy who is himself a felon-turned-MBA.
Get a job they don’t really limit overtime like Amazon- there are always shifts and they are based off your availability. You just need to keep your head up and keep applying to jobs in the realm you were in.
Thank you everyone for helping me out with this. I truly appreciate all your wonderful responses. You guys have put a lot of ease on my heart with your advice! Thank you!
Get a job as a waiter and you can usually do decent in tips
I was in the same boat. Made about $40/hr as a web developer for a few years. Got laid off in October and spent the last 6 months searching. I ended up nabbing a job at a hospital in their billing department. Definitely not making as much as I used to but it’s stable while I look and the healthcare benefits are great. You should check the job boards for the hospitals in your area and play to your transferable skills
Hmm web developer. Can you start advertising your services and have your own business?
Any work from home positions available?
If you make under a certain amount ( I believe max is $55k?) your child may be eligible for SSI benefits due to their disability.
https://njreentry.org/
They will help you!!!
Go 1099, no one will care if they hire you as a contractor for a job. Learn to network, go to some meetups. Make friends, offer to help on a project a successful contractor is working on (for reasonable pay) while you learn the ropes.
Car sales! I was in your position about 4 years ago. Went into car sales and never looked back! Btw I am in central Jersey if that helps.
I don’t know how long ago your felony was but in California background checks may not go back further than 7 years. Maybe look for a remote position with the California company.
Temporary solution but maybe check out Upwork or fiver? Lot of 1099 work there. Maybe sign up to be an Uber driver or Amazon delivery driver on the event that things take longer to bounce back.
Just my opinion here:
Given your circumstances I would begin to apply aggressively to every job in the market you think you could do. Go apply in person – small business owners will appreciate this. You may not get the first job but I guarantee between application 1 and application 1000, someone will hear you out.
I would then get a second job if possible thats overnight and low activity. Think security or front desk. During this job aggressively tackle building web development projects and coding projects on github, fine tuning your technical skills, and running leetcode for interview prep. Once you feel comfortable with your skill level start applying. Reach out to managers on LinkedIn. Have a resume, highlight your projects you have been working on and tell your story. SELL THEM YOUR STORY.
I promise brother brighter days are ahead. Hustle for your daughter. You got this.
Bro first of all that sucks man. I was in a similar position before where I lost my job and had to figure it out in ASAP because I got three little kids to think about.
What I would more than likely do is take a minimum paying job and look for some online work brother. Get started with Upwork or Fiverr and get your services up there. Upwork has pretty much been my backup in dire situations and have saved my ass way too many times than I have counted.
I would tell you to look around and perhaps consider a job in construction to tide you over. Felony records don’t count for much in that trade; though it may keep you out of educational, industrial, or financial client sites.Â
Framing, sheetrock, and painting don’t generally pay well unless you’re highly skilled or fast.
As a web developer, you obviously have PC experience. You could go into networking (ie. cable runs). It’s fairly easy to do, tools are inexpensive, and it’s mostly work in the AC.Â
Those are easy bets short-term.
You were a web developer and you can’t do a simple math problem to see if a $15 an hour full time job plus your wife’s income would be sufficient to cover $1550 in total expenses? Something not quite adding up here. That’s like literally the world’s most entry level programming problem. You can solve it on a calculator in about 8 seconds.
Sorry but this reads like a rather poorly strewn together “please send me money” post including the little bit about the daughter with autism – something not at all relevant to your financial situation.
There’s no “helping each other” in marriage. You two are one. All the money you two make should be put together in the same account, and then you two make the decisions together on how to spend every single cent. In marriage there’s not “my money and her money”. It’s all “out money”.
Hello I just wanted to say good luck to you and yours and to keep your head up .. and stay positive … something wonderful will come along
Remember in the worst situation you can always do Doordash/Uber etc if you have a car, that will give you some income and time flexibilities when you are job hunting.
While you look for a more permanent solution, serving is always a good option! I serve and usually end up evening out to about $35ish an hour only including tips. Serving also has really flexible hours, which is awesome! My monthly finances cost me around $2000/month and I haven’t had any issues yet.
I’m a felon , I’ve been making $25-$50 hr bartending for 14 yrs . Maybe you could wait tables or something that can be flexible so you can take time to look for a better fitting job.
Your a web developer…. Go on fiver and start selling web design services… yes it may be difficult to find a new job with a felony but not impossible, you did it before. Start applying to every web dev job on the market and start doing work on fiver or another site like it. It’s just $40/hr, you can easily do this and make even more if you use your existing skills and start pivoting a bit.
I’m a developer. The main issue I’d look out for with taking an unrelated job is that our field moves fast and a 1-2 year break could make it even harder to find work. I’d definitely focus on smaller companies, a felony will get flagged on a background check at large companies. Don’t give up it’s a great career. Good luck.