Monday, October 21, 2013

Unemployment (it's not just for beer and cigarettes)

Let me introduce myself...  I am the newest member of the entitled.  I am the newest member of the unemployed collecting money from the government (and me, 'cause I paid into it while I was working) and you hard working individuals out there.

This experience is teaching me so much.  I can now look at this experience from both sides.  I have written about about people willing to take money from anyone that will give it to them, instead of working, in this blog.  I've written about my lazy tenants and the lifestyle of welfare, unemployment and crime they have cultivated on the backs of hard working people in this country.  And now I find myself collecting money every week because I no longer have a job.

I will tell you... it seems weird.  I'm getting paid for looking for a job.  I am required by law to apply for, no fewer than, two jobs per week.  I am required by law to keep a log of every job I apply for.  According to my state's DLLR this log can be required for submission at any time during my term of receipt of benefits and up to two years after my benefits end.  I'm going to tell you...  I have a difficult time believing that many people collecting benefits actually keep this log.  I mean, it's sort of like taking a class and having homework assigned every week, but the homework is never collected or checked and you are going to get an "A" in the class whether you do it or not.  But, because I'm such an ISTJ, I'm applying for jobs and keeping the log.  It's just the way I roll.

Ok, I know the title of today's blog is a bit snarky.  I know people collecting unemployment don't use their benefits for only beer and cigarettes, but let me tell you, the government makes it easier to use the benefits for beer and cigarettes and more difficult for using the benefits to pay your mortgage or rent.  Seriously.

Here's the story.  When you are approved for unemployment benefits my state sends you a debit card and my benefits are loaded on to this debit card and I can pay my bills with this debit card.  This may work for many people or some people or people that don't want to maintain a stellar credit rating, but it isn't working for me.

First of all, my mortgage company does not take debit cards.  So, I cannot pay my mortgage unless I go to the ATM or the bank and have the money transferred into cash or deposited.  Both of these transactions will incur a charge onto the debit card.  POOF!  Money disappears into a charge I would have never paid had I been getting paid by direct deposit into my checking account the way I was getting paid when I had a job.  I HATE paying service charges when I don't need to pay them.

Secondly, I LOVE paying my bills with my credit card.  I pay my bills with my credit card for two basic reasons.  Because I pay off my credit card completely every month, my credit is stellar.  If I ever need a loan for anything, I have no difficulty obtaining said loan.  AND, I use a credit card that allows me to accrue points for free flights.  The more money I put on the card, the more points I accrue for free airfare.  I look at this as a "win/win" situation.

Maybe I'm not the typical recipient of unemployment benefits.  The few people I've told that I'm collecting benefits have all been quite surprised.  I guess they thought I didn't qualify.  That's funny to me.  After all, when you are fired from a job for no reason at all, one qualifies for unemployment.  This is just the way it works.  And, by the way, it's not going to be easy for this 56 year old woman to find work out there.  After all, most of the work in the area I live has been affected by sequestration, furloughs, and government closures.  It's tough out there.

I am learning so much, through this experience.  I'm learning that this program, and the limited checking into job search activity, may make it easier for people collecting on this program to become lackadaisical in their job search.  AND, more importantly, I learned that I could call my state's DLLR office and have my benefits deposited directly into my own personal checking account.  YAY!  Now I can pay my mortgage with my unemployment benefits.  I'm so happy.


511.  My back is all better.  (I tell you, the secret to living well into old age is to NOT FALL DOWN)
512.  Spending time in the book of Acts and the gift of Christianity to Gentiles
513.  OCR programs
514.  The cool crispness of fall
515.  Netflix documentaries (yeah, I watch too much tv)
516.  Crawling out of the depression that comes from being fired
517.  Clear blue skies
518.  Making lunch for my husband
519.  Learning to be quiet at home (no laughing out loud)
520.  Having the energy to entertain friends on the weekends

5 comments:

  1. I hope your job searches prove fruitful soon! #514 - we're getting there.

    ReplyDelete
  2. hey its good to have it when you need it...
    been there looking for work and its def not easy at all....

    ReplyDelete
  3. I'm praying you find something that you LOVE! In the meanwhile, enjoy life!

    ReplyDelete
  4. I know you are in a tough situation -- and your honesty is refreshing. Prayers for a great job to come your way soon

    ReplyDelete

Comments from my readers bring sunshine to my day. They make me so happy.