Recent events have made my job more vulnerable than I ever expected it would be. Though I am a government employee, I do not have civil service protection as most others do. This means I can be terminated at will just like everyone else in the private sector. The appointment list I am on would provide a more secure position but alas I am stuck on the list hoping for a position at this point. (Budget cuts and workers of retirement age not retiring are the source of this problem BTW).
So what do you do when what was supposed to be a recession-proof job is no longer safe? You look for other jobs of course. I've been doing that and I don't want to get off the path that I have charted for myself but I no longer have the luxury of being as picky as I used to be. Also I have started to think about what would happen if I was forced into unemployment.
Here's the numbers:
I currently earn $2270 a month, more in the glorious 3-paycheck months.
My fixed expenses are:
Rent - 725
Utilities - 90 (assuming continuation of Payment Agreement)
Cell - 65
Student Loans - 406
Collections - 385
Credit Card Minimum - 15
Total fixed expenses = $1686 a month. This is assuming No Groceries, No Hobby, No Savings, and No Debt Payment to Boyfriend, etc.
The maximum unemployment benefit in New York is $405 a week, for a total of $1620/month.
Once I am unemployed, I could defer my student loan payments, thus bringing my total monthly fixed expenses to $1280, giving me a meager but manageable $340 a month for food, clothes and other necessities. But wait, not so fast! If I were to become unemployed I would need to start paying COBRA health insurance which would be at least $400 a month!
So I'm sorta freaking out right now. I won't know what the future will bringing for at least a couple of days and at most a couple of months but the numbers speak for themselves: I cannot afford to lose my job. Period. I will literally have to take ANY job that has health insurance and pays more than $420 a week. Sigh.