No. of Recommendations: 2

Sorry to hear the news. I know you are a very frugal person and I'm sure fat is nonexistant in your budget but, $2200/month is a lot for a single person. I'm sure rent is the largest individual monthly expense you have.
I really know you'll hate this idea and, I'm sure you thought of it as well but, is it possible to break your lease and move back home until this all gets sorted out?
In any event, I wish you the best in finding a job quickly.

Idisagree with the comment from the poster that said it was wrong to use credit cards without means to pay. It is wrong to use them with no intention of paying {which isn't in the cards for you} but, it isn't wrong to use them in a real pinch regardless of employment. I wouldn't put off things like health care,food, expenses for a job hunt out of town, etc. because I didn't want to use credit cards because I had no job.
From your previous posts, I can tell you're level headed and will know when to use them and when not too. Again, good luck!

Hello there,

Of course there is some fat in my $2200 budget, but probably not as much as some people might think. Rent and estimated COBRA payments are almost half that figure--by the time you add in minimum debt payments, utilities, insurances and property taxes, food, gas, other obligations--the amount goes up. I'm already working on cutting a few things out--I already bailed on expanded basic cable and a second phone line which I used for internet, and I have a few other things I'm trying to reduce as well. The quoted budget figure also has a rather high estimate for food expenses--I always estimate my expenses a little high when faced with situations like this.

As far as moving home with M&D is concerned, that is a possible option, but really is down there in "last resort" territory because I would have to pay either 2 or 3 months rent to break the lease, plus I would have the expense of the actual move and storing my stuff. Additionally, they live pretty stinkin' far away from where actual jobs are in my area, and thus almost any job I would take in my field in this area would be at least a 45 minute drive each way. I'm not saying I'd rather live in my car than move home or anything, but it would take a while longer before things got to that point.

Finally, you are right about the difference between borrowing money without means to pay and borrowing money with no intention of repaying it. I hate being in debt, and I hate having no emergency funds, and I have been working very hard on both of those issues for 3 years now--and would have been done a LONG LONG time ago with paying off debt and saving my e-fund if I hadn't been laid off. People here sometimes try to criticize me because I don't live in a dive apartment and eat ramen all the time, but they don't have any grasp of the measures I've taken to balance my life and my financial priorities.

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