We have not had credit cards for over ten years and much to the dismay of those we share this with have not needed them.
That said, we are now feeling the pinch and while there is no need yet to panic we are starting to examine our situation and consider where else we can adjust, be it cut out or bring in more. Trouble is, there isn’t much wiggle-room; we’ve pretty much cut everything to bare bones and frankly there aren’t any jobs that are taking on new hires. I teach college and before summer had enough classes to teach to bring in an adequate income. The summer was lean but I expected fall to pick up. Not so; enrollment is down so I’ll be lucky to come away with two classes, which isn’t enough to matter. I have a couple of contract prospects but nothing has been finalized.
Where’s the money going to come from? Our biggest expense is our house payment, as it is for most people. After contacting our mortgage company we discovered that according to them our financial situation is not dire enough to warrant a reduction, even a temporary one in our payments. I am not one to get cynical and point the blame but really, would they rather we become one of the many desperate people instead of giving us a leg up? Their unwillingness to help, other than to say, “Perhaps one of you can get a second job? How about asking the church to help?” is offensive.
My belief in living on land and becoming virtually self-sustaining is even rubbing off on my husband and he’s figuring out just how we can manage it and live as debt-free as possible in the coming years. All those books on my shelf that I’ve collected over the years: Putting Food By (Janet Greene, et al) and Producing Your Own Power (Carol Hupping Stoner, among others, are going to come in handy is my guess.
It's been my secret wish to live like this all along. I long for the days when we lived on farms, produced all our needs required: food, soap, labor that I find myself somewhat grateful for this opportunity to put my dream life into practice.
I'll let you know how we are coming along. In the meantime, best wishes to all of you in keeping your heads above water during this uncertain time.