It is with much sadness I write this post to you today, Christmas, 2011.
I am the type of person who thinks she can “save the world”. I always try my best to help others. Today I ran into an old friend. For the past few years, I’ve been talking with this friend about starting her own home business. She’s my facebook friend and she sees my posts on there talking about creating an income from home. For this post I will call her Nancy. Nancy had a decent job. She was making enough money to add to her husband’s income and help make a pretty good life for their family.
Every time I even mentioned helping her create an additional income from home, Nancy reminded me that she didn’t need a “Plan B” because she had a good job and her husband had worked for the same company since he graduated high school.
It’s been about 6 months since I talked with Nancy. She told me today that things are really bad for her this year. Her husband lost his job. The company just went out of business. No notice to employees or anything. For a while they stayed afloat with their savings, his unemployment and her income. Then, about a month or so later, Nancy’s employer fired her. Because NY is an “at will” employment state, an employer can fire you at any time for any reason or for no reason. When her unemployment hearing came up, the employer came up with all kinds of BS that were the supposed reasons behind her firing, although she had heard from other employees that the company just wanted to get rid of the higher paid employees to cut costs. Needless to say, she did not get unemployment.
So…here Nancy and her husband are today with 2 kids and very little income. His unemployment barely pays the rent and keeps food on the table and the electric on. They have both been looking for jobs, but jobs are few and far between. At this point, coming up with even $60 to start her own home business is out of the question. They are looking for a smaller place because even though they get her husband’s unemployment, they make too much to qualify for any assistance from the state. Therefore, they have to move to a smaller place so they can keep food on the table.
My mother always said “Hindsight’s 20/20”. If Nancy had started her own business a year ago when she and her husband still had jobs, they would NOT be in this situation today. At this point, there isn’t much I can do to help her. She has to be willing to invest something into owning her own business. I could have gotten her started for less than $100 when they had “good jobs” and “good income”. But…unfortunately, Nancy didn’t think she needed to plan for “just in case”.
So…what is your plan? What if your “good job” disappears? What will you do? Do you have anything in place to help out? If you need a Plan B, contact me and I will be happy to help.
Today is the first day of the rest of your life. What will you do with it?