Before I start, I have to let you know that I am anything but ordinary. So are you! There’s not one person in the world who’s experienced the same honors and tragedies; joys and heartaches; failures and accomplishments as we have. No one. But most of us are still considered to be “ordinary people.” Are we in danger of eviction? You may be surprised.
According to a study given to Americans, less than 1/3 are prepared for a financial crisis and a third have no savings. Seriously, what would happen if someone on the freeway got a bee sting and went into shock, taking a bunch of automobiles with them – yours included? Fortunately, you aren’t dead, although the financial wave of crisis ahead may force you to consider whether you’re so lucky after all. Even with insurance – while vehicular insurance pays financially after an accident, they can’t make up for the bodily damage. Changes are good you’re forever impacted.
Let’s face it, no matter how much you recoup in damages, replacing your body parts will never be the same. AND the house payment, the car payment, the credit cards and loans, as well as any other tidbits of insurance, utilities, etc. aren’t always willing to wait. The harsh part is companies need to ensure the funds are produced for the products that have been purchased – the end. Companies seldom consider the consumer and the emergencies they’ve encountered.
Don’t be fooled into thinking that if you’re a cautious driver, you’ll be safe. Typically speaking in a freeway pileup, one vehicle’s driver fell asleep, was drinking, talking on the phone, or any other distractive calamities. And car accidents aren’t the only causes of hardship. Sometimes tragedy strikes with a vengeance taking our finances and a loved one away simultaneously. In these such instances, counseling is just as important as finances. Without writing a book, there are far too many situations to list them all.
The point is that any type of income, or lack thereof, can cause hardships. Loss of a job is another. And experience in today’s world doesn’t hold a candle to youth. Technology is changing at such a rapid pace that no matter the skill, you’ll have to upgrade to get the job. Ever heard the saying, “You can’t teach an old dog new tricks?” Believe me, you aren’t the only one. There are a lot of companies that feel the same. I can’t tell you how many applications I’ve filled out that asked me if I’m over 40 years old. Sure, I’ve got more stuff in my cranium that needs to be worked around – but I’ve also extensive real-world experience in dealing with people in general.
As I was saying, there are many reasons people must survive with temporary financial setbacks, including an ex refusing to pay child support. Think about what must be done when he ceases payments? Every time it’s the same old thing – no penalties to him. No hardships. And now, the time has come where it’s costing the livelihood of your children.
Here are several places I was able to dig up, although there are more available, found by searching the web. Although these are located in Utah, some of them are nationwide and can help with food, utilities, healthcare needs, housing, finances, credit counseling, legal services, public assistance, and/or support groups. Take some time and be patient.
- Utah Department of Workforce Services: https://jobs.utah.gov/assistance/index.html
- Utah Community Action: https://www.utahca.org/housing-case-management
- Community Action Partnership: https://www.communityactionpartnership.com/
- The Salvation Army: https://www.salvationarmyusa.org/usn/
- Questar Dominion Energy: https://www.dominionenergy.com/
- 2-1-1: http://www.211.org/
- Netwish: http://www.netwish.org/index.html
- Modest Needs: www.modestneeds.org
- Suicide Prevention Lifeline: https://suicidepreventionlifeline.org/ 1-800-273-8255
- United Way: https://www.unitedwayoc.org/
Dave Ramsey (future prevention): https://www.daveramsey.com/blog/quick-guide-to-your-emergency-fund
There are places and resources you can utilize to help you cope, although they won’t always work. Still, it’s worth it to check into them. The fact remains that when given the notice to vacate, despite the three-day-notice, you have longer to find a solution. Check your local government to determine what it is for you. This means you have more time of which you may not have been aware. You may be able to work a part-time job, find assistance from a church or other establishment, or locate another additional means.
- Scour your house to find items to sell (after all, you may not have them at all soon)
- If you are a photographer or artist, create and sell online
- Write an eBook about things other people care about that may help them
- Start a dog-walking business and offer your services to people you know
- Buy low-cost items at yard sales, even jimmy the cost down, and resell on Facebook, KSL, or other free advertising outlets
- Brainstorm before you go to bed and see what happens when you awaken (sure, you may have restless sleep, but the answer may be right under your nose)
The point is that no matter who you are – if you are not investing in additional outlets, or you’re simply live paycheck to paycheck like the majority of our country, what will you do when something comes up, “ordinary person”?
My advice is to take a chance and start something now, before the crisis, to prevent it from happening at all. Many times the actions of someone else, completely out of our control, impact us in ways we cannot anticipate. You can do this. You are not ordinary. The fact of the matter is, you’re quite an extraordinary person. And you have ways of figuring things out you never thought possible. So, dig deeper! Share your insight!