Sad

[Christian Mother]

Hubby was layed off today from his office. 12 yrs as a Production Manager.

I am still trying to recover from the shock...I think I am just numb. I am half scared out of my wits. How do I tell all my parents this?

Right now my husband is lining up side jobs. We are looking into Cobra. He is going to get in touch with Access.

AZ is the worst state (3rd) for unemployment. He is able to get that since he was layed off plus his 3 wks paid vacation. But I'm scared.

We will most likely have to file bankruptcy and let everything go. I can't even think about keeping this house as it's a community home and the houses are all becoming rentals. Our house has depreciated so much since the fall of the market. I am just so worried!!

What would you do about talking to the parents? Would you tell them right away or would you hold off. On one hand I would like to talk to all my parents and let them know what is going on but also explain that we are going to do everything possible to be here for them and the kids. To please have patience while we get through this...? I worry that if we end up renting a house that the renters will not allow us to run a daycare out of it. If we decided to keep the house but get rid of everything else we might be able to stay a float.

[Michael]

Sorry to hear that. I have several friends that are going through the same thing and given up the house mortgage and have rented instead. I hope things get better for you soon.

[laundrymom]

Take a calm deep breath. Is there any way you can make it on your income? I'm talking get rid of tv phone anything extra. Just paying for basic housing bills. ? Also check into private gap insurance. My dh has been laid off 6 times in our marriage. We only carried cobra when I was preg. We got private INS for $260 a month at other times. It didn't have maternity or well checkbox but er visits and sick visits. Look into that. Check several companies.
Here it became a game of creative cooking. We would try to find new exciting recipies to save money. We learned to hand roll tortillas, we cooked beans from scratch, made due with what we could. This was when I was running at 1/3 capacity. It was then that I decided to make my business as marketable as possible. I became better trained, I got into our levels program. I networked everywhere. I went ( still go) to every training I can offered by my local r&r. I got my face out there to make darned sure they remember me. As a result I run full enrollment, 130$ week with ten enrolled plus food program. It can be done. Now my dh is working skilled trades maintenance( welding, pipefitting, electric, fabbing, etc. ) and just finds another factory every few years when they close or lay off. Take a deep breath. It will work out.

I would just tell your parents. " hey dh was laid off yesterday, he is in ***x field if you hear of anything please let me know. We are trying to keep things the same here with the daycare and everything but you may see him around more often. "

Good luck. I truly mean it.

[Kaddidle Care]

I am so sorry to hear this. Scary indeed. You still have unemployment and your clients don't have to know your personal business so that's entirely up to you.

There are also debt forgiveness programs for those unemployed - don't be so quick to give up the house. There are many that live up to a year in foreclosure. Banks don't want houses now - they have too many as it is.

I'm sure there are websites out there - probably something like unemployed.comor org. There's a website for everything.

You are the sole supporter now so don't be too quick to tell your clients that you may be closing up shop. They don't need to know right now.

[momofsix]

I'm so sorry. No advice really, we've been pretty broke at times and there are ways to adjust (Laundry's got great ideas) I too wouldn't be quick to get rid of the house-depends on how long you've been there, how much you've got into it financially etc.
I know you already know this, but here are some verses to look up for encouragemant:
I Kiings 17
Psalms 37:25
Jeremiah 29:11
Matthew 6:25-34

Hugs to you as you struggle through this tough time with your husband and family.

[Pammie]

(((hugs)))
I'm sorry that your family is going through this now. I can totally relate, as my husband has been laid-off (Effectively terminated with company restructuring) 3 times in the 24 years that I've been doing daycare.

It is scary, but I would caution you not to say anything to your daycare families that might cause them to feel unsecure about your daycare and leave - since you are the main financial supporter of your family at the moment. (But I'm BIG on keeping my personal life out of my daycare clients' business Each time that my dh was laid-off, I never told any of my clients. They never asked...thank goodness...because I needed their income.

I would suggest (as PP suggested) to use this time to ramp-up your daycare business - enroll to capacity, make your program stand-out to retain/attract clients, take as many free classes and seminars that you can to learn more about being a daycare provider.

Just know that you're not the only ones having to go through difficult times like these.

One of my favorite sayings is, "It all turns out right in the end - and if it's not all right - it's not the end"

[Cat Herder]

I am so sorry to hear that.

[B Lou]

I'm so very sorry to hear this. I will keep you and your family in my thoughts and prayers.

[cheerfuldom]

do sorry to hear this. I would not tell the parents quite yet. You are still recovering and figuring out options. Another money saving idea is to get into coupons for shopping.....I have only been doing it 3 weeks and already cut our grocery bill down by 40%

[SilverSabre25]

(((HUGS))) I know the feeling---we're facing this right now. ONe night back in April my DH came home with a letter that he's being laid off effective December 16th. He'll be getting severance money and we had advanced notice, so we're lucky. I thank god everyday that we are this lucky. He's good at what he does and he's been there for 5 years (this was his first job out of college). The job market around here ****s though and all he can hope for is another similar job.

It was several months before I told ANY of my dcps. It just didn't come up and wasn't important. They all understood when I did tell them. One dcm might be our ticket to a good job for DH at the company where she works. So, I definitely think that telling the dcps isn't a problem. if you do it just matter-of-fact--"Hey, just FYI DH is going to be around a lot more for awhile because he was just laid off. If you happen to know anyone who might have work, please let us know!"

[momma2girls]

SO sorry to hear of this!! Good luck to you and your family!!

[Country Kids]

I am so sorry and know exactly what you are going through! This happened to my husband the first of this year. He did have a four month notice but still it happened, made front page news as the company that he worked for closed the facility here. It was the 4th big employer to close their doors here in our town. Between all 4 companies probably around 1000+ people lost their jobs. When our Costco opened 3000 people showed up for a 100 positions they were hiring for. Our area is the #1 area of unemployment for our state.

We had made it so I could work minimal part time for about 4 years and now I was faced going back into childcare full-time. I think that is why it has been hard for me this go around-I love my job but was thrown back into it high gear. The good Lord blessed us and I went from 1 child to 6 in a matter of 3-4 months.

Do tell your parents! Your husband is going to be around the house probably alot more and even if he isn't out around everyone they will probably see his car there. I let one of my new parents know about the situation and within a week her company was interviewing my husband. I think he actually met with them a few times but they didn't have the position available that he needed.

Luckily my husband was only laid off two months. Landed a wonderful job in a completely different field. Took it by the horns and went for it and is making a name for himself there. So encourage your husband to look everywhere in every field, not just the one he knows.

My husband had been with his company 17 years and worked his way up into management so starting over is not fun at all.

If you need to talk or have any questions please feel free to pm me.

[morgan24]

What a shock! I would take a few days and let the shock wear off before you make any decisions on which direction to go. Laundrymom had some great ideas to help keep ahead.
Hope everything works out for you and your family.

[CheekyChick]

I am so sorry to hear this...

The LAST thing I would do is tell my parents. The money you earn is basically all you have right now. You don't want them to jump ship because they think you're closing - when you may not have to.

What about adding more children and have your husband help you until he finds a job? When he finds a job, you can either let a few families go or hire an assistant.

Just pray and know that this WILL work out.

[beachgrl]

So sorry you are going through this and best of luck to him for finding more work quickly...I personally wouldn't tell the parents until absolutely necessary in the event that major changes will take place or you have to do something else. I would try to do what I could to keep costs low and manage until hubby found something else.