losing a job Archives • Bitches Get Riches

3 Times I Was Damn Grateful for My Emergency Fund (And Side Income)

October 13, 2020January 9, 2022 Piggy 20 Comments

Here at Our Lady of Financial Solvency (AKA the church we definitely didn’t start exclusively for that sweet, sweet tax-exempt dark money), there are two ways to be Saved:

Having some kind of emergency fund.
Having multiple streams of income.

An emergency fund is, of course, a lump sum of cash you set aside for emergencies. Break your leg? BOOM, emergency funded. Break your phone? BOOM, emergency funded. Break your heart? Sorry kid, no amount of money can fix that break. But you’ll still be glad you saved an emergency fund if your brokenhearted ice cream binge cuts into your rent payment for next month!

Having multiple streams of income means that in addition to your day job, you’re making extra money on the side. Whether it’s through a second job, selling shit on Craigslist, or passive income from investments, having that extra income stream means that you won’t be left high and dry if your primary source of income goes away. And in the meantime, you can do with that extra money whatever you damn well please.

Our church is built upon these cornerstones for the literal reason that they will save your fucking ass in the event of an unforeseen disaster. For without them, you will have nothing to save you if you wind up with an expensive emergency, landing yourself squarely in the Ninth Circle of Debt (if I may stretch this recovering Catholic’s metaphor to its absolute breaking point).

So I am here to testify to the importance of emergency funds and side gigs! Bow your heads and listen as I tell you my tales of being grateful af that I had an emergency fund and an extra stream of income at hand.

Let us pray…

I Lost My Job and It Might Be the Best Worst Thing That’s Ever Happened to Me

July 7, 2020January 9, 2022 Piggy 55 Comments

Two years ago I was celebrating leaving my job of nearly nine years at a nonprofit publishing house and finally going corporate. I was riding high and making more money at a large, for-profit publishing house, working remotely full-time and generally kicking ass. It was the shit. Aaaaand then I lost my job.

Sad trombone.

Kitty dropped the news during our coronavirus article blitz. And I’m honestly glad she did, because it saved me the struggle of deciding to pull the trigger on telling you all. For some reason I’ve been too… ashamed? Embarrassed? Afraid? Feeling hypocritical? Emotionally stunted???

There’s a reason it’s taken me a few months to write this article, even if I don’t yet understand what that reason is. Clearly I have a lot of thoughts and feelings to process about how I lost my job. So let’s get with the processing.

Dafuq Is Unemployment Insurance and How Do I Apply for It?

May 5, 2020September 2, 2022 Piggy 14 Comments

As we’re living through The Plague Times, a number of topics have really jumped the writing queue for your humble Bitches. And thanks to the massive wave of job losses, one of the more urgent subjects is, by necessity, unemployment insurance.

As it happens, I’m currently a bit of an expert on unemployment insurance. I’m not just a spokesperson… I’m a member! After losing my job this spring, I applied for and received unemployment insurance from my state.

The process was tedious, long, stressful, counterintuitive, repetitive, and obnoxious. But it worked. And now I’m here to walk you through it too. Because misery fucking loves company.

But before we begin, a note: The UI I’m receiving isn’t completely replacing my lost income. Like everyone on UI, I’m applying for jobs like it’s literally my job. Yet available jobs are pretty thin on the ground until the country opens up for business again.

My bills are still getting paid, due mostly to the generosity of BGR readers. Consider donating to our Patreon if you’re so inclined. It comes with spiffy rewards and our eternal gratitude, which by itself is worth at least $2.65!