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Thread: Real Impacts of a Furlough: My story

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    Real Impacts of a Furlough: My story

    I'm worried about sharing my story because it reveals some things in my life that are personal but I want others to know that there are struggles people are facing through unexpected life situations. I hope I'm not judged to harshly for sharing some of how I've been impacted.

    I had never filed for unemployment, last week I did. It was the most crushing thing I have had to do. I am independent and proud. I always pay my bills and Iíve never asked or needed handouts.


    The house that I fell in love with and was going to make an offer on didnít happen. The sellers were devastated. They are an older couple who have lived in that house for over 40 years. The husband was a retired fireman which I really connected with because my grandfather was a DC fireman too. They had raised their family in that house and I could feel the pride and love they had poured into it.


    This will delay their move to warmer climates. I hope they find a buyer while simultaneously Iíll be sad if they do.
    I owe less than $2k on my car with only 4 payments remaining. Friday, I had to contact the financial department and request a deferment due to the furlough. They were very gracious and agreed. Of course, the loan had 0% finance, so they really arenít losing anything, but I was still relieved that they were willing to work with me.


    I took out a personal loan through my credit union last year to address a health issue. I contacted them about deferring my January payments. They were happy to accommodate me for a $35 fee applied to both payments. I was shocked and told them that I was disappointed they were using the furlough to make money. They quickly rescinded the fees.


    My savings took a hit when I was faced with rehab and housing costs for one of my sons. I take care of my own problems and Iíve never applied for federal resources to offset those expenses. Iíve always thought federal resources should help those less fortunate than me. Now I have no resources to help him right now and I worry for his life. Generally, I would have a cushion, but the opioids epidemic has hit my family hard and has basically cleaned me out.


    Iíve always been smart not to accumulate credit card debt but Iím worried that I may have to fall back on my credit cards to survive this furlough. I may have to ask my parents for a loan. Iíve only had to ask them for help on one other occasion and I was much younger, it was one of the most embarrassing times in my life. Now Iím in a situation where I may have to ask them for help again and I feel like a failure. They donít know that my savings has been depleted from helping my son. Itís something Iíve never discussed with them because I wanted to handle it on my own and I didnít want them to worry for me or my son.


    I guess I could pull money from my TSP savings, but I donít want to take any money out of my retirement accounts.
    Iím required to perform some activities for work without pay as an excepted employee and I do them without complaint because itís who I am as a civil servant. My country comes first.


    I do NOT support this Presidentís shut down as he claimed in a press conference yesterday. He is delusional if he thinks federal workers should carry the burden of these negotiations.


    I need to be paid for the work I am performing during this furlough and I need to get back to work so that I can meet my financial obligations and responsibilities that I have to others. Creditors are not going to give me a pass because of a wall. Retailers and manufacturers who depend on federal workers to buy from them are not going to understand why they are not making profits because of a wall. Contractors and small businesses that the federal government does business with will also suffer from losing business or having current work performance stopped because of a wall. Senior Citizens that need social resources will not understand why they are not receiving the care or assistance because of a wall. These are just some examples of how everyday citizens and businesses are going to be impacted by this shutdown.


    My story isnít unique. I am just one of many that are impacted by the furlough. Iím a real person who has always done the right thing financially and personally. Iíve never used social resources, but I may have to use them now because my livelihood has been cut off. This is heartbreaking and Iím angry to be forced into this situation.
    ďI'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me at my best.Ē
    Marilyn Monroe

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    Quote Originally Posted by Trish View Post
    I'm worried about sharing my story because it reveals some things in my life that are personal but I want others to know that there are struggles people are facing through unexpected life situations. I hope I'm not judged to harshly for sharing some of how I've been impacted.

    I had never filed for unemployment, last week I did. It was the most crushing thing I have had to do. I am independent and proud. I always pay my bills and I’ve never asked or needed handouts.


    The house that I fell in love with and was going to make an offer on didn’t happen. The sellers were devastated. They are an older couple who have lived in that house for over 40 years. The husband was a retired fireman which I really connected with because my grandfather was a DC fireman too. They had raised their family in that house and I could feel the pride and love they had poured into it.


    This will delay their move to warmer climates. I hope they find a buyer while simultaneously I’ll be sad if they do.
    I owe less than $2k on my car with only 4 payments remaining. Friday, I had to contact the financial department and request a deferment due to the furlough. They were very gracious and agreed. Of course, the loan had 0% finance, so they really aren’t losing anything, but I was still relieved that they were willing to work with me.


    I took out a personal loan through my credit union last year to address a health issue. I contacted them about deferring my January payments. They were happy to accommodate me for a $35 fee applied to both payments. I was shocked and told them that I was disappointed they were using the furlough to make money. They quickly rescinded the fees.


    My savings took a hit when I was faced with rehab and housing costs for one of my sons. I take care of my own problems and I’ve never applied for federal resources to offset those expenses. I’ve always thought federal resources should help those less fortunate than me. Now I have no resources to help him right now and I worry for his life. Generally, I would have a cushion, but the opioids epidemic has hit my family hard and has basically cleaned me out.


    I’ve always been smart not to accumulate credit card debt but I’m worried that I may have to fall back on my credit cards to survive this furlough. I may have to ask my parents for a loan. I’ve only had to ask them for help on one other occasion and I was much younger, it was one of the most embarrassing times in my life. Now I’m in a situation where I may have to ask them for help again and I feel like a failure. They don’t know that my savings has been depleted from helping my son. It’s something I’ve never discussed with them because I wanted to handle it on my own and I didn’t want them to worry for me or my son.


    I guess I could pull money from my TSP savings, but I don’t want to take any money out of my retirement accounts.
    I’m required to perform some activities for work without pay as an excepted employee and I do them without complaint because it’s who I am as a civil servant. My country comes first.


    I do NOT support this President’s shut down as he claimed in a press conference yesterday. He is delusional if he thinks federal workers should carry the burden of these negotiations.


    I need to be paid for the work I am performing during this furlough and I need to get back to work so that I can meet my financial obligations and responsibilities that I have to others. Creditors are not going to give me a pass because of a wall. Retailers and manufacturers who depend on federal workers to buy from them are not going to understand why they are not making profits because of a wall. Contractors and small businesses that the federal government does business with will also suffer from losing business or having current work performance stopped because of a wall. Senior Citizens that need social resources will not understand why they are not receiving the care or assistance because of a wall. These are just some examples of how everyday citizens and businesses are going to be impacted by this shutdown.


    My story isn’t unique. I am just one of many that are impacted by the furlough. I’m a real person who has always done the right thing financially and personally. I’ve never used social resources, but I may have to use them now because my livelihood has been cut off. This is heartbreaking and I’m angry to be forced into this situation.
    Quit and go find a real job.
    Call your state legislators and insist they approve the Article V convention of States to propose amendments.

    The Wall: If we build it, they will not come.

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    I would hope nobody would attack you for sharing your story. That would be an assholish thing to do.

    Did your agency provide any form letters to provide to creditors? If not PM me.

    Be careful taking money out of your TSP. If you end up not paying it back on time you can get hit with heavy fees. Also that money is not growing (or not as the case may be) with the market.

    You may be able to get a sizable loan from one of your banks that you have an account or credit card with. The interest will be fairly high, but as soon as you get paid, you can pay the loan back.

    One question that I have with applying for unemployment is the tax issue: you will pay taxes on your unemployment benefits. You will have to pay your unemployment benefits back with your salary when you get it. So will you be taxed twice? Or when you pay back the unemployment will it not include the taxes you paid on it?
    Molon labe
    Please visit my blog http://thepoliticalforums.com/blogs/peter/
    (If a post link does not work, see the archives- it should work there.)

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    Quote Originally Posted by MisterVeritis View Post
    Quit and go find a real job.
    Thank you for your feedback.
    ďI'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me at my best.Ē
    Marilyn Monroe

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    Quote Originally Posted by Trish View Post
    Thank you for your feedback.
    I am serious. There are real jobs to be had. Go find one.
    Call your state legislators and insist they approve the Article V convention of States to propose amendments.

    The Wall: If we build it, they will not come.

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    Quote Originally Posted by MisterVeritis View Post
    I am serious. There are real jobs to be had. Go find one.
    I know you're serious. I didn't take it in a negative way.
    ďI'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me at my best.Ē
    Marilyn Monroe

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    Sorry to hear that. Sounds like Peter is giving you good advice.

    You can't just blame Trump. Democratic politics works by compromise and neither side is compromising.
    Edmund Burke: "In vain you tell me that Artificial Government is good, but that I fall out only with the Abuse. The Thing! the Thing itself is the Abuse!"

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    Quote Originally Posted by MisterVeritis View Post
    Quit and go find a real job.
    Quote Originally Posted by MisterVeritis View Post
    I am serious. There are real jobs to be had. Go find one.
    I hope you remember this $#@!ry the next time you share a personal story about a health issue you have.
    ďConscientiously believing that the proper condition of the negro is slavery, or a complete subjection to the white man, and entertaining the belief that the day is not distant when the old Union will be restored with slavery nationally declared to be the proper condition of all of African descent, and in view of the future harmony and progress of all the States of America, I have been induced to issue this address, so that there may be no misunderstanding in the futureĒ

    - J. Davis

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    Quote Originally Posted by Peter1469 View Post
    I would hope nobody would attack you for sharing your story. That would be an assholish thing to do.

    Did your agency provide any form letters to provide to creditors? If not PM me.

    Be careful taking money out of your TSP. If you end up not paying it back on time you can get hit with heavy fees. Also that money is not growing (or not as the case may be) with the market.

    You may be able to get a sizable loan from one of your banks that you have an account or credit card with. The interest will be fairly high, but as soon as you get paid, you can pay the loan back.

    One question that I have with applying for unemployment is the tax issue: you will pay taxes on your unemployment benefits. You will have to pay your unemployment benefits back with your salary when you get it. So will you be taxed twice? Or when you pay back the unemployment will it not include the taxes you paid on it?
    Where do unemployment benefits have to be paid back?

    Trish, I hope this ends soon.
    Liberals are a clear and present danger to our freedom and our society and our morals.

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    Quote Originally Posted by Chris View Post
    Sorry to hear that. Sounds like Peter is giving you good advice.

    You can't just blame Trump. Democratic politics works by compromise and neither side is compromising.
    I am not blaming any one party. My reference to the President's claims that federal workers understand and support him for shutting down the government for the wall.

    As a civil servant I have the right to respond to being lumped into his claim. I do not support him in this and I would appreciate if he would not make broad statements. It's dishonest.
    ďI'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me at my best.Ē
    Marilyn Monroe

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