@Happiness Is Inside JOB wrote:
@ScarletDove wrote:
As a retired fed employee at HHS/NIH, I learned that one of the ways to protect myself was to understand that govt shutdowns take place. I learned to put money aside so that I would have a couple months available to live on in case of shutdown. Well I was in the one in the 90's that lasted through the holidays. We eventually were paid, but for those of us who saved up "use or lose" leave, we were on leave when the shutdown took place. We too were able to recover the leave used while govt was shut down and the recovered leave was rolled over into the new year, but had to be used up by end of that year. This smart decision helped me plan for my future retirement...and it worked!
@Happiness Is Inside JOB Your post showed you are smart rather than whining and crying about not being paid...as a fed employee, one must be smart enough to anticipate govt shutdowns and plan ahead.....
Well honestly, I'm not that SMART, or I would not have high credit card debit. I am just lucky that I have a spouse who is not a federal employee and not a contractor so he is still getting his salary.
I have coworkers who are living check to check or supporting parents and a large amount are raising grand children due to various situations. I'm just lucky that I have a spouse.
I decided NOT TO TOUCH our savings about, I called the mortgage company and alerted them of the situation. We have never had a late payment and they mentioned a forbearance option. I accepted so I don't have to make any payments for now. BUT the account must be current by July 7 2019 with no interest and no penalty.
What is a forbearance -
Forbearance may provide temporary payment relief to assist homeowners dealing with a job loss, disability, illness, a recent disaster, divorce, death of a wage earner or other unique circumstances.
SO my plan is when I do go back to work, then when they give me the back salary I will pay the mortgage.
You ask WHY. Because I undestand myself and know that once I start taking out large lump sums of money it is hard to put it back.
My initial plan was to take money from my savings account but I decided that I'm NOT GOING to take money out for this reason. This is not MY Fault and I won't penalize myself for this situation.
@Happiness Is Inside JOB I did not have a spouse at the time when I encured shutdowns due to divorce...I was on my own, was recovering from debt left me by the divorce and paying off those debts which took about 5+ years, eliminated all credit card debt, completed the mortgage in '97 and had no help but for myself and my frugality....I learned that from my parents so I guess I had been programmed to look out for myself. Had 2 adult children during that time. I started a small side business as a seamstress for extra money during my financial recovery from divorce, and thankful I saved money once the long shutdown happened.
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