How To Climb Up When You've Hit Financial Rock Bottom

I was on hold for over an hour…no one was picking up.  I had the phone on speaker so I could work on other things, but I was a little taken back by how much effort it took to get someone to help me.  I was applying for the Snaps program, ‘Food Stamps’, state aid to feed my children.  It was awkward enough as it was and I just wanted to get it over with, but instead I had to wait. Was it this difficult for everyone?

I had just resigned from my job and had next to no income while I took a couple more classes to be eligible for a license in professional counseling.  My father suggested I apply a few weeks prior and I nearly scoffed at the idea. I didn’t see how I could apply for aid, I made a choice to leave my job. I chose to reduce my income temporarily.  I chose to take a risk in hopes it would give me a greater gain.  I didn’t think I earned the right to ask for help.

His view was that that was what the program was for...temporary help to get by. And more importantly, it wasn’t just about me. I had two children I had also made a choice for.  They had to live with my risk and decision.  For that reason alone, I decided to apply.  I made a decision to live without, but they had not.

Lots of paperwork, several more hour long phone calls, an interview and escorting my pride out the door awarded my children a monthly allowance of financial food aid.  I was not personally awarded aid initially since I had made a choice to leave my job, but my children were not penalized for my choice.  Somehow, that made me feel better.

As my bills rolled in and my income did not, I was incredibly grateful for the help we were given.  And yet, I found myself uncomfortable every time I was at the grocery store checking out.  Because of that, I swear, my card didn’t work and the cashier would have to override and punch in the numbers several times often asking if I was sure there were enough funds available. I was sure. I kept careful track. And I was embarrassed, every single time. 

I reminded myself that it was me judging myself. It was me who didn’t feel deserving. I wasn’t doing anything wrong and asking for help is more than okay.  But I still squirmed. I still questioned what they thought of me.  Keep reading...

Making A Big Decision When You're Not Sure Which Way is Right

Over the last two and a half years I have made some big changes in my life. And by big, I mean enormous.

First, I moved with my husband and our children from a home I loved for ten years. Shortly after, my husband and I ended a twenty-year relationship and marriage. With that separation, I made the decision to buy the house we had moved to, which on paper, I shouldn’t have been able to buy.

Apparently ending a long commitment and beginning a large financial one on my own wasn’t enough for me though. The following year I resigned from a secure job to pursue a dream I hadn’t fully envisioned and started a business without projected goals.

When I list out all the changes, I start to question my own sanity.

I have never been one to make quick decisions, especially ones that I hadn’t thought through. I was raised by my father, a self-proclaimed workaholic, who spent his career as a high powered executive for a high risk industrial insurance company.

I was not bred to believe in taking chances, to live on instinct alone, and to leave anything that resembled security. You just don’t do that. But something was stirring in me that kept me unsettled.

I knew it was time to make changes, and I knew those changes were absolutely not guaranteed to work in my favor. I was scared—no, terrified—to alter the course of my life, but standing still gave me even more anxiety.

How do you make the decision to change your entire life and know it’s truly right for you?

I have a secret, one that I’ve used consistently in recent years when making decisions that weighed heavily on me.

It’s a technique that simplifies the agonizing back and forths of “should I or shouldn’t I?” One I wished I learned when I was younger to ward off some major bouts of indecisiveness and internal torment. Although in retrospect, I would not have been ready to use it until I was actually ready to hear it....Keep Reading