Sunday, January 18, 2009

to retrench

at this point, i haven't felt the economic crunch.  i have just as much money as i did before everything went south.  

so i have two options- start saving or spend like i usually do.

1- start saving- protects me in case i lose my job.  it will mean i have money to live off of while i look for another job, which could take awhile with everything that's going on.  

2- spend like i usually do- which is good for the rest of the economy.  if i start keeping all my money, then the stores i patronize don't earn as much money, and they have to lay people off.  and its all trickle down from there. ( i realize that my paltry amount of disposable income doesn't affect anything.  but when you add it to EVERYONES' disposable income- that's when it all starts making a difference.)

i think i'm going to try for a happy medium.  not as much starbucks (for someone who doesn't drink coffee, i go in for a lot of black tea lemonades.) cut out the pedicures completely (except for the pre-vegas one i'm getting thursday night.) hour massage instead of hour and a half? ( i only get massages once every month and a half.) eat lunch in more often?   

i worry about what i'd do if i lost my job.  a lot.  more than i should.  they haven't talked about layoffs yet- but i think i should be prepared, just in case its me. 

one interesting thing happened yesterday- i was having a prescription refilled, and insurance denied it for whatever stupid reason.  the pharmacy called them- and they said, "we don't know why we're denying it, but we are."  so i asked how much it was going to be out of pocket for me to pay for it until it got straightened out and she said, "$47.08."  i usually pay $45 with insurance, so i was like, "fill it- its not a problem."  she said, "let me see if i can get you a discount on it because of all of this." so when i went in to pick it up, it was only $27."  i think its weird that i got a better deal on it through the pharmacy without insurance than i did with insurance.  again, i hate insurance.  and i thanked the pharmacist profusely.  (i'm still going to try to figure out why they denied it.)

2 comments:

Diane said...

My company just let 10 people go. They are talking about 12 more. 22 doesn't sound like a lot, but that is a 10% cutback. On top of that, there are also discussions about cutting hourly people back to 4-day weeks, twice a month. Not 4 10's.

This also means I am REALLY busy... but the running joke now is that I will be the last to go. I will process everyone's COBRA, cancel appropriate benefits, etc... and the last name to come across my desk will be mine. I am now of the mind that no one's job is safe. I'm glad I'm living rent free annnd my car is almost paid off.

Elaine said...

i don't even talk about how the economy crush has hurt me because it's depressing, but yeah...they are cutting all public sector jobs like crazy. lets hope with obama larger government = me having a job I won't be afraid to lose. especially healthcare, social services and law enforcement...which is what i freakin got a masters in.

you're lucky.