Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Tuesday, March 29, 2011

Gloom, Despair and Agony on Me

I've hit a wall in my job search.

Really.

Hit. A. Wall.

Hard.

The two-year job search is finally taking its toll.

'Bout time, you say?

Uh-huh. You're probably right.

It's been 25 months of job search and 17 months on the dole.

I'm exhausted.

I'm sick of it.

I'm really annoyed with the whole process.

After hundreds of résumé submissions and job applications—thousands if you count all those generic e-blasts sent to recruiters—and countless hours of work and networking, I've reached the end of my energy.

As we say in the South:

I'm plum tuckered out;

Worn to a frazzle;

Slap-dab sick of the whole dang thing.

The irony? I'm starting to get interviews for the first time in ages.

Two weeks ago, I had a real in-person interview—only the fourth dress-up-and-go situation since this nightmare began. Sure, I've had numerous phone interviews, but can you believe that in 25 months this was only the fourth actual look-'em-in-the-eye event?

A lot of good it did to pull on that tummy-tucking-feels-like-cast-iron-even-though-it's-spandex thingie (dare I say "girdle"?), style the hair, drive out of town for hours and stay overnight. As usual, the lucky winner is not this girl. Instead, they chose two internal candidates to move forward in the process. I've lost to more internal candidates than I would like to think about.

We interrupt this blog post for a rant:

Why, time after time, do companies, post jobs, hire recruiters, get applicants' hopes up, when all the time the person who'll wind up with the job is already sitting in the company's office at the time of the posting?

Sometimes they think they can "do better" but, c'mon, how encouraging is that to the internal candidate who ultimately gets the job?

Most of the time, it's about money. They suddenly realized they can save thousands by not paying the recruiter (And if you think I'm ticked off you should hear what these recruiters have to say! They usually only get paid if the company hires their candidates). And, internal candidates play right into their hands—they're happy for a promotion and a raise (never realizing it was probably far less than they would've given an outside candidate). Besides, companies score financially, too, when they don't have to move anyone in from out of state.

Even if they hire an external candidate for the position vacated by the recently promoted employee, they have just pushed the real opening lower down the experience ladder and salary scale.

And, yeah, I've tried to get the lower position too. The response? Over-qualified.

I get it, you cheapskates, I get it. Really, I do.

But, in the name of all that is holy, must you disrupt the lives of innocent applicants who don't know this? Must you put us through the agony of going in for a job interview that we don't have a snowball's chance in you-know-where of getting? Really, MUST YOU?

I'd rather stay home in my sweatpants than take on the anxiety of a job interview when you had no intention of really considering me anyway.

And, now we resume our regularly scheduled programming.

But, I've got another interview scheduled. The job is almost identical to my previous position in a similar type of organization.

It's local too—a thought that makes me sigh with relief.

I'm realistic about moving if it comes to that, but I prefer not to if possible. I've built a life here. My family is here. I'll do whatever I have to do, but as nice as some other parts of the country are, I can't see myself shoveling snow or battening down the hatches for a hurricane.

It's just as well because most recruiters and hiring managers seem interested only in local candidates. I found a wonderful job at a great organization last week. I deployed a unique and creative marketing scheme, and it paid off—the recruiter seemed to love me. But, the position is out-of-state, and the recruiter said the client only wanted local candidates. I understand that, but I would have been perfect for them.

Really.

I would have.

(Mini-rant alert: Could they not have included that in their job post to save me from applying for something I would never even be allowed a shot at?)

But, I've got another interview coming up—a local one, remember?

Interviews can be exciting—for about the first ten minutes after you get off the phone from setting up the appointment.

You'd think nervousness would be the next emotion, but, no. Instead the emotion is gloom that descends faster than a San Francisco fog.

It feels as if the closer the interview date comes, the closer I am to hearing that particularly painful "no" yet again:

"The client has decided to go with an internal candidate."

"We have chosen another candidate who more closely fits our needs."

"We've decided to only interview local candidates".

Or, worse yet, deafening silence.

I want to send out an email that says: "Hello, anybody out there? Is this thing on? Is there a black hole at the end of my internet connection?"

You see, each time, at the end of the interview, I feel like a single woman out on that awkward first date that ends with the dreaded words: "I'll call you."

Still, you smile as you must, give him the number and know in your gut that he will never call.

The exhaustion has been difficult enough, but now panic has emerged.

My last day of insurance coverage is April 30.

At $464 per month, it's been expensive, but manageable with my ever-dwindling savings account.

I called my insurance carrier yesterday for rates on an individual policy.

It's bad.

Really bad.

$1,224-per-month bad.

But, then it got worse:

"Now, remember on this policy, there are no co-pays," the insurance representative chirped happily. "The plan does not cover anything until you meet your $2,500 deductible."

What the heck? You mean, nearly $15,000 per year buys me nothing?

"It's really more of a catastrophic plan," she continued, ever more cheerfully.

Catastrophic is right. It's the policy that's the catastrophe!

She went on to explain that after the deductible is met then the policy will pay a whopping 70% of medical bills.


"It does cover psychiatric care and counseling," she remarked. "If you need that sort of thing."

"I don't need that now, but give me a few months on that premium, and I just might," I quipped.

After 20 years of administering employee benefit plans, doing without coverage is just not an option for me. I know the really scary things that can happen to people without coverage. I have actually known people who died because they could not afford medical care.

And no, before you bring it up, I can't get the new government health coverage either. For the next few years, you have to be totally without coverage for at least six months to be eligible. Even then, the premiums are astronomical and cover almost nothing.

Accordingly, while I was out yesterday, I spoke to the manager of the drugstore down the street about a job and left the store with a job application.

Thereafter, in anticipation of expanding my job search to those offering minimum wage, I re-did my résumé. I can't tell you how much it pained me to remove my hard-earned master's degree, ninety percent of my previous job responsibilities and all of my significant accomplishments. In it, I no longer call myself an "executive". Supervisor or manager is the most I'll admit to now.
It's not that I'm too proud for a minimum-wage job. It's an honest way to make a living. I'm happy to do almost any job. But, what many folks don't seem to understand is that once you accept a job at that level, you're hard pressed to ever move back to your previous job (and salary level) ever again.

For those minimum-wage jobs, you work awfully hard. You stand on your feet. You work overtime to make an extra buck. You come home tired. You have at least 40 fewer hours per week to devote to the search for a job such as the one you previously had.

Plus, the lower the job level, the less scheduling flexibility a worker has. How would I ever get the head cashier to understand that I needed to swap shifts so I could go on a CEO or VP interview? The reality is that I wouldn't.

How would I choose between the "sure thing"—$7.25 per hour with benefits—and the opportunity to get my career back on track?

But, soon none of those concerns will matter anymore. In six weeks time, I'll get a monthly insurance bill that exceeds my entire monthly dole income. At this point, I no longer care about salary any more as long as the job has insurance benefits.

Fatigue.

Gloom.

Panic.

It's really starting to hit me now.

My inner optimist rails against the oppressive weight, but there is a rising, slightly nauseating feeling that's rolling in.

This cannot be the course of my life from now on.

Or is it?

And, despite the overwhelming feeling nipping at my heels, I trudge on. Next week, I'll put on my best suit and go to that interview. I'll smile as though I don't have a care in the world. I'll exude confidence, optimism and professionalism. I'll swallow hard and fight the queasy feeling in the pit of my stomach.

Because I am totally, completely out of options.

But, I WILL get that job. I WILL.

Because I have no other choices. Because this time I have to.

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Just for Fun: This really cheered me up! Remember "Hee-Haw" the classic American TV show from the 1970s? Yeah, it was cheesy but also pretty fun. I watched this show every Saturday night when I was a little girl. Enjoy this clip from the show.
 

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Photo Credits: 

Note: Women pictured are not Ariel.

The Scream: Painting by Edvard Munch, painted 1893 http://en.wikipedia.org/wiki/File:The_Scream.jpg

 


Sunday, November 21, 2010

One Year Later: Lessons Learned From My Life on the Dole



A year of living on the dole.

A year with no job.

A year of doing without.

A year of learning.

It’s been a year.

In some ways it’s been the longest year of my life. Yet, in others, it seems to have flown by.

That frenzied, harried, stressed-out working woman who stared out from my mirror has been replaced. Sure, she had lovely, expensive, salon highlights in her hair, name-brand professional clothes and a well made-up face, but those workplace trappings did little to camouflage the stress lining her face.

Now, a new woman looks out from my mirror: A woman who is unashamed of her hair streaked with grey; a woman wearing sweats (more days than not), yet fresh faced from a full night’s sleep. Yes, this woman looks years younger than the other one. This woman cannot afford expensive tubes of trendy moisturizer, but there’s something better that comes from peace and rest, and no cosmeceutical company can quite replicate that look.

Yes, it has been a year.

And, while I don’t appear to be the same woman on the outside, I’d like to think I am not the same one at heart either.

Here are some of the life lessons I’ve learned:

Life’s too short to turn yourself into a stress hairball. Ironic, considering health insurance worries that dog me. (My premiums go to $400 a month in February and if—and that’s a big if—I can get insurance at all, it will become $1,200 in June). But, job stress and unemployment stress are two different beasts. Doing-without-stuff stress is not the same as stress associated with navigating office politics, hidden agendas and interpersonal minefields. I hope I never feel that way again. I want to work—I just don’t want to let job stress consume me anymore. I think I know a lot more now about work/life balance.

Lesson learned: Even though jobs are hard to come by, I’m going to try to choose wisely next time.

Life’s not about having (or buying) stuff. I’ve spent the past two weeks cleaning out closets. Simply put, I have too much stuff. Even though I haven’t purchased any nonessential for more than a year, I still have too much stuff. Consider:  Ten half-used moisturizer tubes and 20 (or more) little hotel-type shampoo bottles. Fifty half-used lipstick tubes? Really? I don’t have enough lips to use that much in a lifetime.

And, let’s not even discuss clothes, shoes or purses. Too much. Too much. Too much.

Donating stuff to charity, trading at the used book store to earn credit for a friends’ son’s birthday gift and tossing the ratty-looking stuff is far more liberating than marching through stores grabbing up stuff.

Lesson learned: I am never going down that path of mindless consumerism again.

I’ll never have the same easy relationship with money ever again. I never was a spendthrift. Possessing some measure of frugality, I always worked to find the best deal even when buying something expensive, such as my car. (That car is now seven years old and if I got a fabulous job tomorrow, I’d still keep driving it.) Even in the old days when I overdid the eating out, at least I used coupons. But, there’s a huge difference between being frugal with a good income and paddling like a maniac to keep your head above water.

In the future, my nest egg will need to be double or triple what it is now to make me feel any measure of financial security. A huge mortgage even when I can afford it? No, I don’t think so. Every purchase will be thoroughly considered—not just the small ones. And, wastefulness? I hope it never again enters this house.


I’m not sure I’ll ever feel 100% job security again. Sure, it was incredibly naïve to feel as secure as I did in my pre-dole days, and I was probably an oddity in my generation. Experts say Gen Xers never felt job security the way Baby Boomers did, claiming they were scarred from watching their company-loyal parents get downsized in the 1980s. But, my parents weren’t downsized—Mom was self-employed and Dad worked 35 years at his government job before retirement. I never felt, or even saw, insecurity. I worked hard. I worked for a large company. I got promotion after promotion until I reached the top. I felt my job would be around forever. I was wrong. Naïveté, I will miss you.

Lesson learned: Never, never again will I believe I am so bullet-proof it can’t happen to me. 
 
True friendship is priceless. When you’re in an influential position and have money to socialize, it’s easy to attract new social acquaintances. But, are those folks true friends or the fair-weather variety? Worrying about whether I would lose my job, it never occurred to me to worry about losing people. While the fair-weather social acquaintances have fallen away, true friends stepped in to show me how priceless they are.

Lesson learned: Next time, I’ll figure out who the real friends are a lot sooner and I will treasure them more.
  
The joy of the treat is worth savoring. Whether it’s a much anticipated free haircut or a birthday dinner out with friends, everything is better when it’s a treat, a break from everyday routine. But, if it all comes a bit too easy, then nothing is special—nothing is a treat. There’s no anticipation.

I used to wonder why turn-of-the-century children got excited about a mere orange for a Christmas gift. But, in those days, oranges were rare and special—a treat meant to be savored. Not having everything your heart desires makes doing something special just that—special. There is an incredible joy that comes from savoring the moment—preserving the feeling so that it can be remembered long after the moment has passed.  

Lesson learned: I’ll never again let treats become commonplace. I’ll keep some things as special things to be savored.

Life on the dole has been challenging for me but never horrible. While some unemployed friends are down to their last $10 and others do without health insurance and home heating, I’m not missing anything critical. Admittedly, being without a clothes dryer has no appeal, and cold showers while the water heater was out was not my favorite part of this adventure. And, it’s entirely possible I’ll be paying into the distant future tiny installments on the bills for the ER, casts and physical therapy for my tumble down the stairs. Sure, income is limited, but I’m not poor or even broke.


Lesson learned: As my grandmother always said, “Remember there’s always somebody worse off than you are so just count your blessings and don’t complain.”

Money cannot buy life’s important things. It can’t buy time with Mom and Dad. It can’t replace their TLC while I was injured. It can’t buy a visit with a friend. It can’t buy a snuggle from my cat. Maybe I can’t go out to eat or to the movies with friends, but I can still visit with them in my own house or theirs. In fact, having a job used to limit severely my time with family and friends, making them complain they never saw me. Now I have time for those I love.

Lesson learned: The best things in life really are free.

I already have everything I need. I may no longer have everything I want, but I have everything I need (and then some). I have a warm home, good health, loving and supportive parents, loyal friends, healthy food and some money left in the bank. I have more than most people living on this planet. And, most importantly, I have a thankful heart.  

Lesson learned: Money is just a tool that makes life more comfortable. Don’t make it more important than it has to be.

Yes, it’s been a year.

A rough year that often felt like an emotional rollercoaster.

A year that’s left me feeling refreshed and rejuvenated to begin again.

A year of lessons learned.


A year I would not trade for anything because it made me who I am today.

I have made it through the year. Yes, my life on the dole is still a work in progress. But, I like the woman I’ve become. And, I like the woman I’m still becoming.


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Photo Credits:
Friends: Source Unknown