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Dealing with finances while out of work?

In June, my husband had a sinus surgery and spent about 4 weeks out of work. The doctors found cancer in his sinus, so in August, he underwent brain surgery to have the cancer removed. He spent 9 weeks out of work due to that, literally just starting back to work 3 days ago.

We did Ok, bill wise during those 2 episodes. I make only about 1/3 of our combined income. So it was a big hit living off of my pay alone. We have no savings at all, and generally keep a very low balance, less than $100 in the checking acct. We have a LOT of bills, 4 credit cards, rent, utilities, car insurance, cell phone (no home) . They are probably the usual bills for everyone, but with a huge hit to income like this, we've been leaching off our parents.

Needless to say, they are not really well off enough to help us cover nearly $2500 in expenses every month that his pay would normally cover.

Yesterday, after a recheck appointment, now my husband has to undergo radiation therapy at the hopsital 1 1/2 hours from home. He will not be able to work during this, so he will be off from the end of OCT to the beginning of JAN.

What can we do to cope with the bills during this time? His mother seems to think there would be a program to give him a stipend while he's out of work? He gets no pay from work during this, and in fact, he OWES his work money for health insurance, so he's working for free right now to pay back his health insurance. We will get maybe 1 full paycheck from him before he goes back to being out of work.

I don't think our parents can support us anymore. I need suggestions on what to do with the bills until at least the end of January 2010 before his paychecks start coming back in.

Thanks.

1 Answer

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  • 1 decade ago
    Favorite Answer

    Transfer all the credit cards to the one with the lowest interest rate and cut the other ones up. Get rid of all the unnecessary bills like internet cable etc. Try to put aside $20 each week and it will add up.Your husband can't get unemployment?

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