{"id":25931,"date":"2022-01-17T10:34:01","date_gmt":"2022-01-17T15:34:01","guid":{"rendered":"http:\/\/t3_s66poe"},"modified":"2022-01-17T10:34:01","modified_gmt":"2022-01-17T15:34:01","slug":"im-drowning","status":"publish","type":"post","link":"https:\/\/blog.andrewwbradley.ca\/index.php\/2022\/01\/17\/im-drowning\/","title":{"rendered":"I&#8217;m drowning"},"content":{"rendered":"<p><!-- SC_OFF --><\/p>\n<div class=\"md\">\n<p>Last year in March I lost my job making 70K as an Account Manager based on a personality conflict with a new manager. It took 2 months for me to find a new job, which paid 50K as a Business Development Rep. After 3 months they let me go as it was a startup and they could no longer afford my salary. From there it took until November for me to get a job in a warehouse picking orders making 45K a year.<\/p>\n<p>I&#039;m stuck. I don&#039;t have a lot of debt, less than 10K, but I can&#039;t pay it back. I&#039;m currently selling my house, moved to a 1 bedroom apartment with my wife, borrowed 10K from my parents, but I have $12.00 in my bank account.<\/p>\n<p>For context, my wife is a small business owner, she makes less than minimum wage in order to keep things afloat for herself , and she owes the Canadian Government 50K in COVID loans this year.<\/p>\n<p>I have no qualms getting another job, but I&#039;m tired. I&#039;m 31, I&#039;m no longer working in my field, making significantly and I don&#039;t know what else to do. I&#039;m depressed, I&#039;m trying my best and my parents\/family are not supportive. They have chastised me for selling my house (which I&#039;ll get 100K over what I paid for it thanks for the housing boom) which I&#039;m planning on paying all my debt off with. But it feels like I&#039;m starting at the bottom. I have 10 years experience and it feels like it means nothing.<\/p>\n<p>So I humbly as you PFC, what do I do? Where do I turn? How do I make this better so I can sleep at night and not feel like such a God damn failure?<\/p>\n<p>EDIT<\/p>\n<p>Figures I could add some clarity. I&#039;ve spent all of my savings paying for my mortgage since March, the house is in need of major repairs which I can&#039;t afford. Renting out the house isn&#039;t an option as I can&#039;t afford to fix anything in there such as the furnace which my insurance agency is demanding I change for further coverage. I just can&#039;t afford anything more, I have 10K debt sure, but that doesn&#039;t mean I don&#039;t have collections calling me because all my money is going towards my mortgage. My wife owns a spa which was opened in 2019 prior to COVID. Had COVID not occurred her salary would not be an issue and I&#039;d rather not lose the 150K we spent in setting her up.<\/p>\n<p>I have 10 years experience as an account manager in the waste management and environmental fields. SaaS sales is something I&#039;ve never done, although I&#039;ve applied for a bunch. I have 2 recruiters and this warehouse job was the only one they could find for me, I&#039;m looking at a few others as I feel this placement was more of a hail Mary for them.<\/p>\n<p>EDIT 2 i apologize if I snap back at you all, it&#039;s been a rough year without stable income, and I&#039;ve been battling major depression which has gone untreated due to lack of funds for anti depressants and therapy. My back is up against a wall, and I&#039;m trying to be positive but after a year of failure it&#039;s hard<\/p>\n<\/p><\/div>\n<p><!-- SC_ON --> &#032; submitted by &#032; <a href=\"https:\/\/www.reddit.com\/user\/narcatus\" target=\"_blank\" rel=\"noopener\"> \/u\/narcatus <\/a> <br \/> <span><a href=\"https:\/\/www.reddit.com\/r\/PersonalFinanceCanada\/comments\/s66poe\/im_drowning\/\" target=\"_blank\" rel=\"noopener\">[link]<\/a><\/span> &#032; <span><a href=\"https:\/\/www.reddit.com\/r\/PersonalFinanceCanada\/comments\/s66poe\/im_drowning\/\" target=\"_blank\" rel=\"noopener\">[comments]<\/a><\/span><a href=\"\">Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last year in March I lost my job making 70K as an Account Manager based on a personality conflict with a new manager. It took 2 months for me to find a new job,&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":24127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts\/25931"}],"collection":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/comments?post=25931"}],"version-history":[{"count":0,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts\/25931\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/media\/24127"}],"wp:attachment":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/media?parent=25931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/categories?post=25931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/tags?post=25931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}