I feel so horrible

[b3nx]

So i am a 22 year old student nurse, who used to work full time at the hospital during my studies, due to the financial crisis i was laid off. I have been applying for jobs over the past 4 months. I got offered full time at a hospital and start in about 2 weeks. I lost around 5 thousand in savings, due to my bills and typically i have everything happen such as car service coming up and rego. So basically i have $250 dollars left. I had to get my parents to pay my insurance for the month and my car payment for the month. The only thing keeping me happy is my wonderful girlfriend who is so supportive but i feel like a complete loser, like i know i could not do anything about this, and atleast i applied for jobs and i went to atleast 11 interviews before i got offered full time again. I feel bad having to ask my parents for money, and i feel bad that i maybe should have had more money saved to start off with, how to i stay positive and be sane?

[akrogers]

Don't feel like a loser! It sounds like you were on the right track to start with. Having 5k saved up at the age of 22 put you way ahead of the game and sounds like it was your saving grace. Also, you have been pro active about the job search and it looks to have paid off for you (literally). When you start work again you will be able to build back up your savings and you will truly understand the value of every cent you put in.

The only suggestion I have right now is to pay your car insurance in a lump sum every 6 months if at all possible. You will get a pretty hefty discount and it's one less thing to worry about monthly

[kork13]

Don't get down on yourself... you weren't laid off for actions on your part -- you had no control over that. And you've obviously done alot of work to get a new job, and it seems to have paid off for you. That you were able to live off of your savings with only minimal help from your parents is commendable. As you move into your new job, just work to build your savings back up, repay any debts you may have incurred while unemployed, and move on. Viel Glück!

[wincrasher]

Well, times like these are what EF is for. Most people think that day will never come. You are blessed to learn this so early in life and were able to get thru it mostly on you own.

Don't forget this feeling - it will help you the rest of your life.

But things to consider - Should a 22 year old student have a car payment? Do you really need a car at all? Sounds like the car is the stick that broke the camel's back this time.

You need to keep positioning yourself to be able to take care of your own needs, but also so that you can start taking care of others.

Good luck in your new job!

[creditcardfree]

I agree with the others. You did great getting through this financial crisis. It's great that you had money to fall back on. It sounds that you didn't rack up additional debt. Not everyone can say that for the same situation.

If you need help in the next month while you get back on track with the new job, then ask for it. It sounds that you have supportive family and friends. You can pay them back and start saving again. It will get better!!

[Joan.of.the.Arch]

Are you depressed? I mean seriously? Consider you might need some medical help for that. It might make carrying on easier. I don't know how intense nursing school is there but I tutored a nursing student who was working full time besides doing her clinicals, classes, studying, papers, etc. and it was very exhausting. There were days when her head did not get to hit the pillow. If your school and working is going to be like that and you are already feeling stressed or depressed, it could become impossible. So if there is any chance you need medical help, please go right way, before school and job starts if possible.

There are a lot of people out there right now who are going through things in a way very similar to you-- people who could just kick themselves for not saving more when they had a chance, or who did not think that the future could be anything but a lark, people who have been laid off then searched and searched for work without being able to find anything. It really gets to a person to be rejected or even not responded to at all when one knows they can do the job being offered and when one really needs the job. So it is not just you.

I think when the job starts, you will begin to feel less stressed, so hang in there and ask for help, too.

[Runaway Finances]

There are A LOT of people feeling the same way you are describing. You have a full time job now, so now you rebuild and pay back your parents. You stay positive because you survived!! And you learn from this and prepare even better than you did before (you had an emergency fund, so you didn't do too bad). And, look around you because there is someone nearby that may need your help once you get back on your feet! Finances really drag people down, and you somehow have to "pull up your bootstraps" and realize it could have been much worse. Lots of people still can't find work. By the way, down in our part of the world (Texas), I hear they are hiring nurses like crazy. I'm in Abilene, TX and the hospitals have empty hospital rooms because they don't have enough nurses and all the other rooms are full. You are in a great profession. I have three sisters that are nurses and they have no trouble finding work.

[ValL]

Well done on finding the new job! I think you should not be discouraged. There are so many people in similar circumstances at the moment. Just make sure you save as much as you can in your new job and cut expenses wherever you can. You'll be fine. And everybody needs help sometimes so don't feel bad for that.

[conancare]

Failure is a part of learning, We just need to keep patience and have hopes always. Try to play online tradings any ways you got the job, the things will settle soon. try investing in mutual funds and bonds that the safe way to start with your investment.

Regards,
Conan
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