Saga - do you have student loans at all? As far as your financial situation goes, having to borrow for your final year of college should be a no-brainer to take the burden off your family.
Re: your mom, it seems like in economic downturns, marketing/advertising departments of a company are always the first to go - they are seen as the most expendable. Sucks for her though - at least she made it this long into the downturn, hopefully things will be looking up by fall.
There are lots of people leaving their current businesses for one reason or another, and the US was founded on the unknown small fry picking up the pieces and continuing on.
Theres luck to it yes, but anyone with a smart business sense and good money managment can make huge profits as banks now will only give out loans to worthy people. Interest rates are stupid low, and the general prices of things are below average, during these times it's very easy to cut corners, and people still need their services taken care of, no matter what it is.
The media is a horrible place to find out information from (see Swine Flu for the most recent idiocy), when in fact most small businesses are having record sales.
I have some loans incurrred, not a huge amount. I get about $5000 a year from a federal stafford loan. I'll probably end up discussing it with them and taking out enough to cover what I need to lessen some of the burden on them, I agree with you. And yeah, I really hope things look up eventually. Pretty fucking scary not knowing what's going to happen, especially considering neither of my parents have been unvoluntarily unemployed before. My dad's been at Delta for thirty years miraculously, and is still working for them, knock on wood. Who knows, everything's fucked these days. We'll see.
Take out loans. Last year shouldn't cost too much, tuition for an in-state resident on average is about $5000-$10,000. I have friends who are in medical or law school with substantially over $150,000.
Did you even bother reading the sentence before this one? If she's starting her own firm anywhere close to the marketing tree, it's not a good idea. Starting your own firm in say, collections, would be a fantastic idea. It's different for every field, but I know too many self-employed "marketing pros" in multiple industries with tons of connections who are struggling big-time right now.
I know I'm going to piss someone off with this but...
I've noticed a change in attitude among the American public, moving towards one of "I'm too good to do THAT for a living."
With the infrastructure money looming on the horizon, there will be wads of new road construction, not to mention many other things. Shoveling asphalt or pouring concrete are far from being glamorous, cushy jobs but they pay better than unemployment.
When I graduated high school, I went to work for Bridgestone/Firestone turning a wrench in the shop. I went home tired and dirty every day, but the work was there and it paid the bills until I could find a better job like the one I'm working now.
If you're young, working a shitty job to get by for a little while isn't as detrimental to your long-term career as it would be 20 or 30 years down the road. So don't feel like you're too good to work a certain type of job, because odds are the paycheck from the shitty job you don't like is better than unemployment.
This is true, if your still in college and under 24. It will really help out your parents and I can vouch about student loans being a huge burden. I have about 55k so far and I still have 2 years left to go, with my dad nearing 60 years of age still working like a dog and my mom most likely not keeping her job next year. I fear for the worst for my remainder of the 2 years and how I finance it but this is all the result of the economic crisis in the first place. Fuck Bush, why hasn't anyone assassinated the fag yet.
Going to agree with takedown. My fiancée and I both work (I work full time, she only works part time) we pay all of our own bills and paying for both of our degrees out of pocket. Hopefully we'll both be graduated by the end of the year and looking for better jobs.
Is it hard? Yes, absolutely. I frequently don't sleep more than 4~5 hours and we rarely go out. But, we won't have any major debts when we graduate.
Take out your own loan and finish school yourself.
Loan or stretch it out, or if you have to pause, work a year/semester then finish? Be creative. Please figure it out before even mentioning your stress to you mom (no "what about me" allowed). Wait till you can go to her and say, hey NP here's my plan.
It does suck all around there is no safe ground no matter what you do.
Yea, I pay for my own schooling as well. I still think it's a shitty attitude/possible trolling. I would like to know she manages to pay the entirety of her bills working part-time, unless she is getting an exorbitant amount per hour. I bust my ass, take every available shift I can... and I still only squeak by on bills at times.
My fiancée? We live together and pool our money. I'm not going to lie, I pay a large percentage of the bills. And yes, we've had months where lunch and dinner are instant noodles, but we're not whining that life is hard and we deserve help. We had a car accident in February and were back to work three days later and writing midterms the next day after writing my car off. Life is hard, and working and going to school is not a walk in the park. But you know what? When I walk across the stage to collect my degree and know I've done it myself without crying to mommy and daddy, it'll be worth it.
Good for you, I suppose. I've had to ask my parents for help before with bills. Such as during my first 3 semesters when I was away for school and could only get a crappy on-campus job, for various reasons. But I'm certainly not going to think any less of my achievements because of that.
But I'm not here to defend myself, this is about the OP. I was just commenting before on Takedown's attitude in general.