Person that wrote this has obviously lives in never never land...

I feel exactly like you. I really have trouble when people tell me things like that. Do they thing that if I could do them I wouldn't? LIke the nest egg to cover 6 months! I had that. I actually had a nest egg to cover about a year. It is gone now, and I certainly can't make another one right now - I would if I didn't have to deal with the fact that all my paychecks are not enough to cover everything each month! ANd I know all about the small eggs, boy do I know! I used to like to buy the brown large eggs but since they're more expensive the small ones are the house choice right now. DOn't take the first offer!!! Sure, if I have my 6 month nest behind me.. I'd do that. But can I really afford pass out a first offer that might be the only one for a while? Nope. LOL the back up plan.. yeah yeah yeah... You're so right !!! Sure all those tips are fine and sound if the situation is not already a troubled one, but useless if it is. As my aunt used to say there are a lot of jobs out there, but only a handful of good jobs. THis is more and more true. WIth companies doing all they can to get the most from the employees while giving the least they legally - and sometimes not that legally - can. 6 month contracts so they don't have to pay any benefits, double the part timers instead of full timers, re-writing job descriptions, hiring private companies to do some of the work. In the end it's us the ones that get the big zero, and they the ones that are getting the big bonus for making cuts that make the company spend less - sometimes even cutting on safety measures. True there is more demand than ever, so they don't need to worry about getting people to work - which usually creates better pay - being able to use instead the old line "if you don't like it, the door is there". But back to the subject. I feel your frustration and really understand why these tips would make you feel really angry. The main line is that although the tips are sound they only work when there is no problem to start with.

This person has been lucky all his life. This person doesn't know what it is like to not have a good job or earn a good salary. Sure, everyone can work now adays, if you don't mind working for peanuts. A lot of jobs don't pay enough to save and some even pay not enough to live on. I know from experience, like you have I'm sure, from your discussion. It is hard to get by and I wory about getting by today not tomorrow. I hate it when people always say to me, don't use save for your retirement. how, is what I say. We barely get by payday to payday, never mind save for the future.

I found that article rather amusing. It looks like something I may have written years ago when everything was going great and money was no object. Saving was easy and my husband was alive and doing quiet well, money wise. I worked to get out of the house and the money was mine to spend whichever way I wanted. And I had a great time spending it! Then the shi* hit the fan....my husband lost his job which meant NO insurance. All the children had appointments to go to the dentist, one needed braces. This alone hit pretty hard. Dentist and Doctors cost a lot more than I had known. Then the firm I was working with split...which left me looking for another firm to work with. So here we were living from day to day looking for work while trying to not upset our children. I applied for a government loan to open up my own firm but got turned down, for reasons unknown. My husband found part time work and I went back to working as a paralegal. We managed to stay up with the Joneses for some time but the savings eventually ran dry. So what you said is sooo true. This sounds like it is written by a younger person who has yet to face the facts. Makes you want to take them by the shoulders and shake some sense into them while saying "It can happen to you ,too!" Today unemployment is at it's highest, people have resorted to stealing food and money. Too many people and not enough work and it gets worse every day. Sorry to say but I hope they are as prepared as they write about, or else they are in for a big surprise when it does happen to them. Like the saying goes in all big companies "NO ONE is Indispensable"

I have been trying to save the six months backout with no success. I never had good paying jobs and this is when secretarial and steno jobs were common. When I was looking for work, te first job offered I took even though it demoted me from a secretary to a steno and then to a file clerk because I need the money. That six month nest egg I never got. If I saved anything it went for rent and when I got married, it went to the downpayment of the house. We went to second hand stores, ate food that was bad for us because it was cheaper, sometimes lived on macaroni and cheese, walked rather that rode, went without necessities like new clothes. We are now better off, but going without and budgeting are so ingrained that I dare not spend anything for fear some disaster will happen.

That person doesn't have any idea of the real world. He must be living out on a island. The average family can not afford to put a small nest egg away. If people could they would. This is the real world. There are all kinds of people in the world and he is one in my book that is not very realistic.

Wow, you are stressed. I didn't read the article that way at all. It may be a little glib, but I thought the point of the article was not that dealing with layoff is at all easy, but rather that the moment one is hired is the moment one should take whatever steps might be reasonable to prepare in advance. Looking closely at the article again, I see that the author spoke of the possibility of a "temporary" position as a plumber, and temp agencies expect the person to leave. Sorry things are going badly for you. I guess it is better to vent here among friends than at a job interview though.

No need to apologize really. I hate such people too, writing comments from cozy corners in their homes and their attitude of knowing everything that happens round the world. They have their ‘valued views’ on everything and the way they will advise you as if you are a spring chicken who cant move about with some expert advise. It does look rosy and easy if you don’t have to actually slog it out and only people like you and me know how difficult it is to land up and keep a job these days.

Yeah I totally agree with you, this guy doesn't live in the real world. Most people are like you and live paycheck to paycheck. I know we sometimes don't even make it to the next payday. A back up plan, well my back up plan is my mom. I sometimes have to borrow money from her till payday, but then I get into a rut and it's hard to get out of it, because I need to pay her back when we get paid and then it can become a visious circle. Some people have never experienced money problems so they just don't understand. It's not that he is being maliscious, it's just he is ignorant to money problems. My youngest sister is the same way as this guy. She owns her own hairdressing shop and didn't have her kids till her late 30's so she never had the expenses so she was able to put a lot of money away so she just doesn't know what it is like to have none. Sometimes she really bugs me, when she is bragging, and not knowing she is bragging, she just doesn't have a clue what most people go through without money. So I don't get too mad at people like this guy because he just doesn't have a clue.