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Reply to "I need about $20k to get us through a layoff-home equity loan?"
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[quote=Anonymous]OP, I would continue selling things to come up with some cash to tide you over. Have your husband contact payroll and temporarily stop any extra withholdings or 401k contributions, if any, from his paycheck- make sure correct taxes are being taken out etc. If you are unemployed for a few months presumably together you will be paying less in taxes so maybe there can be some changes. Increase his cash flow and use his paycheck to cover the mortgage. Keep kids in daycare right now and sell things to come up with enough cash for your bare minimum .. simple meals, utilities and gas for the car. Bare bones budget under $1000 a month. You cover that by selling what you can. If you can't cover it, use a credit card but keep it to the absolute minimum... credit card is for absolutely necessary medical expenses and anything you need that will help you get a job. [/quote]
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