New Rule....

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07 F150 HD
http://www.cnn.com/2009/LIVING/personal/01/22/family.economic.survival/index.html

CNN said:
(CNN) -- Donna LeBlanc gave her husband, a former restaurant manager, the stark ultimatum: become a pizza delivery man or their family "wouldn't make it."

The Lafayette, Louisiana, familyof six was struggling with $45,000 of mounting medical debt from Donna LeBlanc's unexpected case of pneumonia and tonsillitis a year earlier. The family savings account had dwindled to $100.

"It's embarrassing for my husband to take a job he is overqualified for, and I know he feels ashamed at times" says Donna LeBlanc, a 35-year-old mother with four children. "But this is what we have to do and we're going to make the best out of it."

She watched her husband, Rob LeBlanc, 35, load Domino's pizza boxes into their family car and deliver orders until near dawn for $10 an hour.
The family first told their story of falling on hard times on iReport.com. Share your economic survivor story with CNN.

Until last summer, Rob LeBlanc had worked as a manager at a truck stop restaurant, making $55,000 a year. He lost that job to the falling economy.
Rob LeBlanc says he noticed business at the truck stop getting sluggish a year ago. Then the spike in gas prices last summer exacerbated the restaurant's dire circumstances. Many penny-pinching truck drivers avoided his restaurant altogether, he says.

Rob LeBlanc filed for unemployment compensation immediately after he lost his job, joining nearly 4 million other Americans currently receiving unemployment benefits -- the highest number since 1983, according to the National Conference of State Legislatures.

In Lafayette, a quiet city of about 114,000 tucked away in southern Louisiana, many of the jobs center around servicing the oil and gas industry, but Rob LeBlanc was unwilling to work offshore and away from his family.

When he applied for other jobs, he was told he was either under-qualified or had too much experience.

After several weeks of searching, he took the only job he could get -- a Domino's pizza delivery man, a job that would cover the family's expenses.
"I had to swallow my pride and take whatever I could get," Rob LeBlanc says. "I kept telling myself one of these days something better will come along."

He spent nearly five months delivering pizzas at Domino's. He admits he fell into depression during that time.

But the family received good news Friday, when a private security company hired Rob LeBlanc to be a security officer. He says the company offers many opportunities to move up to a managerial position.
"My first thought was to tell my wife right away," he says. "I could hear the relief in her voice."

Taking a job as a pizza man wasn't the only sacrifice he's made for his family -- he's also selling his beloved 2003 Kawasaki motorcycle.
Donna LeBlanc earns a few hundred dollars a week exterminating mosquitoes for a bug control company. Before her husband lost his job, she had talked of going back to school to pursue a biology degree at Louisiana State University.

The LeBlanc family lives lean in their five-bedroom, three-bathroom house with its $440 a month mortgage. The couple is teaching their children about budgeting and bargaining while relying on coupons and sales. They no longer eat out and no longer have cable TV. For entertainment, they attend free movies at a church. Donna LeBlanc takes pride that they have no credit card debt.

Their children Brooke, 9, Christopher, 14, and Courtney, 13, no longer receive allowances. Soon after her father's job loss, Courtney started cleaning houses and baby-sitting and earned enough money to buy a dress for her first school dance -- off the clearance rack.

The LeBlanc's oldest child, Sean, 16, who attends high school, still hasn't found a job. He says the competition has gotten stiff, with many older workers in the area out of jobs. "I'm trying," said Sean, who has been looking for a job since October. "There are just no openings."
The LeBlancs have found some unexpected happiness. Donna LeBlanc says her husband now spends more time at home. Not being able to leave the house for entertainment has brought the children closer together over books, games and conversation.

"This experience has given us time to reconnect with each other," Donna LeBlanc says. "And it's taught us to just keep trying and believe that things will get better."




NEW RULE: People paying 440 a month for a mortgage on a 5 bedroom 3 bathroom home are not allowed to b**** about the economy or submit stories to anyone anywhere at anytime when they are looking for "economic survivor" stories.
 
yeah, $440 for a mortgage on a house like that? you should be able to afford to live by working at Walmart!
 
let's see. $10/hr delivering pizzas. assume full time 40 hours/week. $400/week. assume tips cover taxes so take home is $400/week. around $1600/month. minus $440 for mortgage = $1160. heat/electric/etc... let's say down to $900. probaly $300 for food, down to $600. then car/health insurance can easily eat up the rest. i would think they're able to get by (assuming they had little to no debt beforehand) but certainly not living comfortably or putting anything aside for the future.

now that said why isn't the mother working a full time job? she doesn't need to be home with her kids anymore - the older ones are old enough to watch the younger ones.
 
That has to be a typo...

If it is not, I want to punch each of them in the throat. the kids and the dog too.
 
i wanna know why the hell he makes 10 an hour and i only make 8. and depending on where you live tips cover gas and your average should be about 3 dollars a delivery. not very much haha, but i guess gas is more for me cuz when i work i drive a JEEP V8
 
supporting 6 people on $10/hr is tough, regardless of what their mortgage payment is. sure if you're single or have no kids and have a job that provides benefits that's a great mortgage payment to have. and i'm sure it's even great for them to have because that's the cheapest place they could probably find to live. you look at that as a great mortgage payment, they look at that as 25% of their income that is immediately gone that could otherwise be used for kid's food, clothes, etc...
 
supporting 6 people on $10/hr is tough, regardless of what their mortgage payment is. sure if you're single or have no kids and have a job that provides benefits that's a great mortgage payment to have. and i'm sure it's even great for them to have because that's the cheapest place they could probably find to live. you look at that as a great mortgage payment, they look at that as 25% of their income that is immediately gone that could otherwise be used for kid's food, clothes, etc...



I supported 5 people on LESS then 10.00 ah hour for years.. and my house payment was almost double theirs..

I dont like whiney bitches.. u got a complaint GET A JOB.. if thats not enough MAKE HER!
 
I supported 5 people on LESS then 10.00 ah hour for years.. and my house payment was almost double theirs..

I dont like whiney bitches.. u got a complaint GET A JOB.. if thats not enough MAKE HER!
including health insurance? health insurance is super expensive now.


In 2008, employer health insurance premiums increased by 5.0 percent two times the rate of inflation. The annual premium for an employer health plan covering a family of four averaged nearly $12,700. The annual premium for single coverage averaged over $4,700.


that's over $1000/month in health insurance.
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jred you cannot defend this. There is no sob story that involves a mortgage payment that small and a house that big.

A mortgage payment that small is the best possible scenario unless you have a house fully paid off because you are not going to find a lesser mortgage payment or a place to rent for less. And a house that is that big, big enough for your whole familyis something most people who are struggling DREAM of.

this would be a sob story if he lived in southern california and his family of six was struggling to to make a 1800+/mo mortgage payment on the 3BR/1.5Ba home that the six of them were living in.
 
Hell,

I wish I had a $1,000 mortgage payment.

I won't even tell you how much I pay for Day Care/Preschool for my son.

-R
 
jred you cannot defend this. There is no sob story that involves a mortgage payment that small and a house that big.

A mortgage payment that small is the best possible scenario unless you have a house fully paid off because you are not going to find a lesser mortgage payment or a place to rent for less. And a house that is that big, big enough for your whole familyis something most people who are struggling DREAM of.

this would be a sob story if he lived in southern california and his family of six was struggling to to make a 1800+/mo mortgage payment on the 3BR/1.5Ba home that the six of them were living in.
i agree that the mortgage payment is the best scenario they can have. that still doesn't mean that what they are making is enough to fully support a family of 6.

the size of the house is pretty irrelevant. it only acts to serve as a way to contrast the way things were with the way they currently are. to get a mortgage payment that low he likely only had to finance a small amount, meaning before he was fairly affluent. now he works for $10/hr. they could sell it i suppose and move to a smaller house but they'll likely get s*** for it because of the market and would only help their cash situation a little.

the point of the article is to contrast the way things were with the way they are now by using an example.
 
for the area that may be a good wage. and it was obviously good enough to get the mortgage payment very low. something that was well within their means before and is now one of the items that cannot go away so it is starting to be beyond their means.

i'm not saying i feel really sorry for them or anything. i just view it as they have a nice house, low mortgage payment, and are still struggling to get by due to circumstances largely beyond their control. a family that was once average and is now doing what it takes just to get by
 
including health insurance? health insurance is super expensive now.


In 2008, employer health insurance premiums increased by 5.0 percent two times the rate of inflation. The annual premium for an employer health plan covering a family of four averaged nearly $12,700. The annual premium for single coverage averaged over $4,700.


that's over $1000/month in health insurance.
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You know there is assistance for child insurance. He had options..

I wont give this family any "break" they got it made I wish my payment was that much...

maybe if they slimmed down the "amenities" they would live a bit better.
 
Maybe she shouldn't have popped out so many shitlins. Contraceptives, people. Use 'em.

And +1 to the mortgage payment. I'm staring at $2,000+ per month for a 3 BR here. Quit ya whinin'. Oh, and if times are really that tough, take the offshore job. Millions of families are split without seeing each other for years when a parent goes to another country for work. Often times their only communication is sending money back home once a paycheck.




Cliff's Notes: shaaaaaddup.
 
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