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How We Are Surviving Through COVID 19

As pretty much everyone in the world knows now, COVID 19 has completely changed our world. We were all set to go on our big joint 40th birthday trip to Greece in the middle of March when all of this hit. Obviously, that didn’t work out for us and we are extremely disappointed, to say the least. But, at least we are home safe with our family and not trapped in another country.

But since all of this has unfolded, it has changed every aspect of our lives, as I am sure it has for you too. So I want to talk about what we have been doing now that our world has turned upside down, both financially and in every other way.

Unemployment

As has happened to most other American’s, we have lost a significant amount of our income. My spouse is a chef, so when all restaurants were mandated to close, his job went along with it. That doesn’t even include me, as a small business owner, but we will get to that in the next section.

Once his restaurant closed, we thought we were stuck. But, due to the wide reaching impact of COVID 19, unemployment insurance was opened up to any and all W2 employees that were affected. My spouse included.

So, we applied for him to begin getting unemployment. Although, this sounds easier than it actually was. So many people were applying that North Carolina’s system kept crashing. It took us 2 days to finally complete his application, with all supporting documentation. And another week and a half for them to approve him.

While it is awesome that he is receiving unemployment benefits now, North Carolina is one of the few states that doesn’t offer a full 26 weeks of unemployment, but only 12 weeks. We are hoping that will be mandated to change due to the circumstances, but only time will tell.

paycheck protection program

As for me, the new CARES Act states I should qualify for unemployment. I did apply for myself also, but the system keeps kicking me out and telling me that I am ineligible. I think they will eventually figure it out, but due to the fact that unemployment has never had to take self-employed or small business owners, they simply don’t have the infrastructure to handle us yet.

So, I spoke to another entrepreneur I know and was informed that I simply had to apply for the Paycheck Protection Program (PPP) to get funding for my business. At first, I didn’t want to apply because I didn’t want to be on the hook for a loan. But, the way this one is structured is that the loan is supposed to be forgiven entirely, as long as you only use it for approved items. Those items include payroll and up to 25% of the loan for utilities to keep the business operational.

I just applied 2 days ago and haven’t heard anything back yet. But since each individual bank has to approve it through their underwriter first, and then it goes to the SBA for their approval, it could take a while. Either way, I am crossing my fingers that one of these avenues pans out for me, because I have lost about 90% of my business currently.

food stamps

Another option that I looked into was food stamps, or the SNAP program. While the parameters are different in every state, we happen to qualify in ours. Even though my spouse and I aren’t married, we share a household and 5 kids, so we fall into a household size of 7. Due to our incomes being decimated, we more than qualify for the food and nutrition assistance program.

And even though I really don’t want to go back on food stamps, I will take whatever help I can get right now. Especially since our family size could potentially get us a little over $1000 for groceries each month while all of this is going on. That would really help take a lot of the financial stress off and comes in under what our normal grocery budget is. Even though I applied a week ago, and my application is still pending, I am crossing my fingers that they will approve us any day now.

homeschooling

While I began homeschooling one child this year, I am now pretty much homeschooling 4 more. Yes, I said 4 more! The 1 child was more of a challenge than I initially thought, but it has been great for him. And great for our relationship too. So, it has been very worth the extra work on my end for both of us.

But, now due to schools being closed until potentially next school year, we have 4 more kids who need some educational guidance. I realize that it is different in every state and county, but ours hasn’t started mandating any sort of virtual instruction yet. And they have been out of school for over 3 weeks now.

So, I have been busy figuring out all of their weaknesses and assigning work to help them improve. Of course, that has been a lot more work for me and my spouse. And certainly some tears and frustration on the kids end. But, it has really helped us see where they are lacking in their education. Therefore, the positive is that this time can only help us help them improve.

home improvement projects

As I am sure a lot of us are doing, we have been tackling a lot of home improvement projects. Most of ours have been talked about for quite some time but kept getting pushed to the back-burner. So, now that we have a whole lot more time on our hands, we are taking advantage.

We haven’t been going out to spend a lot of money on supplies. That would just hurt our bottom line right now. Instead, we have been doing things such as:

  • weeding
  • blowing hardscapes
  • pressure washing
  • reset our patio and put in polymeric sand (if you don’t know what this stuff is, it’s awesome!)
  • moving random pavers to create another small patio outside my office
  • cutting down trees
  • trimming bushes
  • cleaning out storage shed
  • reorganizing my office so I can actually look out my window and open my door to the outside world
  • going through all of the kids clothes, games, random stuff and downsizing everything
  • building garden boxes

I am sure there is more that I am forgetting, and there will be more in the future. I figure that our house and yard will look and feel the best it ever has once we all come out of this. So why not take advantage of the time we have been given?

exercise

This is a category that I have been slacking on of late due to working too much. And trying to spend more time with the kids. So, even though I normally do a lot of yard work and walk a lot of dogs for one of my businesses, it still isn’t enough for me.

My spouse loves to play disc golf and I love to hike. So, we have a great compromise of playing disc golf together on more challenging courses with more diverse terrain. That way I can get my hiking in and he gets to throw.

And due to COVID 19, we have had the time to go play some much further out courses that we have never been able to get to before. Which has been a lot of fun when we don’t have the kids.

I also love to bike but haven’t really had the time for that either, until recently. My normal bike mileage on the Greenway is somewhere between 35-40 miles when I ride regularly. But, since I just started getting back into it, I am starting back out at 15-20 miles. It shouldn’t take me too long to build back up to my normal mileage. But, it’s disappointing to see how far behind I’ve fallen.

Although, I have loved being able to get back out on my bike, ride hands free and just enjoy the wind and the nature.

covid 19 new world summary

Overall, we are all being severely affected by COVID 19. It has changed the whole landscape of our world. And while the up side is that none of us are sick, this has still been a challenge.

We have been looking into any and all resources that might be able to help us financially during this time to assist with taking some of the stress off. And while we now have kids at home for school, it has been a blessing also because it is has helped us see where they could use more help. The extra time has granted us more time for home and yard projects, as well as more exercise time.

So, while this has been challenging, it has also been a beautiful gift. And ultimately, how we choose to perceive what is going on can have a huge affect on how we come out of this. So we are choosing to try and look at all of this in a positive light. We don’t know what our world will look like when we come out the other side. Cut our goal is to do the best we can with the time we have right now and just be grateful.

How has COVID 19 affected your family and how have you been handling it?

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