Nickled and Dimed at 49

Losing a job in your late 40's creates a great sense of loss--of identity, of security, and of purpose that is compounded by worries about the ability to save for retirement.  Loss of income is especially stressful because unemployment benefits barely cover the bills let alone the costs of looking for a job.  A career coach or counselor can cost  $50 to $500 per hour and networking events in my area cost $5 -$40.This is not to mention the reams of paper, business card stock and Inkjet cartridges that I have had to purchase for snail mail responses.

I write grant proposals as a contractor but I lose a day of unemployment for each day I work and my work is taxed at 15 percent by Uncle Sam. I

Appeal letters from local and national charities pour through the mail slot and I have received several calls from the Fraternal Order of Police. Even though I explain that I'm unemployed and can't give right now, some callers quickly brush past my response and back into their "but you'll be helping the families" appeal.

Obama was on the mark when he said, "It's every man for himself" when he was campaigning. The rich want tax breaks; charities want more donors; and the retailers want us to spend what we don't have on stuff we don't need to support shareholder demands for more profit. Meanwhile, my husband just asked if we're going to give each other three presents for Christmas this year. 

Maybe we need to take a deep breath and consider how the global economic meltdown has changed our reality and look to a different model of economics because the current one is clearly unsustainable.  How can anyone hope for more profits and more money while unemployment rate hovers at 10 percent?  If I can't afford to bake cookies, how can I afford to pay $50 to attend a gala to support cancer research?

I don't want to be the Grinch who stole Christmas but I'm beginning to feel like Jimmy Stuart in "It's a Wonderful Life" and could use a little charity myself.