Kevin Hellriegel's Blog of Worthless Advice

The only blog that you really want to read…or ignore.

Washington State Unemployment 9%…how to cut costs if it happens to you?


Man, oh man, are we for some rough times in this country of ours.  The Seattle economy is probably doing better than most areas of the United States, however, it is still pretty bad.  According to the United States Department of Labor, Washington State has a 9.0 percent unemployment rate in October, 2010.  The national average is 9.6%.

http://www.google.com/publicdata?ds=usunemployment&met=unemployment_rate&tdim=true&dl=en&hl=en&q=unemployment

 How does a 9% unemployment rate translate into everyday life?  Everyone knows someone that is out of work, struggling to make ends meet.  You just need to look at the recent data on the economy and it is enough to make you jump back into bed, pull the covers over your head, and call it a day.  I was getting depressed reading about this stuff.  I’ve put in a few links that I pulled data from several websites about unemployment and the economy.

 Now, being self-employed for close to 18 years, I really don’t know about being unemployed.  Back in the early 1990’s, I did get laid off from AMR (the parent company of American Airlines).  That was the last time I had a “real job”.  I haven’t worked a 9-to-5 job in a very long time (since the AMR job).

Do I miss having a 9-to-5 job?  Yes and No.  Yes, I miss having a company pay my health insurance.  No, I don’t miss the ability to choose my own hours and my vacation time.  Yes, I miss having the chance to leave work and leave my work at the office.  Being self-employed, you always think about work.  You think about stuff you should be doing and thing you ought to do.  You are always thinking about your business.

 However, I’d love to have a business where I don’t have to get dressed up and go to work to make money.  I want the freedom to sit in my office in my pajamas and make money.  Yes, I’m back to my rant about making money online with a killer blog and enhanced website that practically prints money while I sleep.  Hey, who wouldn’t want that?

 How am I weathering this recent economic depression?  I have cut spending in both my personal and business life.  I have looked at all my expenses and cut everything I can. I trimmed my cell phone plan costs down by using a cheaper plan and by cutting off text messaging.  I’ve paid more attention to where we have the thermostat adjusted to as well.  Another simple change we have done is to switch out old light bulbs with compact fluorescent light bulbs (and I got those FREE from a friend!).

 While cost cutting is good, other expenses have risen.  Case in point, my health insurance rose $154 a month!  Now, I just received a new notice that my plan is being phased out.  I now have the choice of paying more for a lesser coverage plan.  Lucky me!

 http://www.esd.wa.gov/

http://www.bls.gov/eag/eag.wa.htm

http://www.workforceexplorer.com/cgi/databrowsing/localAreaProfileQSMoreResult.asp?viewAll=yes&viewAllUS=&currentPage=&currentPageUS=&sortUp=&sortDown=&criteria=Unemployment+Rate&categoryType=employment&geogArea=5301000000&timeseries=&more=More+Areas&menuChoice=localAreaPro&printerFriendly=&BackHistory=-1&goTOPageText=&ID=45531

http://www.workforceexplorer.com/cgi/dataanalysis/?PAGEID=148

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