Surviving Unexpected Life Events During Your Spending Fast

surviving unexpected life events

This is a post by Chelsea who is currently doing a Spending Fast®.

Imagine with me for a second that you are cruising along in life, adhering to your Spending Fast contract, when you suddenly lose your job. What would you do? Let’s take it a step further and say that the same day you lost your job, you also lost your house. A bit far-fetched, but just hang in there. What if in that same day you not only lost your job and your house but you also lost your romantic partner AND you had to immediately move out of the state. Your life was great and within one day, everything changed dramatically and you had absolutely no power to stop it from happening.

Welcome to the last 14 days of my life. When this article gets published, it will be exactly two weeks from the day that all of these things happened to me. My partner told me that he wished to terminate the relationship and I moved from Ohio to North Carolina. My column is about transparency and how to survive/succeed on a Spending Fast. While today should have been the day when I announce my grand totals for Month Three, life has thrown me a curve ball and the Spending Fast had to face some challenges.

How I’ve Been Surviving Unexpected Life Events During My Spending Fast… 

With all of these sudden changes, I have had a lot of time to evaluate my Spending Fast goals as well as life goals in general.

So what do you do if you find yourself in a similar situation?

  • Stop everything and make a budget. I know many of you already have a budget (I definitely did) but when a life altering event happens, that budget is going to change. I looked at my finances and the bills I knew were still going to come and I made sure I paid them right away. Cell phone companies don’t care if you’re living in a fog. Force yourself to focus and get all the known bills covered.
  • Make a game plan. I had just started a new job in Ohio and was planning out ways to advance in that setting. Obviously, that plan had to change so I sat down and wrote out new goals. These goals had to be something that motivated me to get up in the mornings. My initial plan was to shower daily, find an apartment and apply to as many jobs as possible. I am happy to report that the showering and apartment finding has been a success. I am still job hunting but knowing I have already accomplished the other goals keeps me inspired.
  • Use those skills to hustle! With no job at the moment and a brand new apartment, I need some source of income. I have been freelancing my writing skills online and posting items to sell on eBay. My personal life may have come to a halt but I will still have bills to pay and therefore need to keep putting myself, and my skills out there.
  • Start a gratitude list. People always say to be careful what you wish for and I now realize why. I hated my second job in Ohio and wanted to be able to quit more than anything. My wish came true; not in the way I would have expected but I am free from that toxic work environment and it’s a beautiful thing. At the end of the day, every day since I left Ohio, I have been writing things that I loved about that day. Initially it was the fact that I had a hotel to stay in and a dog to make me feel needed. Now, I list things like how great it felt to laugh with my best friend or the fact that I can see the sun here! There is always a silver lining and changing your attitude about a situation will always make things better. Remaining positive has dramatically changed things for the better.

My Spending Fast had to take a minor pause. Through these weeks I have reminded myself that I am in less debt now than I have been in years and it feels great. The thought of being debt free has inspired me and I will continue to remain focused. With any luck, I will be able to find a job quickly and hop back on the absolute Spending Fast lifestyle.

If you are going through a tough time financially just know that you can do this. No matter the situation, there will always be a way that you can save money and put it towards your debt. Re-evaluate your goals and stay encouraged!

What are some ways that you continued to pay debt during a tough financial time?

Chelsea Overton is in the midst of a Spending Fast® and writes about it from North Carolina with her bulldog, Xena the Warrior Princess, by her side. 

33 comments

33 thoughts on “Surviving Unexpected Life Events During Your Spending Fast

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  1. Ieva

    Wow, all this happened 14 days ago, and you’re still standing and can even write about it! I wish many neat moments for you to be grateful for, and good luck!

    Reply
  2. AnneB

    Oh my goodness, I don’t usually comment on blogs, but I just wanted to say it’s very inspirational that after such a rubbish time you can still write to encourage others. Stay strong- you have a super attitude! Lots of Love x

    Reply
  3. Cari

    Congrats to you for not sinking into the negative ball of energy black hole! Ok, so you may not love this idea, but I’m just throwing it out there. It’s just an idea, but I used it to put myself through school a second time and stay out of debt, so hear me out. although it’s not for everyone.
    Starbucks. Apply and and be upfront. Commit yourself for a couple years part time. Let them know you are looking for another job in x, but that you want to continue to work there part time (for x amount of time) after you find this other job in said field to pay off school loans.
    Part time you get benefits! Health care insurance, 401 k ( I think they match like 25% of first 4% you put in or something), and a free bag of coffee every week!!!!!! lol.
    After you find the job you’re looking for, you can continue to use the money to pay off debt, and increase your 401k for retirement to 15-20% or higher having it come out of your paycheck before you even know. It’s also a great place to meet people!

    Reply
    1. Chelsea Overton Post author

      Hi Cari,
      Starbucks is an amazing corporation because they do provide benefits after a while. How awesome! I have worked at a Starbucks in Ohio and it didn’t work out for me. I am currently doing a “trial” week at a law office so hopefully that goes full time! Ill know soon! Thanks for the suggestion!

      -Chelsea

      Reply
  4. Kelly

    Wow, thank you for sharing your story. I had a very similar situation happen to me last summer. My relationship ended (unexpectedly for me), I quit my job and moved to another state in a month’s span. Luckily I had enough savings to make it through the next 6 months until I started a new job. Oh and I got into a car accident while moving. (not my fault) Fun times! You sound like an incredibly strong person and I look forward to hearing how the rest of your spending fast story goes!

    Reply
    1. Chelsea Overton Post author

      Kelly,
      Wow enough savings to live for 6 months? Congrats to you! This whole experience has made me realize how important savings can be. It’s good to hear that someone else has been in a similar situation and survived!

      -Chelsea

      Reply
  5. Little House

    That’s a lot of life changing events in 2 weeks! Your outlook on life is everything – the fact that you can find that silver lining will inspire and motivate you to push harder. Good luck on finding a job and keep up the positive attitude!

    Reply
  6. Cassie

    Wow. You are tough, lady. Brave moves you’re making, and I wish you the best of luck. One day you’ll look back on this time and be amazed: “I made it through THAT.”

    Reply
    1. Chelsea Overton Post author

      Cassie,
      If I make it through this, I can make it through anything! Definitely helping to create a more mentally sound person if nothing else. Thanks for the encouraging words.

      -Chelsea

      Reply
  7. Kelly

    Oh my goodness! I can’t even imagine all of that at once. Stay strong and positive, but make sure that you take time to process the changes, too! ((hugs))

    Reply
  8. Susan

    Wow. Sounds like me! Except my situation happened 4 months ago versus 14 days. Huge props for your positive attitude AND having the courage to write about it! It’s encouraging to see another person going through the same thing, AND being strong!

    On another note, I think I might just take up the Starbucks idea that Cari posted above….

    Reply
    1. Chelsea Overton Post author

      Susan,
      Do it! Starbucks is a great place to work because they look out for their employees so well. And, like Cari said, you get free coffee every week! How sweet!

      It is so great to hear that other people have been where I am and survived. Very encouraging. Thanks!

      -Chelsea

      Reply
  9. Joy

    So sorry all this stuff happened to you at once. Any one of those can be a game-changer.
    @Cari – very interesting comment! I did not know that about Starbucks.

    Reply
  10. Autumn

    Girl, I love this. Thank you for sharing even if your life is messy right now. And if nothing else….THANK GOD YOU GOT OUT OF OHIO. Am I right or am I right?

    Reply
    1. Chelsea Overton Post author

      hahaha Autumn you’re hilarious. Yes, Ohio is pretty much not my cup of tea. It would be better if it wasn’t so gloomy all the time! The sunshine of North Carolina has already helped a lot. And living somewhere I have friends is also a plus.

      -Chelsea

      Reply
  11. Emily

    Girl, you are a rockstar! Bravo to you for getting through all of this with such grace. Thank you for the inspiring tips!

    Reply
  12. Maddy

    Echoing everyone else’s sentiments – you are one strong lady! I had enough trouble with these things, minus the huge aspect of moving, over a couple-month span of time so I can’t imagine adjusting to these things happening in the SAME DAY. Hang in there, google pictures of cute animals in funny costumes, and definitely don’t forget to give yourself a break once in a while. You rock!

    Reply
  13. Melissa

    This happened to me 5 years ago. I lost my job, walked out on a 6 year relationship, had some needed surgery and had to find a new place to live. I’m not embarrassed to say that I moved back to my parents for about a month till I got my feet again. Its difficult when everything seems to not be in order. I made it my priority to get well first then, find a job, then find a place to live and then start dating again. How long it takes is completely up to your attitude and how determined you are. Best of luck and if I can say one thing, its that when life is crappy, its only temporarily crappy.

    Mel

    Reply
  14. Alyssa

    My goodness but a crappy, crappy time! The stuff you only hear about in Lifetime movies!

    I’m glad you’re piecing everything back together. But I will provide unsolicited advice and remind you to take a moment to breathe. You’ve been able to power through with grace and poise, but at some point it may all hit you. So give yourself time to grieve and process what you’ve been through, and you’ll be that much stronger.

    Keep on keepin’ on!

    Reply

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