Things have been tough all around in the last two years (among the 99%, anyway), and our household was no exception.
When I diagnosed with breast cancer just over two years ago, I lost the energy and time to work. For months before I was diagnosed, my employer had unexpectedly dropped me (and hundreds of other employees) from full-time salaried to part-time as-needed, cutting all benefits including health insurance. When I contacted them to see if they offered any kind of emergency assistance, they said no.
For a while I received income from the state disability insurance and that kept us afloat, but after a year it ended—just as I was recovering from pulmonary embolisms linked to one of my treatment medications. But soon I began feeling better and started writing again, and managing projects for Evil Hat Productions again. I contacted my day-time employer to let them know I was available for work again. They told me they were terminating me instead.
I was getting good feedback and writing contracts from game publishers but that’s a side income, not enough to pay rent in the San Francisco Bay area—unless I was able to produce an additional 70,000 words a month. Instead of reaching this fantastic level of productivity, I started getting other physical and mental health problems and so did my husband.
Despite the incredibly generous help of friends and the wonderful publishers I work with (Evil Hat and Vigilance Press in particular!), we kept losing ground: maxed out credit card, checking accounts frequently overdraft, utilities cut on a rotating basis of “who can we afford to pay right now”, and falling behind on the rent—putting the landlord, one of our oldest friends, in financial danger himself.
We reached the bottom recently, facing homelessness even as I was being checked for suspected heart and lung disease. To be honest, for a few days the only thing that kept me from doing something stupid was remembering how much love and effort my family, friends, and the medical staff had put in keeping me alive and well these past two years. I had no idea what to do, and I know my husband Edmund was equally floored.
Then some of our friends helped us again find money we didn’t know we could access (small retirement funds we can cash), and to make a plan to purge our possessions, shrink our footprint, and balance the future budget. The house we’re renting has a mother-in-law apartment downstairs behind the garage, so we’ll move there and rent the main floor, a nice 3 bedrooms, 2 bathrooms house. We’ll pass the rent revenue to our friend the owner, who agreed to the plan, and thanks to more work and pay I was just offered by Evil Hat we should be able to catch up a bit at a time.
So for the next few weeks we’re selling, storing, giving away, or disposing of anything we can’t keep with us; trying to organize the apartment to be livable for two adults and three cats; clearing and cleaning the house; and dealing with various financial institutions. At least we can move a little bit at a time rather than having to do it all in one day, and we won’t have to change our address. I still need to find a day job, but at least I won’t be so desperate.
And I got a bit of good news last night: my heart and lungs are fine, I’m simply “de-conditioned” from months of health setbacks.
In all this, our many friends have been so very wonderful. If it wasn’t for them, we would not have been able to face this, to break it down into manageable tasks, or to find the necessary information and resources. We are so very grateful.