Showing posts with label poverty. Show all posts
Showing posts with label poverty. Show all posts

Monday, September 21, 2009

What are we supposed to live on?

Not to sound all whiny or ungrateful or anything---but I'm nearly out of money because my first Employment Insurance (EI) deposit hasn't arrived. In fact, I am more than out of money. I used my Visa card to pay the minimum on my line of credit (LOC) last week. (This is known as robbing Peter to pay Paul.) Two weeks ago I moved money out of the LOC into my chequing account to cover the overdraft after my mortgage payment came out. And for about the third time in five years I can only pay the minimum on my MasterCard (I usually pay the full balance), which has a 19.97% interest rate. And my mortgage is due again this Friday.

The so-called two-week waiting period for EI is actually more like six weeks. I gave my bank account info when I applied to get my benefit cheques directly deposited. When I called Service Canada a few weeks ago I was told I'd get some money starting the week of September 15. It's now the first day of fall (and a LOVELY day it is, too).

However, I'm on a very short short-list for a contract position (they've asked for ID to conduct a security check, and I've got two of the required three employment references). So by the time I get my first EI deposit I might also have a job. Wouldn't that be ironic?

September 21 UPDATE: I called the Service Canada toll-free number and found that I will get a deposit as early as tomorrow and as late as Wednesday. It will be enough to pay the mortgage and buy cat food, litter, and smokes. This is only a week later than the agent I spoke to told me I'd get it. If I have to live on EI for any length of time that's about all I'll be able to afford.

September 24 UPDATE: Yes, the deposit came Tuesday. And I faxed ID for the security check and three references. I expect the security check will take a few days (Sault Ste-Marie Police Service conducts it), so I might even get another EI deposit.