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Posts Tagged ‘Tough times’

The COVID-19 pandemic has brought unprecedented action in regard to temporary business restriction and closure. Within the last week, Governor DeWine has ordered the closure of all dining rooms of bars and restaurants; closure of bowling alleys, movie theaters, recreation centers and similar businesses; and the closure of barbershops and nail salons.  Yesterday’s “Stay at Home” Order from Ohio Director of Health, Dr. Amy Acton, orders that all non-essential business and operations must cease by midnight tonight. These orders have affected tens of thousands of Ohioans. In just three days last week, the Ohio Department of Jobs and Family Services received 77,817 claims for unemployment benefits. Compare this to two weeks ago when only 2,905 claims were filed.

If you find yourself without a job, I encourage you to visit “COVID-19 – A Financial Resource Guide” which has been compiled by OSU Extension. It features Individual Resources, Employee Resources, Small Business Resources, Available Ohio Food Access Options, Financial Wellness Resources & Consumer Protection, and Finding Local Resources.

University of Wisconsin Extension also has a website for “Managing Your Personal Finances in Tough Times” with a special section dedicated to the financial effects of COVID-19 for individuals, families and businesses. There is also a section called “Dealing with a Drop in Income” that answers questions like “Where do you start if you can’t pay bills?” and “Deciding Which Debts to Pay First.”

Another resource I especially appreciate from The University of Delaware offers advice for Surviving a Family Crisis. Losing income from a job is not inherently more manageable for an individual than a family. However, there are different challenges when multiple people are involved. The University of Maryland Extension also offers some ideas for talking with children about needs and wants.

I have been inspired this week as acquaintances, who are now without work, have shared their struggles in positive ways on social media. They’ve shared their fears and disappointments, but even more, they have shared the encouraging words and even mentioned financial help they’ve been receiving from others. It has been motivating for me to see the support that people are receiving. It has caused me to act and help others who may be facing more uncertain times than I am, even if it is in small ways.

If your job is secure, consider what you can do to financially bless a friend or acquaintance during this time. I’ve heard some great suggestions to set aside the money you might normally spend on gasoline or parking or other daily expenses and use that to make a donation in your community.If you are in a difficult place, please know that many people want to help right now. Let others know your needs, even if that is a listening ear for you to voice your concerns without judgment.

Written by: Emily Marrison, Family and Consumer Sciences Educator, OSU Extension Coshocton County

Reviewed by: Patrice Powers-Barker, Family and Consumer Sciences Educator, OSU Extension Lucas County

Sources:

Ohio State University Extension Family and Consumer Sciences (2020)  COVID-19 – A Financial Resource Guide. at https://fcs.osu.edu/programs/healthy-finances-0/covid-19-financial-resource-guide

University of Wisconsin-Madison Division of Extension (2020) Managing Your Personal Finances in Tough Times. at https://fyi.extension.wisc.edu/toughtimes/

University of Wisconsin-Madison Division of Extension (2020) Financial Resources to Help Get Through COVID-19. at https://fyi.extension.wisc.edu/toughtimes/covid-19-financial-resources/

Olive, P. University of Wisconsin-Madison Division of Extension. (March 2020) Dealing with a Drop in Income. at https://fyi.extension.wisc.edu/toughtimes/files/2019/01/Drop-in-income-2020-state-version-new-logo.pdf

Park, E. and Nelson, P.T., Surviving A Family Crisis. (2012) (Ed) Families Matter! A Newsletter Series for Parents of School-Age Youth. Newark, DE: Cooperative Extension, University of Delaware. at https://www.udel.edu/academics/colleges/canr/cooperative-extension/fact-sheets/surviving-family-crisis/

University of Maryland Extension (2013) Helping Your Child Become Money Smart. Factsheet FS-962. at   https://extension.umd.edu/sites/extension.umd.edu/files/_docs/publications/FS-962%20Helping%20Your%20Children%20to%20%20Become%20Money%20Smart_0.pdf

Photo credit: https://unsplash.com/photos/fJTqyZMOh18

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Last year was a very difficult year for my family, and 2019 has not started any better. Everywhere I turn I am forced to think about the challenges my family is facing. I know I am not alone in the way I feel. I also know that some of you may be living in your worst fear every day. I have spent the last several months trying to keep my head high and not talk about what is going on behind the scenes. I am a very private person when it comes to my family and I do not plaster my every thought on social media. However, keeping all of that inside of me has not been good for my health. I know how to recognize and control my stress but no matter what I tried, I could not escape it.Think Positive motivation

My family is one of the many dairy families across the United States experiencing farm stress. Living in the unknown of the farm takes away all of my positive energy and can be emotionally exhausting and draining every day. I have had to make a conscience effort to focus on the positives in my life and to let the negatives go. I was able to find an extremely wonderful handout from North Dakota State University Extension called 12 Tools for Your Wellness Toolbox in Times of Farm Stress. I had the amazing opportunity to hear Sean, the author, speak at a conference about rural stress. This resource not only applies to farm stress but to ALL stress that EVERYONE faces. The list focuses on the following physical, mental, emotional, personal, work, and financial wellness strategies, which will help enhance your mood, renew your energy and help you stay focused:

  1. Exercise 20 minutes or more daily (walk, swim, ride a bike, etc.)
  2. Get an annual medical checkup with a local health-care provider.
  3. Spend 10 minutes planning your day and priorities.
  4. Take regular 5- to 10-minute breaks in your day to relax and recharge.
  5. Write down 3 things that you are grateful for daily.
  6. Share concerns with a counselor or other professional.
  7. Take 15 minutes each day for uninterrupted conversation with a spouse or family member.
  8. Get involved or stay connected with a friend or group of friends.
  9. Discuss needs of the farm operation but do not let them occupy all other aspects of life.
  10. Seek constructive feedback on your farm operation and ways to grow or improve.
  11. Create a family budget and seek to live within your means.
  12. Select three healthy habits you will try to practice daily. Start today!

Which three healthy habits could you begin doing today? So many times, we try to handle things on our own and in reality, we end up doing more damage than good. I strongly encourage you to figure out who is in your support network. Who do you feel comfortable sharing your personal struggle(s) with? I started focusing on the goodness in this world and the amazing people that surround me. My coworkers and friends have been wonderful! They’ve given me endless amounts of humor to lighten my mood, been a listening ear on tough days and have sent words of encouragement. Don’t feel like you have to hold your thoughts in any longer. Open up and focus on the positive outcomes in your bumpy ride.

 

Brotherson, S. (2017, September) 12 Tools for your wellness toolbox in times of farm stress. Retrieved from https://www.ag.ndsu.edu/publications/kids-family/12-tools-for-your-wellness-toolbox-in-times-of-farm-stress

Stefura, B. (2014, October 13). Don’t let stress get the best of you! Retrieved from https://livehealthyosu.com/2014/10/13/dont-let-stress-get-the-best-of-you/

 

Author: Amanda Bohlen, Family and Consumer Sciences Educator, Ohio State University Extension, Washington County, bohlen.19@osu.edu

Reviewer: Jenny Lobb, Family and Consumer Sciences Educator, Ohio State University Extension, Franklin County, lobb.3@osu.edu

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