u/Unhappy_Wash3014

I just graduated residency and am starting a 6 figure salary job in a few months. Due to an unexpected rules change (no fault of my own) my start date will be delayed by 1 month. That means my first paycheck also gets delayed. I'm worried because my wife and I did not budget for an extra month of me not working. She also has a job. When I was in residency my income accounted for about half our monthly income and her job accounted for the other half. We currently have about 23k in savings. Our estimated average monthly expenses is about 9k. This month is going to be more because we had to move. This really is part of a really long year for us. Starting last summer we have literally had something happen every month that has taken a piece out of our bank account. This setback with my job is just another blow. We had calculated that we would need to pull about 5k from savings each month to make up for me not working. So we would squeak by with a few thousand to spare. But this job delay disrupts that math. Plus, any more financial surprises could cook us. Any advice would be greatly appreciated. How do we avoid running out of money before I start working?

For a little more context we have two car payments (both our cars gave out this year and had to be replaced) which total about 900 per month, rent of about 2500 per month, and student loans of about 350 per month. With all the inflation we probably spend at least 400 per month on groceries. Cell phone/internet runs about 200 a month. Power is about 130.

Hello. Many of you may have read my question from yesterday. I have a follow up question. Has anyone ever had success with finding temporary work to fill the gap between finishing residency and starting your real job. I guess I'm thinking about moon-lighting or locums while I finish credentialing for my main job. Does anybody know if this is a viable option?

Hey everyone. I'm a newly graduated FM doc. I'm taking a job in an outpatient clinic that is attached to a hospital. The clinic is run by a large health system, but the hospital is a separate entity. I have to credential both with the hospital and the health system that runs the clinic. I was supposed to start in September, but I just found out that due to some new credentialing rules (whatever that means), I will likely be delayed until October. As you can imagine, this concerning because I'm in a tight budget and an extra month of no income is frustrating. I know the credentialing process is antiquated and laborious, but I'm wondering if there is any way I can expedite the process. Or if there is such a thing as provisional credential that would allow me to work while the final approval is pending. I'm sure many of you have been in a similar situation.Any advise would be appreciated?

Just curious if anyone has advice. I have a six figure job lined up. My wife works as well, but mine is the primary income. My job was supposed to start in about 2 months with my first paycheck 1 month later. I just found out that due to a bunch of paperwork work b.s. (nothing I did. It just takes time for onboarding to get done), my start date will be delayed by one month. So I'm now looking at 4 months before I see a paycheck. I have a sizable savings account but I wasn't planning on an extra month of unemployment. My wife and I just rented a house and we have some loans that we are paying on. I'm just freaking out that that extra month of not working is going to break us even with her income. Once I start working everything will be fine. It's just keeping the ship stable until then. Has anybody been in a similar situation? What did y'all do?