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honestly your savings plus unemployment income should be enough for a decent used car loan. I'd say go for it if you really need the transportation. Just be realistic about what you can afford.
One more tip - if you get approved, make your first payment a week early and always pay a little extra toward principal. Builds goodwill with the lender and saves on interest long term.
thanks everyone for all the advice. this has been way more helpful than the generic info on the washington esd website. going to file for UI this week and be very careful about documenting everything
One last resource - the Washington State Department of Social and Health Services has some information about how different benefit programs interact. Might be worth checking their website too for official guidance on this topic.
Reading through all this makes me realize how lucky I was that my union rep walked me through the unemployment filing process the day I got laid off. Everyone should have that kind of support.
Final thought for anyone else in this situation - there's also a phone service I heard about that helps people reach Washington ESD agents when the lines are jammed. Think it was Claimyr or something like that. Might be worth checking out if you run into phone trouble.
Just remember that unemployment benefits are taxable income. You can choose to have taxes withheld or pay them when you file your return.
The requirements seem overwhelming at first but it's really not that bad once you get into a routine. File your weekly claim on the same day, keep your job search log updated, and don't miss any deadlines.
Hiroshi Nakamura
One more thing to remember - if you get disqualified for any reason (like refusing suitable work or failing job search requirements), it doesn't just pause your benefits, it can end them completely. So make sure you understand all the rules and follow them exactly.
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Isabella Costa
•This is why I ended up needing to use Claimyr to talk to an actual person at Washington ESD. The website information wasn't clear about what 'suitable work' meant in my situation.
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Malik Jenkins
Bottom line: 26 weeks maximum for regular UI benefits in Washington state. Use that time wisely and don't assume you'll find something right at the end. Start your job search immediately and treat it seriously from day one.
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Gabrielle Dubois
•Thank you everyone for all the helpful information! This thread has been super useful.
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Freya Andersen
•Good luck with your job search! The 26 weeks will go faster than you think.
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