Mother and daughter window shopping © Hongqi Zhang, Getty Images

There is no shame in being broke, theoretically. But that hasn't stopped me from feeling horrible shame at how broke my family is.

Then I feel guilty for feeling that shame. After all, if I feel angry at myself for not earning more, I must also be angry at my husband for not earning more. Yet, in reality, we are both in the same boat: eminently employable adults with great resumes who find ourselves, along with a flood of similar people, unable to secure a steady income in this post-2008 economy.

I've worked as a journalist and a marketing copywriter, and have watched the number of available jobs shrink as the applicant pool grows. Both my husband and I—a videogame producer and a writer—have expanded our definitions of "jobs we'll take" until we're so overeager it's surely painful to witness.

In the meantime, until I find something steadier, I've been freelance writing and working at my children's daycare co-op. My husband takes freelance assignments, works part-time for a car service and began his own produce delivery company that's still establishing itself.

I have reached out repeatedly to friends at places like Google and Pixar, asking for information about jobs I see listed, only to have them say things like, "Why would you want that? It's a mid-level job you're overqualified for."

Thanks for that, I guess. I still need the gig.

How do you tell your kids you're broke?

The hardest part is watching my kids. At ages 2 and 4, they're still so young they can't tell the difference between shopping at Goodwill and shopping at Target or Nordstrom. But they do notice that all their school friends go to the same dance class on Monday afternoons. When the other girls stroll down the street in their tutus, I feel awful.

"That's why Mommy's going back to school this summer," I told them, thinking I was handling this all extremely well and finding a teachable moment amid the tears.

I explained that ballet lessons cost money, and I needed to make more money, and the best way to do that was to switch my job. To do that, I said, I needed to go back to school. (I'm going to become a special ed teacher.) This was a sore point between me and the girls: They like having me around and the idea of my going back to school upset them mightily. I was trying to draw a line between the "what" and the "why." You want what your friends have? Your mom has to start wearing pants that zip.

A few days later, a friend and fellow school parent said she'd run into my daughter on the playground. When my friend asked, "How are you?" my daughter reportedly stuck her hand on her hip and said, "Well, I'm not taking ballet class because my mom ran out of money, but she's going to go to school and I will not see her all day, and that's not fair. Also, one time, my sister went to school but I didn't because I had a fever, and that was not fair, too."

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Now my friends know I tell my kids we're broke. And now all the moms will know, as they walk their daughters down the hill, why I'm not joining them. Not having money is as unfair as getting sick when someone else is well. It feels awful, but all you can do is get better.

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