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How to prepare for unemployment
I just discovered that I'm being "downsized" at the conclusion of the year. While I've got a small emergency fund, I do possess a mortgage and a bit of credit debt. I additionally have three children at home. My spouse will work, but she's merely a part-time job with minimal benefits. I am receiving a very good severance package, though.
Instead of panicking, I'm attempting to stay calm and rational about figuring out what's next. This made me think of your Simple Dollar. If you were in my shoes, what would you do?
Start living cheaper immediately. What this means is reducing or eliminating non-essentials in your life. Cancel your Netflix account. Pare back in your premium movie channels. Start eating at home more. Start brown-bagging your lunch. Just use good old fashioned frugality to your advantage, because you're in a point where every penny matters as part of your.
Move to minimum payments on all debts. If I'm making any payments bigger than the minimum on some of my debts, I'd pare them down to the minimum at this time. This may involve adjusting automatic mortgage payments or other such things. I just couldn't afford those excess payments basically were within this kind of situation.
Build up my emergency fund. Every excess dime I earned between now and leaving my job would go into here. Then,[link widoczny dla zalogowanych], within my actual period of unemployment, I'd use this account like a supplement as to the my partner was getting, if needed. This arrangement would allow me to survive a reasonably long period of unemployment without getting into real trouble.
Investigate my COBRA options. If there is a health insurance need, and it sounds like there's, I'd look into the COBRA options at work. COBRA is really a federal law that allows you to use the medical health insurance provided by your former employer for any period if you pay for the insurance coverage. If my loved ones needed my insurance,[link widoczny dla zalogowanych], I'd think twice about using COBRA to increase my insurance.
Polish up my resume. I would concentrate on actual accomplishments over the last five to ten years instead of only a long job history. I'd need to be listing things I've achieved and skills that are very clearly marketable than simply listing all the jobs I'd done through the years. Employers don't worry about the irrelevant job I had been doing in 1993, so I'd save that line for any description of something I achieved at my most recent job.
Send a person email to every person I know well during my field,[link widoczny dla zalogowanych]. I'd suggest that I would be searching for greener pastures and get when they know of any relevant positions that could be available,[link widoczny dla zalogowanych]. Social connections are the most valuable tool you have for getting your grip in a job,[link widoczny dla zalogowanych].
Hit the social networking sites,[link widoczny dla zalogowanych], especially LinkedIn and Twitter. I'd use LinkedIn to develop professional connections,[link widoczny dla zalogowanych], starting with the folks above which i emailed. I'd use Twitter to dive into professionally-oriented conversations with people in my field. LinkedIn does a fantastic job of shoring in the connections one already has,[link widoczny dla zalogowanych], while Twitter does a great job of starting to build new connections.
Start building a side gig. Even with all of these things,[link widoczny dla zalogowanych], you are going to have some time to burn. Use it productively. Try and start a side business within an area you're enthusiastic about,[link widoczny dla zalogowanych], whatever that could be. I understand one person who moonlights as a high school sports referee. Another person I understand makes art that he sells on Etsy. The bottom line is to start something that will take you some income now, but more to the point has the possibility to grow into something later.
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