 Wysłany: Sob 0:51, 24 Sie 2013 Temat postu: How to prepare for unemployment-spun4 |
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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,http://kevindurantnerfshoesreleasedate.blogspot.com/, 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. 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Social connections are the most valuable tool you have for getting your grip in a job,roger vivier heels. Hit the social networking sites,cheap giuseppe zanotti, especially LinkedIn and Twitter. I'd use LinkedIn to develop professional connections,giuseppe zanotti, 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,roger vivier online, while Twitter does a great job of starting to build new connections. Start building a side gig. Even with all of these things,giuseppe zanotti shoes, 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,Peuterey outlet, 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. 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