How to Avoid Debt After a Job Layoff

Did you just received the dreaded layoff notices that are being distributed all across the country? It seems as if no industry is invincible. Hospitals, schools, auto factories, construction companies, and retail stores, are all cutting back costs. Unfortunately, that means a rise in unemployment. If you are laid off from your job, as opposed to fired, you will get unemployment benefits. Nevertheless, these benefits do not equal your former paycheck. For that reason, many unemployed Americans are concerned with debt. It should be a concern of yours too. Luckily, you can take steps to avoid it.

So, how can you avoid debt after being laid off from your job?

Determine how much you have available to spend. After getting your first unemployment check, you will know how much you will get each week for the remainder of your allotted time. There are four weeks in each month. Therefore, if you receive $300 in unemployment, your monthly income is now $1,200. This is how much you have available to spend. Most laid off workers who fall into debt do not take the time to know how much money they have available each week or each month. Instead of trying to live within their means, they continue with their normal spending habits. Only, they aren't brining home a normal paycheck.

Make a list of your monthly necessary expenses. These are limited only to things you need. They include rent or mortgage, car payments, auto insurance payments, gas, and food. As for your utilities, aside from heat, electricity, and water, only include your phone right now. Television and internet are nice, but should be looked at as extras. We will focus on these in a minute. Returning back, total your necessary expenses for each month. For example, rent is $400, electricity including heat is $150, auto insurance is $100, gas is $40, and food is an average of $200. Right there is $890. Subtract that from the above mentioned $1,200 a month and you have $400 left. Remember, this total will fluctuate based on your savings and unemployment benefits.

Eliminate impulse purchases by tracking your spending for one or two weeks. Above, you created a generalized monthly expense list. You based this on the necessities, such as rent or mortgage, utilities, car insurance, car payments, and food. Many Americans waste money on unnecessary purchases and impulse purchases without giving it any thought. You need to give it thought. Be aware of your spending. Buy a small pocket notebook from the dollar store and carry it and a pen with you everyday for one or two weeks. Each time you spend money, even on a coffee, write down the purchase. Review the list at the end of the week. What could you do without or make alternatives for? Instead of buying a coffee from Starbucks or the local gas station, make yours at home and so forth.

Cut back on extras at home. As previously stated, aside from heat, water, and electricity, you should only include your telephone as a necessary utility. Television and internet is nice, but not necessary. Luckily, you should still have money leftover. Unfortunately, it may not be enough to cover the current cost of your television, internet, or cell phone bills. If that is the case, try cutting back before doing without. Practice talking on your cell phone less and lower your minutes or replace your landline with your cell phone. Do without the movie channels and lower your cable or satellite bill. For internet, revert back to dialup or see if a lower and cheaper internet speed is available.

In short, the best way to avoid debt after being laid off from work is to live within your means. You have less financial resources, so you can no longer keep your former spending habits. As soon as you receive an exact dollar amount for your unemployment benefits, create a budget. If your expenses total more than the funds available, work on cutting costs. Do so and you will avoid debt.

Laid Off: Pros and Cons of Moving to Find a New Job

If you were recently laid off from your job, you should be collecting unemployment benefits. Unfortunately, those benefits are likely only a fraction of what you were making before. For that reason, you should actively search for a new job, but what if there aren't many open positions in your state? Should you relocate? Maybe. Honesty, the decision is a personal one. However, before making that decision you should know the pros and cons of moving to find a new job. What are they?

The Pros of Moving to Find a New Job

You get a clean slate. Living near friends and family is nice. However, do you feel as if they look at you differently because you are unemployed? Is your poor financial situation causing stress with family and friends? Do you live in an area with a high cost of living? Have you always wanted to try a new career path, but can't find a good career training center or can't escape your past? If so, moving will get you a clean slate. It is stressful moving to a new state, but think about the unique opportunity. You can now start life over again, making your dreams become a reality.

Your chances of finding a job increase. Rarely are Americans willing to pack up their belongings and family for a small chance. If you want to move, you likely did the research first. You should know the area; you researched available jobs, and liked what you saw. By opting for an area where the poor economy has done little to harm the job market (and yes these communities do exist) you increase your chances of finding a job. Although there are no guarantees, you could find a job in as little as one week, but stay unemployed a year or more where you currently live.

The Cons of Moving to Find a New Job

You may lose your unemployment benefits. States have different rules and restrictions. Your unemployment benefits may transfer, you may keep receiving them, or not. For that reason, do not move just because you hear a state has a good job market. Use the internet to research these jobs and apply. Schedule a trip for interviews. Schedule many interviews in a two or three day period. If you get a job offer with a decent salary, then move. This step does involve extra travel expenses, but is less risky.

It may be hard to sell your home. If you are a renter, you could easily up and move with little to no complications. On the other hand, if you are a homeowner, you may have a hard time selling your home. Talk to a real estate agent. How are home sales in the area? Do they think your home will sell? If not, consider staying put or renting your home instead.

You get a clean slate. Above, getting a clean slate was listed as a pro to moving to find a new job after a layoff. How can it also be listed as a con? It works both ways. A clean slate is nice, but it has its downsides too. You are uprooted from those you know and love. Do you have children? You will relocate your children, forcing them to attend a new school. This may not bother your first grader, but what about your teenager? She is likely to have many objections. In fact, those objects may place a huge strain on your family. Is it worth it? Many feel only if they have a solid, well playing job lined up. Many feel it isn't work the risk to uproot their entire family based on a maybe.

As you can see, there are many pros and cons to moving to find a new job after a layoff. The decision is yours to make; however, you may find the best success with limited travel. As previously stated, apply for jobs online. Then, travel to job interviews. Once you have a job lined up, move.

How to Support Your Spouse After a Job Layoff

Job layoffs are becoming a weekly occurrence. Somewhere in America, at least one company decides to layoff employees. Layoffs are becoming so common that you may know someone dealing with one firsthand. In fact, that person may be your husband or wife. Losing a steady full-time income is stressful. You may have your own worries, but you need to be available to support your spouse after their job lay off. How?

Be there to talk. Sometimes, you just need to listen. Your husband or wife will go through different stages of emotions. Anger is usually the first. Listen to them rant and vent. Then, fear and panic usually comes next. Assure them everything will be okay. It may take a few months, but they will find a new job. Moreover, there is still your income to fall back on. If the situation does not improve, depression may come next. Unfortunately, your shoulder to cry on and ear to listen may not be enough. Professional help may be needed.

Talk about health insurance. Many families have two health insurance options, but rarely need two coverage plans. For that reason, either you or your spouse are providing health insurance for the family. If your wife was laid off and she provided insurance, closely examine all options. This should be done immediately to ensure your family, especially the children, are not without medical coverage. Is it cheaper to buy COBRA coverage or health insurance through your work?

Provide support with finding a new job. With the poor job market, it is harder to find a job after a layoff. There are millions of Americans looking for work. In the past, a job that may have only had 50 applicants may now get as many as 250. Your husband may have a great job interview, only to later learn he didn't get the job. Finding a job in today's economy isn't easy; it will be a bumpy road. Once again, be there to listen and provide support.

Tactfully provide advice. Some Americans getting laid off from their jobs have worked with the company ten, twenty, or even thirty years. If your spouse is one of these individuals, he or she likely hasn't job searched, applied for jobs, or had an interview in years. They may not know where to start and they are likely to make mistakes. It is easier to catch them from the outside looking in. Notice your wife isn't dressing properly for a job interview? Mention it, but be polite. In fact, offer to take her shopping to get a new outfit.

Give your spouse freedom to make a new choice. They may want to go back to college, take a few career-training courses, or even change career fields. As long as you can afford it, let them try. Not only that, offer your support and encouragement. Layoffs are scary, but they provide many Americans with a clean slate.

Don't expect your spouse to do it all at home. If actively looking for a job after a layoff, your spouse will be in and out of the house. However, much time will be spent right at home. Do not create unrealistic expectations. Yes, your wife is home each day; however, that does not mean you can expect her to have dinner ready each night, clean the house, and care for the kids. Take it one-step at a time. Of course, they should not spend their days at home sitting on the couch doing nothing, but don't overwhelm or burden them with too much.

Waiting Until Your Unemployment Benefits Run Out: The Pros and Cons

Were you recently laid off from your job? If so, you should have two choices. Laid off Americans are eligible for unemployment. You can collect your weekly unemployment benefits or find a new job. If given the choice, many Americas would collect their unemployment benefits and try to find a new job once they ran out. This seems like a good idea, but is it really?

The Pros of Waiting Until Your Unemployment Benefits Run Out

You are guaranteed money. States have different standards for unemployment. Either way, you know exactly how much you will get each week and for how long. The amount should not change. For the preset time determined by your state, you are guaranteed money. It will be less than your former paycheck, but it is still money. This money can help pay your mortgage and put food on the table.

You have the freedom to make choices. Receiving a layoff notice is a huge blow. For many, it causes emotional, physical, and financial problems. You will go through many emotions and likely start with anger. Over time, you may realize the unique opportunity a job layoff presents. You get a clean slate. Have you wanted to go back to college or change careers? There is no better time than the present.

You need to save money. This may seem like a downside to waiting until your unemployment runs out to find a new job, but it has benefits. You make less, so you need to cut expenses. You may get rid of your movie channels, buy a cheaper car, lower your cell phone minutes, eliminate unnecessary purchases, and use coupons at the grocery store. Either way, you save money. What you also do is practice good spending habits. They will start to happen naturally. If you keep these healthy habits after returning to work, you will find more money in your pocket. You can save that money, prepare for another layoff, or take a vacation with your family.

The Cons of Waiting Until Your Unemployment Benefits Run Out

The money is less. As previously stated, you should get unemployment benefits. These are nice, but they rarely come close to what you were making before. Although it is money, is it enough? Even with cutting costs and saving money, some still find themselves short. If you do not qualify for large unemployment checks, consider your alternatives. Don't deplete your savings or get into debt. Instead, start your job search sooner. The quicker you find a well-paying job, the quicker you overcome the financial problems that plague the laid off.

Others are on the same schedule as you. Say your employer laid off one thousand workers. All will apply for unemployment benefits at the same time and all will lose it at the same time. This means the same thousand people may be looking for a similar job at the same time. This increases your competition. Get a head start. At the very least, collect unemployment for one or two months and then start the job search. Just don't wait until the last minute.

It leaves a gap in your resume. Right now, layoffs are occurring all across the country and no industry is immune. Companies know this. A business owner interviewing you for a job will not look down at you because you were laid off. They know it is an unpleasant fact and due to the poor economy. A small gap in your resume due to a job layoff will not look bad, but a long gap will. Just by knowing the state's rules and restrictions for unemployment benefits and by looking at your resume, prospective employers can easily tell if you waited until the last minute to find a job. This shows procrastination, laziness, and lack of drive. It can hurt your chances of finding a new job.

Laid Off from Work? Increase Your Chances of Finding a New Job

Were you laid off from your job? Whether the layoff occurred two weeks ago or two months ago, you may want to jump right back in. Unemployment benefits are nice, but they likely rarely come close to the paycheck you were bringing home before. Unfortunately, the job outlook isn't good. All across the country, companies are cutting expenses. Many of the companies who aren't laying off workers have imposed freezes on hiring. Finding a new job may seem like an impossible task. However, there is work out there. You just need to know how to find it.

Use the internet to look for a new job. If you are 25 years old, you likely use the internet on a daily basis. However, if you are 50 years old, you may be lucky if you touch a computer twice a week. Internet use varies depending on age, computer access, and the time available to surf the web. When looking for a new job, your first thought may be to look in your local newspaper classified section. Do this, but also turn to the internet. There are many job search websites, like Monster.com. Companies also have employment sections, where open positions are listed on their websites, and much more. In the past, you may have only used the internet to communicate with friends, but now use it to find a job.

Post your resume online. As previously stated, there are many job search websites online. These websites, like Monster.com and CareerBuilder.com, have a large database of searchable and browseable jobs. Not only that, but they also allow you to create a free resume and post it online. You must take this step. Right now, there are millions of Americans looking for a job. A construction company posting a job listing online is likely to get thousands of applications, many from unskilled and unqualified candidates. Many of these companies save themselves time and forego posting a job listing. Instead, they rely on resume databases to find qualified candidates themselves. If your resume isn't posted online right now, get it up today!

Talk about your job layoff. Lets face it, getting laid off from your job likely wasn't your fault. It was due to the poor economy; however, it is still slightly embarrassing. At a party or bar, do you really want to say "I am laid off," when asked what you do for a living? Most likely, no. With that said, it can work to your advantage. Are you a construction worker who was recently laid off? You never know who you may meet at a party. There many be someone in the process of building their own home who needs skilled workers, a small business owner looking to expand, and so forth. Talking about your laid off status to strangers may seem embarrassing, but it may also open new doors for you. Of course, you don't want to tell your life story. When asked what you do for a living say "I normally work as a construction worker, but was recently the victim of companywide layoffs."

Take an entry-level job. Right about now you may be thinking that entry-level jobs pay less. Yes, they do. Think long-term. When it comes to promotions, many companies like to promote from within. This is your opportunity. If your unemployment will soon run out, you need a job. Don't discount low paying positions or even part-time work. The key is to not just show up for work and collect your paycheck each week. You want to give it your all. Arrive early to work, make good use of your time, and volunteer to work extra hours or take on new projects. Showcase your skills and show your new employer that you are a valuable asset to the company. You may find your part-time position going to full-time or you may find yourself working up the company ladder in no time at all.

How to Prepare for a Job Interview After a Layoff

Were you recently laid off from your job? If so, you have two choices. They usually include collecting unemployment for your preset time or finding a new job right away. Although many do not like to rush the process, you may want to jump right back in. With drive and determination, you could land a job interview in as little as one week. But, wait! What if it has been years since your last job interview? You are likely nervous. To help calm your nerves, continue reading on for a few helpful tips.

Practice explaining your unemployed situation. If you are jumping right in after being laid off from work, you could have an interview scheduled one week after losing your job. This is good, as it shows drive and determination. However, you may still be bitter. In this economy, many know layoffs are a common occurrence. The company you are interviewing with knows this. Do not be afraid to say you were laid off, but don't be bitter or negative about the company that let you go. Companies need good and positive thinking employees. Nothing shows your positive attitude more than handling a layoff with dignity and respect.

Research the company in question. Right now, your goal is to find a job. You may visit a company website, look solely at their careers or employment section, and then be on your way. Once you have scheduled an interview, do the research. Use the internet or ask around. You don't need to know the company's entire history, but have a general idea of who and what you are dealing with. For example, if applying for a manufacturing job, know what the company makes and some of their buyers. Find a suitable way to work the information you learned into the conversation. This shows drive, determination, and action.

Familiarize yourself with common interview questions. If you were laid off from a job you had for 10 years, you may not remember what an interview was like. Ask around or use the internet to research. Some of the common questions asked include: What are your strengths? What are your weaknesses? What are your goals in five months and then five years? Why do you want to work for the company? Why do you feel you will be a valuable asset? It is easier to prepare for a job interview after a layoff when you know what to expect.

Practice answering the above mentioned questions. At the very least, practice in front a mirror. It is best to use a trusted friend or relative. They can ask questions and give you feedback. If you get feedback, consider their suggestions. Yes, it is hard to hear you are sounding unprofessional, but the friend or relative in question has your best interest in mind. They are trying to bring an unbiased opinion to the table and help you land a job.

Dress for success. Even if applying for a job as a cashier or janitor, dress like you are on top of the word. Never show up in shorts or jeans. Fancy eveningwear is not required by any means, but look professional. Pants should be black or tan. Both men and women should opt for solid color polo or dress shirts.

Arrive early. Most recommend arriving on time, but you want to do more. Don't take unnecessary risks with heavy traffic or bad weather. Plan to arrive at least 15 minutes before your interview. You will have to wait, but it is worth it. The unemployment rate is high in the United States. Now, it is common for hundreds of people to apply for one position. Don't let being late immediately eliminate you.

Have a positive attitude. If you are used to working in an office and are now applying for the position of a retail cashier, you may be less than thrilled. You may consider it a step-down, but need the money. Yes, this can be depressing, but don't let your disappointment show. Be positive, speak clearly, and make eye contact.

How to Avoid Getting Laid Off from Your Job

It seems as if job layoffs are becoming a daily occurrence in the United States. It seems as if you can't turn on the television without hearing a news report of a company closing their doors, putting a freeze on new hires, or laying off current workers. You may be concerned with your job and rightfully so. Layoffs are tricky. Companies use different standards to determine who stays onboard and who stands in the unemployment line. Although there are no guarantees, you can take some steps to help save your job. What are they?

Know the risk of changing jobs right now. With the poor economy and job market, you may think it is better to find a new job. Why wait until you are laid off? Why not find steady employment before there are an additional 100 people in your community looking for the same job. This is a good theory, but consider the industry first. The auto and manufacturing industries are in poor shape. These plants are the ones cutting back costs and laying off workers the most. Therefore, you leave your current job working at an air conditioning manufacturer to find a new job making auto parts. Great, but what if your new employer decides two months down the line that they too need to cut costs? As a new employee, you may be the first to go. Many companies base who get laid off on seniority. The newer employees are often the first to go.

Offer to take a pay cut. Right about now, you may be thinking "why on earth would I offer to take a pay cut?" This is a good question. Don't walk into work one morning offering to work for less pay. You should keep this as last resort. Use it as a last ditch attempt to keep your job. Did you just receive a layoff notice? If so, consider visiting the office of your supervisor. Explain the layoff will hurt you financially, but that you also understand the company needs to cut costs. Offer to take a reasonable pay cut. Once again, there are no guarantees, but it might help to save your job. Before taking this approach, estimate your unemployment. Would you make more from unemployment or with a pay cut?

Pay attention during company reviews. Many companies review their employees once or twice a year. This review may entail a meeting with your supervisor or just getting a sheet of paper with their findings. Either way, look at your review, what you need to improve on, and take all suggestions to heart. Many companies layoff workers based on seniority, but others try to get rid of the poor quality and poor performing workers first. Show your supervisors that you are a valuable asset. This best way to do this is to take any criticism you receive, set goals, and make the change. If your bosses notice a significant improvement in your work performance, they may reconsider laying you off.

Showcase your ability to perform more than one task. Whether you work in an office, in a factory, or in the field, do more than just your job. Did you overhear your boss saying they are short staffed in the mailroom? You may be a secretary, but offer to stay late to help. Not only does this show drive and determination, but it also showcases your skills to do different tasks. In addition to laying off workers, some companies are restructuring. This means a sales representative now may work as a secretary, and so forth. In the event your company decides to layoff and restructure, make sure your supervisors know you are willing to try anything to keep your job.

Increase your worth with night classes or career training classes. One of the reasons why new employees are often the first to go is because of their lack of experience. You can compensate for this with job training. Take a college class online or at night or enroll in a career-training course at your local vocational training center. Don't just do it, but talk about it with your supervisors. They need to know that you are taking the steps to get additional training and will be a valuable asset to the company.

In short, there are no guarantees these steps will spare you from unemployment. Luckily, they are easy to implement and it will not hurt to try them. If you suspect your job is in jeopardy or have just received a layoff notice, don't sit back and wait. Take action today.

How to Cope with the Stress of Being Laid Off from Work

With the economy and job market in shambles, layoffs are becoming a common occurrence. If you find yourself waiting in the unemployment line, it may seem like the end of the word. It is not uncommon for laid off workers to get consumed with stress, anger, and depression. How do you avoid these negative emotions? Is it possible to cope with the stress of being laid off from work? Yes.

Know you likely did nothing wrong. One of the first things laid off Americans ask themselves is "what did I do to deserve this?" It is likely you did nothing at all. Layoffs are rarely personal. Businesses all across the country are suffering from the poor economy. To stay afloat financially, they need to cut costs. Unfortunately, hardworking employees are often the first to go. Remember, it is not personal, but economic. If you did something wrong or were a poor performing employee, the company would have fired you, not taken the layoff route.

Get your unemployment taken care of right away. Many states have waiting periods to file for unemployment. Wait that long and no longer. The quicker you get your unemployment benefits up and running, the more comfort you will feel. Yes, you aren't making as much money as you did working, but at least you will get something.

Think positive. Getting laid off from work is one of the most negative things that can happen to a person, but look at the good side. Yes, there really is one. You are basically getting a clean slate. Did you work construction and think "there is no way my body can handle this for another 20 years?" Take your clean slate and make good decisions. Consider a new career field. Go back to college or take training classes at a local vocational center.

Take up a hobby. Due to unemployment benefits and the poor job market, many unemployed Americans are not actively looking for a new job. There just aren't as many out there. You should always look for a new job because you never know what you may find. If you keep on hitting roadblocks don't sit at home and stress about it. Instead, take up a new hobby. Do repairs around your home, start a collection, or whatever else interests you. In fact, consider turning that hobby into a profit. Do you enjoy woodworking? Can you sell your creations on the side for extra money?

Start to exercise. Many mistakenly believe exercise is only for those who want to lose weight or stay in perfect shape. That is not the case. Experts have long said that exercise helps to reduce stress. You were just laid off from your job. Stress consumes you. Release it by taking daily walks or runs. At the very least, you should notice an improvement in your health. However, you should also notice an improvement in your overall outlook on life and wellbeing.

Reduce your expenses. Looking over your monthly budget to trim costs may be stressful itself, but it can do wonders in the end. One of the most common questions Americans ask after receiving a layoff notice is "how can I pay my mortgage?" Your unemployment benefits are likely less than your working paycheck was. You need to cut corners and expenses. You don't necessarily need to go without. Reduce the cost of your phone, internet, and television by opting for cheaper packages. Limit impulse purchase and use coupons at the grocery store. There are many ways to cut monthly expenses. Familiarize yourself with these steps and implement them immediately. You will feel in control and watch as your financial stress and concerns diminish.

As you can see, there are many ways that you can curb the stress you are feeling due to a layoff. At first, being laid off from your job will seem like the end of the world. This is a normal feeling that all laid off workers experience. Don't let it consume you though. Take action today and you will feel like a new person with a new outlook on life.

How to Prepare for a Layoff

Right away, you may be thinking "why on earth am I reading an article on how to prepare for a layoff?" Yes, this is a good question. We are all encouraged to think positive about the job market, our careers, and the economy. That much easier said than done. Rarely does a day go by without the evening news mentioning a company closing down, laying off workers, or imposing a freeze on hiring. Will you be next? Honestly, you might be. You know the economy and job market is bad when both schools and hospitals are laying off workers. Aren't teachers and healthcare workers essential? Yes, they are. That is what makes this whole ordeal scary.

As previously stated, companies, businesses, and all industries are impacted by the poor economy. Workers once considered essential components of a company are now left standing in the unemployment line. When it comes to preparing for a layoff, it is important to start out small. There is no need to get worked up and panic for nothing. With that said, it is always good to be prepared. Whether you know your company is losing money or hear layoff rumors floating around, now is the time to act.

So, how can you prepare for a layoff that may or may not come?

Update your resume. If you have worked at the same factory for ten or more years, you likely haven't touched your resume in that same amount of time. In fact, do you even have a resume? If you hear rumors of layoffs, it will not hurt to be prepared. Brush off your resume or create a new one. You can hire a professional resume writer or use the internet to find free resume templates. Use these templates as a guide.

Take a few college classes or career training classes. When possibly facing layoffs, look at the big picture. How much job experience and training do you have in your field and how many jobs are available in that field? Right now, factory jobs are in trouble. Americans working in manufacturing plants are more likely to experience layoffs and find it harder to land a new job. Increase your chances by taking a couple of college classes at night or online or career training classes. They can open up new doors and also give you an advantage over other job seekers.

Start saving money. The biggest concern of Americans laid off and those who anticipate a layoff is with finances. Unemployment benefits rarely come close to what a working American was brining home each week. Since you will have less income coming in, you must spend less. This is not an easy transition. Get started now. Look at your phone, internet, and television packages. Opt for cheaper ones. Eliminate unnecessary purchases, use coupons at the grocery store, and so forth. If you get laid off from your job, you are prepared. If you are lucky and continue working as normal, you have extra money in your pocket.

Work on supplementing your income. With this step, you need to proceed with caution. There are many ways to make money online, but there are also scams. Although the internet is a tricky way to make money, it is usually one of your best options. When making extra money from home, you are usually classified as a contract worker, not an employee. If you walk into your local pizza joint and get a part-time job as a delivery person, you are an employee. Should you get laid off from your full-time job, unemployment benefits may be denied, as you are still technically employed. In addition to supplementing your income, work on raising extra money. Look around your home. Gather unused or unwanted items and host a yard sale or sell them on eBay. Find spare coins to take to the bank.

Have a game plan in place. Although there are no guarantees you will be laid off from your job, it is still important to consider the risk. If you hear rumors or know your company is in financial trouble, it will not hurt to be prepared or have a plan. What do you want to do? Will it be cheaper to find a low paying job or collect unemployment and take your time looking? Do you want to stay in your current industry or go back to school and try a new path? Ask yourself these questions in advance to be prepared.

Laid Off? Pros and Cons of Taking Part Time Work

Were you laid off from your job? Whether that layoff happened three weeks ago or three months ago, you may want to jump right back into work. Unfortunately, the job market has taken a hit all across the country. Jobs are out there, but they can be difficult to find. For that reason, you may be willing to accept a part-time job, but it the best choice? It depends. To determine if going back to work part-time is ideal for you, familiarize yourself with the pros and cons of doing so.

The Pros of Taking Part-time Work after a Layoff

There is money coming in. When you have a job, you make money. It is simple as that. If your unemployment benefits are running out or if you were denied unemployment, you may not have a choice. You need to put food on the table and pay your bills. If you are in this situation, you should be willing to accept anything. That includes a lower paying part-time job. Luckily, it does not have to last forever. You can move on when you find a stronger, stable opportunity.

That part-time job can turn into much more. Although the economy and job market are in poor shape now, it will not last forever. Both will make a comeback in time. Companies will rebound and make more money. They can pay their employees more and offer part-time employees full-time work. Moreover, it shows action on your part. Honestly, most people would not take a part-time job after getting laid off from work unless it was a life or death situation. Not you. You decided you wanted to work and found a job, even if it wasn't what you were accustomed to. This drive and determination can help you work your way up the company ladder, as many like to promote from within.

You are out of the house. After a job layoff, expenses need to be cut. This often translates into staying home more. After a while, you may get used to spending all day at home. Also, anger, sadness, fear, and depression is common with job layoffs. Even if you can afford to get out of the house, you may not want to. This is often where the downward spiral begins. Whether you feel the onset of depression or are just restless from staying home too much, get a part-time job. It will not only help your wallet, but your overall wellbeing too.

The Cons of Taking Part-time Work after a Layoff

The money is from a part-time job, so it is less. For that reason, many laid off Americans use a part-time job as a last resort. They wait until their unemployment runs out. Be careful if you don't want to wait. Compare the income made from a part-time job to your current unemployment checks. If your goal is to put food on the table and pay your bills, opt for the choice that gives you the most, even if it is collecting unemployment. In that case, don't get a part-time job. Continue to look for steady full-time income, but take up a hobby too.

You may lose your unemployment benefits. As previously stated, those eligible to receive unemployment for more months want to compare the two. Although only employed part-time, you are still employed. This makes you no longer eligible to receive unemployment. As stated above, a part-time job translates into a part-time income. Is it really worth it to lose your $300 weekly unemployment check for a $150 a week part-time job?

Pending Layoffs: How to Prepare

Job layoffs are increasing in frequency all across the country. Due to the poor economy, businesses in all industries need to reduce costs. Unfortunately, one of the most effective cost cutting measures is laying off valuable employees. You may be one of those employees.

Many laid off workers are given small severance packages, but no notices. They may arrive for work, work for two hours, and have a late morning meeting. After that meeting, they have one hour to clean out their offices or lockers and leave. On the other hand, you may be one of the lucky ones. Yes, you still got a layoff notice, but it is a pending layoff notice. You may still have a job for one month or one year, but the layoff is still coming.

Pending layoffs are different than immediate layoffs, so what should you do to prepare for them?

Estimate your unemployment. If you were laid off and do not have a second job, you should qualify for unemployment. Your state uses a specific formula to calculate your benefits. Find this formula on their website. Take your weekly unemployment benefits and create a monthly total. This is how much you have available to spend each month. If married or living with a romantic partner, add their income. This is now how much income your household as a whole has to survive on.

Determine if you can afford the basics. Unless you were already living above your means or had money management problems, you should be okay with the necessities. These include rent, mortgage, car payments, utility bills, food and so forth. Luckily, there are many ways to reduce the cost of utilities and food. If your car is too expensive, sell and buy a cheaper one. If you cannot afford the cost of your mortgage or rent and do not anticipate finding a new job right away, consider moving to a cheaper house or apartment.

Track your expenses to eliminate unnecessary purchases. There is a difference between paying your monthly rent or mortgage payment and buying a cup of coffee from Starbucks once a day. To eliminate unnecessary purchases, you must first know what they are. Track your expenses for one or two weeks. Write down everything you buy. Then, look at the list. Eliminate anything you can do without or make cheaper alternatives for. For example, instead of buying a Starbucks coffee once a day, make your own coffee at home.

Put forth extra effort at work. You received a pending layoff notice. That notice said that in X amount of days, whether it be 90 days or 300, you will be without a job. This might cause most people to slack off at work. You should do the exact opposite. Layoff notices are not 100% guarantees. Something may change in that time. Other employees may opt to leave on their own, the company may see an increase in profits, or get financial help from the government. Layoffs are still likely, but the number laid off can easily go from 100 to 75. Would you like to be one of those 25 who kept their jobs? Put forth extra effort at work and you may be.

Look for new jobs. This is tricky, as you are still working. Fortunately, your employer handed you an official layoff notice. There will be no awkwardness when your current employer gets a call asking about your work history. They anticipate this. Feel free to apply for new jobs. In fact, you should. On that same note, keep your estimated unemployment benefits in mind. Don't rush to find a lower paying job if your unemployment benefits will be more. If they are, take the time to find a steady and well-paying job.

Laid Off Workers: Find a Job with These Online Search Tips

If you were recently laid off from your job, you may be actively searching for another. This is good. Too many Americans hold off and wait until their unemployment runs out. The job market will improve, but your unemployment may run out before then. Don't be left in the dust; get started today. For the best luck, use the internet to help you find a job and continue reading on for some helpful job search tips.

Be on the lookout for scams. Internet scams are most common with work at home jobs, but they now target everything and everyone. Be smart. Never give your social security number to someone you met online. Online job applications may ask for this information, but use caution. If you haven't heard of the company before, check online consumer reporting websites or with the Better Business Bureau (BBB).

Join more than one job search website. You might assume all job search websites are the same, but they aren't. They have different job listings and do business with different companies. Each company must pay to post a listing. Why would they pay for four different listings on four different websites, when one would do? They likely would not. That is why you need to search all them all. To get started, visit Monster.com and CareerBuilder.com. Perform a standard internet search to find more.

Post your resume online. Not only do job search websites allow you to search and browse their large database of open positions, but most also allow you to post a resume. If your resume is not listed online, get it there immediately. Many job search websites offer this as a free service. Due to the high unemployment rate, job listings are likely to receive thousands of applications. Not all are applicants are qualified for the job. To save money and time, some companies forego the job listing and search resume databases themselves.

Visit company websites. Many companies use the internet to advertise and create buzz, even if not actually selling a product online. If you are looking for a local job, perform a standard internet search with the names of local companies. Visit websites when you find them. Scan the page and look for an "Employment," "Careers," or "Jobs," link. This link typically appears towards the bottom of the page and in smaller print. Although many still use job search websites and newspaper classified sections, others save their money and only list open positions on their websites.

Network online. When it comes to networking, many of us automatically think of social networking websites. You don't have to go out and create a MySpace account, but use message boards. They have different themes. If you are a construction worker, find a forum for construction workers. If you are a retail manager, find a message board for retail workers, and so forth. Many topics are discussed, including tips on find a job, companies that are hiring, and so forth.

Online newspaper editions. Due to the troubling economy, many newspapers are cutting back costs. Americans like to get their news online and papers know that. They have invested more time and money into their online editions. Perform a standard internet search to find the websites of your local newspapers. Scan the website and look for an employment or classified section. Occasionally, the jobs listed are different from those in the printed paper.

Watch your time online and spend it wisely. The internet is tricky. It is easy to start out searching for a job and then find yourself sidetracked. There are thousands of great, entertaining websites and even more games. Try to keep web surfing and game playing separate from job searching.

Laid Off? How to Find Work Quick

Were you recently laid off from work? Were you denied unemployment benefits? Are your benefits about to run out? If so, you are in a financial pinch. You are no longer working and bringing home money. How will you and your family survive? How can you find work quick? Continue reading on to find out.

Note: These steps are recommended for those who were denied unemployment, are losing it soon, or need more than unemployment benefits provide. Unemployment benefits are designed to assist laid off workers like yourself. Do not find a job only to be let go in a new round of layoffs the following month. If your unemployment benefits are good, take the time to find a quality, stable, and well-paying job. Nevertheless, if you don't have any choice:

Make it known you are willing to return to work. Layoffs occur for many different reasons. Some companies are going out of business, but others just need to reduce their operating expenses. If your company is only letting a few employees go, talk to your supervisor or the company owner. Let them know you would be willing to return to work if and when things improved. You can also improve your chances with offering to take a small reasonable pay cut.

Look for temporary work. Your best chance of finding temporary work is to partner with a temporary staffing firm. Yes, these jobs may only last a day or two, but you can sometimes get lucky. Are you an office secretary? If so, you could replace a sick worker for one day only, but also be the replacement for a pregnant woman on bed rest or a new mom on maternity leave. These types of replacements tend to last two months!

Use the services of a staffing agency. In addition to companies that connect employers with temporary workers, there are those that deal with full-time employment. When a company needs to hire workers in a rush, they often turn to staffing agencies. These agencies already have a collection of resumes on hand. Many promise not to send unqualified candidates too. If a business could wait one month for new hires, they are likely to go through the long process of posting a job listing online or in a newspaper classified section. However, those in a rush often turn to staffing agencies. Private agencies are likely to charge a fee. State or county sponsered programs are usually free.

Place an advertisement in your local newspaper advertising you are available for odd jobs. Odd jobs are a great way to raise extra cash fast. If you play your cards right, they can also turn into a business or a long-term moneymaking possibility. Did you work as a janitor? Offer to clean homes for a cheap rate. Did you work as a professional roofer? Offer affordable roofing jobs, including simple repairs. Since you are not an actual company, you should charge lower rates. Luckily, these lower rates will attract more customers. More customers equal more jobs, which should translate into more income.

As you can see, there are many ways to find a work in rush, especially after a job layoff. Luckily, these are just a few of your options. One word of caution, be careful with work-at-home opportunities online. It is more than possible to make money from home, but the internet is litter with scams.

Laid Off From Your Job? Tips To Get Organized Now

Did you just receive a layoff notice? If so, there is a lot you need to do. You need to update your resume, apply for unemployment benefits, work on reducing your spending, and so forth. This is a lot for one person to take on, especially when they are already consumed with anger, sadness, and fear. If you were recently laid off from your job, you need to get organized and now. What should you do?

First, know what areas of your life need to be organized. As previously stated, you need to apply for unemployment, update your resume, and work on reducing costs. Right there is three things. Go to your local dollar store and purchase three cheap folders. You can usually get two or three for $1. Label each folder. Have one folder for unemployment, another devoted to your resume and job searching, and one for reducing expenses.

As for reducing your expenses, there are many ways to get started. Create a list. Keep this list in your folder. Think of everything you spend money on and write it down. This includes rent or mortgage, car payments, car insurance payments, gas, utilities, food, clothes, and so forth. Next to each item, write a few moneysaving suggestions. For your television, reduce your package. Do you really need 200 channels? Not if you can't afford them. For food, shop at stores with low prices, opt for cheaper brands, and use grocery coupons. These are your goals. Over the next few months, make it your goal to accomplish each. In no time at all, you will start saving money. This money can compensate for the difference in your normal income to your lower unemployment checks.

As for your unemployment, keep anything related to your job layoff and benefits in this folder. Save your official layoff notice, documents from your severance package, and so forth. If you can copy your unemployment application, do so and keep a record. If you receive a paper check, as opposed to direct deposits in your checking account or on a bankcard, you should receive payment stub. This is similar to the one attached to your former paychecks. Save them. Also, place a calendar in this folder. Mark the date in which your unemployment benefits will cease. Look at this calendar daily. Make it your goal to have a new job before this date.

As for your job search tools, have an updated copy of your resume in this folder. In fact, have many copies available. Have them ready to send out. Make notes and keep them in your folder. You should make note of any job you are interested in applying for, jobs you have applied to, job interviews you have scheduled and so forth. After attending a job interview, make note of jobs you did not get. This will save you time, as you aren't mistakenly applying for the same job repeatedly.

Outlined above were a few suggestions for getting organized after receiving a job layoff notice. Whether you received your layoff notice yesterday or three months ago, it is never too late to get organized. Organization will make it easier to deal with the change, overcome it, and get back on your feet. Don't let poor organization cost you your unemployment benefits, lead to debt, or delay the process of finding a new job.

How to Help a Friend or Relative Through a Lay Off

Layoffs are happening all across the country and they continue to increase. If you weren't laid off yourself, you likely know someone who was. In fact, that person may be a close friend or relative. How can you help them through this troubling time?

Be available to listen. As a close friend or relative, you should be that shoulder to cry on or that listening ear. Most of their talk will start out as rants. This is okay. Your first thought may be to say "get over it and find a new job." As much as you have the urge, suppress it. After a life-changing event, like a job layoff, we all need to rant, vent, and whine. Let them. This stage will pass. In no time at all, you will be listening to them talk about their job interviews or new coworkers.

Carefully provide advice. Once the shock wears offer, advice from others is regularly sought. Your friend or relative may ask for advice on finding a new job, how to save money, and so forth. When that point comes, proceed with caution. The wrong tone can cause a serious strain on your relationship. It is best to avoid unsolicited advice, especially at first. Wait until you are asked or approach the subject carefully. Never talk down to them.

Offer your assistance. Was it your 50-year-old uncle that was laid off from work? Has he never touched a computer in years? In fact, does he even have a computer? Offer your assistance with help finding a new job. You can help get him setup with a computer and internet access or let him use yours. If you like to write, offer to compose his resume or review it. Many Americans who are laid off haven't been job searching in years. Your help will be appreciated. Moreover, it comes from the heart and is free.

Send along job information. If you know your close friend or relative is looking for a job, be on the lookout yourself. Did you come across a job posting online or hear at a party that a local company is hiring? After getting laid off from work, many suffer depression and enter into seclusion. Those not feeling these emotions still need to cut costs, so they spend more time at home. They are not out networking, but you are.

Be positive. When dealing with a close friend or relative who was recently laid off, it is important to always be upbeat and positive. Most importantly, watch what you complain about. Your best friend just got laid off from work. He may be on the verge of losing his home. Say, you need to spend $400 to put new tires on your truck. This added expense is not welcomed, but the two do not compare. Always watch what you say around someone laid off and be positive at all times.

Offer to watch their kids during job interviews. If the friend or relative you know has small children, he or she is likely home with them right now. Terminating daycare services is one of the first things unemployed parents too. It is too costly. Unfortunately, this may impact their ability to find a new job. If you have freedom and flexibility, offer to watch their children during a job interview. This small step goes a long way.

Do not start handing out cash. Above was a list of things you should do when dealing with a close friend or relative who was laid off from work. One thing you should not do is start handing out cash. Your loved one will experience financial complications. Good choices, such as reducing expenses, should limit the financial hardship. Better alternatives include bring a few extra groceries by their house, offering to pay for lunch twice a month, and so forth. Giving your best friend a $1,000 loan sounds like a good deed, but this is where many relationships and friendships go bad.

Significant Cutbacks That Can Help You Avoid Debt After a Job Layoff

Were you recently laid off from work? If so, you may be in financial distress. Even those who collect unemployment benefits barely find themselves scraping by. If you are one of those individuals, you need to make significant cutbacks. What might those cutbacks entail?

Sell your house. If you live in a home with an expensive mortgage that you cannot afford and if you do not anticipate finding a job in the next two or three months, get out now. Try to sell your home before your credit is severely impacted. Luckily, the housing market is starting to slowly improve in many areas of the country. Layoffs are increasing in frequency, but many Americans still have their jobs and can get a loan. List your home for sale based on its last appraised value or fair market value. Don't sell yourself short, but middle class family homes, in the $75,000 to $150,000 range are easier to sell.

If you have been trying to sell your home and cannot, do you have extra room? If so, rent out a room. Do backgrounds check and check references. This can help offset the cost of a mortgage you cannot afford. In addition, right now many Americans have steady income, but poor credit. These Americans cannot get a home loan, even though they could likely afford one. For that reason, consider renting your home. This is ideal if your house is too big, but do not feel comfortable living with a stranger. Use the incoming rent to pay the mortgage. Use your spouse's income or your unemployment check to pay rent on a much smaller and cheaper apartment.

Find a new apartment. If you are renter, as opposed to a homeowner, is your rent too expensive? Can you no longer afford it or will you barley be scraping by? If so, look for a new place to live. If you have children, you may want to keep them in their same schools. This is good, but live where you can afford. A city may have an average rent of $1,000. However, fifteen minutes away a smaller town may have an average rent of $500 a month. Due to the poor economy, many landlords are releasing tenants from their contracts with appropriate notice, such as 30 or 60 days.

Sell your car and buy a cheaper one. Your best avenue is to sell the car outright yourself. List it for sale in newspaper classified sections, Craigslist.org, and other places online. Consider the value of your car. Set a fair selling price, but make sure you have enough to payoff the rest of your automobile loan and buy a cheaper, used car. Driving around a used "old clunker," may not be what you had in mind, but you can find quality used cars for $1,000 to $5,000. Right now, you need something that runs and gets you from point a to point b. As for just selling you car, this isn't recommended. Even if there is public transportation in your area, remember the poor job market. When find a new job, it may be two or three town away.

Look at the cost of your landline and cell phone. Do you have both? Many see success with replacing their landline phones with cell phones. If you can't, practice talking on your cell phone less and lower the minutes. If you can get out of your cell phone contract without large fees, do it. Get a prepaid phone and use it for emergencies only.

Lower the cost of your internet. Many times, internet access is considered an extra. Yes, it technically is. However, it is now a job search tool for you. If actively looking for a new job, you need internet access. Don't cancel yours. Instead, look for cheaper lower speed packages or opt for dial up access instead.

Lower the cost of your television. If you have internet access, consider doing away with your television altogether. You can get your local news and weather online. If you want television, get the local channels only. You don't need one hundred or more channels, many of which you never watch. Luckily, most shows are now streamed online for free. In addition, the season DVD will soon be released on Netflix. Speaking of Netflix, if you do away with television, consider a subscription. For less than $20 a month, you can get unlimited movies with three movies at a time!

The above mentioned lifestyle changes may sound significant and impossible to make, but remember your financial situation. You were laid off from work. It may be one month before you find a new job, but it may be one year or more. Don't fall victim to debt, take charge now.

When Getting a Lay Off Notice: 5 Things Not to Do

Job layoffs are happening all across the country. Americans in once stable jobs are now finding themselves unemployed and in standing in the unemployment line. For some, a job layoff comes as a complete shock. Due to that unexpected shock, many unemployed Americans make costly mistakes. Five of these mistakes are highlighted below and you should avoid them at all costs.

So, what should you not do after getting a layoff notice?

1 � Do Not Walk Off the Job

When getting laid off, some workers are asked to collect their belongings and vacate the property immediately. Others are given a specific date. For example, they will work three more weeks and then be laid off. If your employer gives you a pending layoff notice, as opposed to an immediate one, do not walk off the job in a fit of rage. Yes, you were blindsided. Yes, you have every reason to be angry. However, you cannot let those emotions dictate your actions. If your employer says you must work for three more weeks, you must. If you walk off the job early, you weren't laid off. Instead, you quit. You may no longer qualify for unemployment benefits.

2 � Do Not Burn Bridges

In addition to not walking off the job in a fit of rage, you must leave gracefully. Do not burn bridges. Telling your supervisor or the company owner exactly how you feel seems like a good idea at the time, but it has serious consequences. Did you know that not all layoffs are 100% permanent? Some companies use them as a temporary way to cut costs. When a company starts to recover, many hire back some of their laid off workers. Do you want to be one? You won't be if you use fowl language, scream, or call your boss names.

3 � Do Not Let Your Emotions Consume You

Those who get laid off from work experience a wide array of options. Anger is often the first. Then, comes fear. For some, depression sets in. Whatever you are feeling, do not let it consume you. Those who let their emotions get the best of them often experience complications with friends and family. These are the people you need the most now. You need the support of loved ones. Whatever emotion you are feeling, whether it be anger, fear, or sadness, take it and turn it into something good. Create goals for yourself, work on finding a new job, familiarize yourself with popular stress relaxation tips, and so forth.

4 � Do Not Spend Like Normal

If you are laid off, you should be able to collect unemployment benefits. This weekly money is nice, but it will not be near what you were making before. This is where many jobless Americans run into trouble. They have less money to spend, but they keep their old spending habits. If you do, you will find yourself on the fast track to debt. After receiving your first unemployment check, sit down and total your monthly income. Add your check to additional income, such as your spouse's. This is how much you have available to spend. If your expenses total more, work on reducing them.

5 � Do Not Treat a Layoff Like a Paid Vacation

Unemployment benefits are available for laid off American workers. Yes, you deserve this money, but don't treat unemployment like a vacation. It is nice receiving a paycheck for sitting at home, but there are risks involved too. Your unemployment will not last forever. After months of sitting at home, you may have grown accustomed to doing nothing. It will be harder to get back into the swing of things. Do not let this happen. You don't have to rush to find a new job. Take time to find a well-paying and stable job. Just try to avoid sitting at home. Get out and socialize with friends, take a career training class, or go for daily walks.

What to Do When You Can't Find a Job after a Layoff

If you were laid off from your job, you should actively be searching for a new one. Unfortunately, the search may not go as you had hoped. Millions of Americans are unemployed. All of those people are looking for jobs. The competition is fierce and the number of available jobs is limited. What should you do if you keep hitting roadblocks? What should you do if you haven't found a job after actively searching for months?

Don't get stressed and do not panic. Job layoffs are scary. An income is lost. Many Americans qualify for unemployment benefits and some receive good severance packages, but they do not last forever. After searching four months for a job, panic is likely to set in. You may wonder how you will pay the mortgage or how you will put food on the table. Panic will not do any good. In fact, it just makes the situation worse. If you haven't already, work on reducing expenses at home. Shut off your cable or satellite television, even just temporarily. Save money any way that you can.

Don't give up. If you have been actively searching for a job for four months, you could have easily attended 100 job interviews. However, you are still unemployed. Talk about depressing. Nothing feels worse than having 100 people basically say you are not good enough for the job. You may want to stop looking altogether, but don't. Keep your head held high. Layoffs influence many. You may have had 20 years experience working as an auto mechanic, but they may have hired someone with 30 years. It does not mean you aren't good enough for the job, someone just had more experience.

Slightly lower your standards. If you worked as a retail district manager, you held a high position. You were in charge of store managers, who were in charge of their employees. The poor economy has impacted retail stores all across the country. Companies are downsizing and closing many stores. Now is not the best time to find a well-paying job as a district manager. For that reason, consider slightly lowering your standards. Apply for store manager or assistant manager jobs. You are more than qualified. Yes, the pay is less, but at least it is a job.

Look for part-time work. After a job layoff, many Americans want to get back to work. Unfortunately, everyone wants the same type of job with the same type of pay. This is full-time work, as it provides better pay and benefits. Full-time positions have the most competition. Keep applying for these jobs, but consider using a part-time job to fill the void. If unemployment was denied or if those benefits are running out, you may not have a choice. Luckily, part-time jobs don't have to last forever.

Do odd jobs around your community. Before getting laid off, did you work as a construction worker, landscaper, or in another similar field? If so, you provide a service. These services are always in demand. You may have experience building schools, but why not help an older woman in your community rebuild her garage? You may have been a landscape designer, but why not mow lawns for extra cash? Odd jobs are not steady, but they will bring you much needed money.

Consider starting your own business. With the poor economy, you may think now is not the best time to start a business. It depends. Some communities have skyrocketing unemployment rates, while others only saw a slight increase. If your community was one, you could easily start a business and see profits. The key is to choose your location wisely, as well as your business. Do not start a dollar store if your small community already has one. Do not start a lawn mowing business unless you intend to charge fair and reasonable prices. As previously stated, odd jobs are a great way to put food on the table. They are a great way to test the waters for starting a new business.

Laid Off from Work? How to Stay Afloat Financially

If you find yourself one of the millions of Americans without a job due to a layoff, you may start to worry about your finances. Even if you collect unemployment benefits and are lucky enough to get a severance package, they don't come close to what you were making before. Most importantly, they will not last forever. So, how can you ensure you stay afloat financially when laid off from work?

The single most important thing to know and always remember is the phrase "live within your means." First, you must know what they are. Take your weekly unemployment check and add any additional income, like from a working spouse. Times that by four. This total is what you must live from each month. Since you are making less, you need to spend less. Continue reading on for a few good ideas.

If you had health insurance through your job, do not fret right away. You have the option to extend your coverage through COBRA. Unfortunately, it can be very expensive. Check your options first. Would it be cheaper to get COBRA or purchase insurance directly through a provider? If you are married, can you get health insurance coverage through your spouse? Also, check with your state. Since you are making much less, you may qualify for government sponsered programs, such as Medicaid or Health Plus.

Reduce your use and the cost of paid services. Paid services include everything from house cleaning to childcare to getting your nails done twice a month. Yes, you may get an affordable rate, but that rate will significantly add up overtime. If you do not anticipate finding a job in a month or two, discontinue childcare. Watch your kids and rely on friends and family to help you for job interviews and errands. Other moneysaving tips for paid services include mowing your own lawn, doing your own nails, and having a friend cut or highlight your hair.

Do not rely on credit cards to survive. This will not only save you money in the long-run, but also help you avoid debt. Now is the time to cut up multiple credit cards. It is just too risky to have them. One credit card is good for emergencies, but know how to use it properly.

Lower the cost of your car. Start with the car itself. Is it paid off? If so, you are good. If not, can you afford the monthly payments? If not, now is the time to consider selling and buying a cheaper used vehicle. Don't wait until your vehicle is about to be repossessed due to non-payment. Then, focus on car insurance. If you have a good driving record, call around to get a cheaper rate.

Reduce the cost of necessary utilities. For the heat, turn it down a few degrees in the winter. In the summer, be cautious with air conditioning. Keep your air conditioner turned on at a reasonable temperature, run only when needed, and use fans too. For water, work on shortening the length of your showers, do not leave the water running when doing dishes, and only run the dishwasher when full. As for electricity, keep all lights, the television, and computer shut off when they aren't in use. Also, look for a cheaper phone, internet, and television package.

The above mentioned steps are just a few you can take to avoid debt after a job layoff. Your goal is to live within your means. That involves cutting costs. Spend less and do not rely on credit cards; you should survive this financial complication unscathed.

Laid Off? Jump Back in and Find a Job Today

Did you recently receive a job layoff notice? If so, do you want to stay at home and collect unemployment for a while or jump right back into the game and find a new job? If you want to find a job and quick, please continue reading on for some helpful advice.

Deal with your emotions right away. Receiving a layoff notice at work isn't just having a bad day. To some, it feels like the end of the world. You will go through many emotions. Most start with anger, then fear, and occasionally depression. It is normal to be upset, sad, and fearful. The key is to deal with these emotions as soon as possible. The quicker you overcome them, the quicker you can move on and find a new job.

Make it known you are willing to return to work and even with a reasonable pay cut. Not all layoffs are permanent. Many companies use them as a temporary way to cut costs. The economy will bounce back. Instead of hiring new untrained workers, many just call back those laid off. If you were employed by a small business owner or were close with your supervisor, ensure they know you are willing to return to work. If willing to take a reasonable pay cut, like $1 or $2 an hour, state so. In fact, your willingness to take a pay cut could save you from a job layoff.

Brush up on your resume. Since your employment status changed, you need to update your resume. Not only that, make necessary changes. Edit the format to make it more readable and so forth. If you do not have a resume, hire a professional resume writer or perform an internet search to find free resume templates. Copy and paste a resume template into Microsoft Works or Word, then add in your information. Your previous job as a retail store cashier may have only required an application, not a resume. Still, have one for your job search.

Review your resume once written, printed, and proofread. The goal is to look at where you stand. What do you bring to the table? If you do not have a lot to offer, consider job training classes or even going back to college. If you get unemployment benefits, you should have the financial freedom to do so. If you want to find a job in today's poor economy, you need to make yourself a valuable asset. This includes having updated training and on-the-job experience.

Don't set high standards, but rather realistic ones. If your job in construction paid $650 each week, it is only natural to want that paycheck again. However, think reasonable. What attributed to your $650 a week paycheck? Were you a 10-year employee who received a raise each year? Did someone you know hire you? Not all companies pay the same. In fact, some are taking advantage of the poor job market. They know Americans need jobs and are willing to work for less. Yes, a $650 weekly paycheck like before is nice, but you may have to start from the bottom again and work your way up.

Don't panic or get upset if it takes a while to find a job. You wanted to be back to work in one month. This is good, you have a positive outlook on life. Unfortunately, some laid off workers are still looking for work more than one year after getting their layoff notice. Can the same thing happen to you? Sure. Luckily, there are steps you can take to reduce the chances. As previously stated, have realistic expectations, take part-time work if your unemployment benefits are running out, and don't give up hope. Yes, it may take six, seven, or even eight months before you find a new job, but that time will come.

How to Lower the Cost of Food After a Job Layoff

If you were recently laid off from work, you need to make cutbacks. Are you drawing unemployment benefits? If so, this weekly check is nice, but it likely does not even come close to what you were making before. That is why cutbacks are important. Luckily, you can take many steps. You can reduce the cost of your phone, internet, and television. You can temporarily stop buying new clothes or new toys for your children. These are all great moneysaving tips, but the easiest way to save money is to be cautious with food. Food is a necessity, but also something many Americans overspend on.

How can you lower the cost of food after a job lay off?

Choose the stores you shop at wisely. For food, shop at a grocery store. For non-food items, such as toilet paper and home cleaning products, avoid the grocery store because you will find higher prices. These items are best purchased at department stores and discount stores, like Dollar General or Wal-Mart. As for your grocery store, make sure they have the lowest prices in town. View a weekly sales flier or visit other nearby stores. Closely examine their products, sales, and everyday prices. The easiest way to save money is to shop at a grocery with low prices.

Try the store brand or off brand products. Name brand products are nice. Many Americans must have a certain brand cereal, mayonnaise, and salad dressing. If operating with limited financial resources, you may not have a choice. Here is a good test, try one store brand or off brand product a week. Each week you shop, try something new. Make sure it is low priced and only buy one or two, don't stock up. If you like the cheaper version, great. If you don't like it, you didn't waste much money, but at least you tried. On average, store brand products and cheaper off brands cost $1 less!

Grocery shop alone and leave the kids at home. If you are a parent who takes your children grocery shopping, you are likely to spend unnecessary money on impulse purchase. Your kids have been good the entire shopping trip and they give you that cute little look, how can you possibly resist letting them get a candy bar or a bag of cookies? It is hard and most parents can't resist. If you are one of those parents, leave the kids with family, friends, or a part-time babysitter. Not only that, but stick to your list. Whether you spend $5 on unnecessary impulse purchases each week or $50, the savings will be high at the end of the year.

Limit your purchase of junk foods and special treats. For parents, these items are often bought at the suggestion of their children. If you aren't a parent, you have a sweet tooth. Unfortunately, that sweet tooth can cost you money. You may be use to having cookies each week, but cut back. Instead, only buy two packages for the entire month. If you regularly consume junk food, it will be a transition. Work on cutting back your intake and then try to eliminate. You should notice an increase in savings, an increase in energy, and a decrease in weight.

Use coupons. Aside from shopping at a grocery store with low prices, the next easiest way to limit the cost of food after a job layoff is to use grocery coupons. These coupons are found in Sunday newspaper inserts, as well as online. As for online coupons, you have two choices. Online coupon websites, like Coupons.com, post a wide range of coupons. You can also perform a standard internet search to find the websites of your favorite products. Some post printable coupons right on their websites. Regardless of how you find grocery coupons, be sure to use them. Small-time coupon users can easily save $5 a week. Avid coupon users can easily save $50 or more!

Laid Off and Looking for a New Job? 5 Places to Look

Were you recently laid off from work? If so, you may want to jump right back in and find a job. Good for you, but where should you look? If it has been ten or more years since your last job search and interview, you may not know.

So, where should you look for a new job after a layoff?

1 � Your Newspaper Unemployment Section

Most newspapers have a classified section. In that classified section, you will find another section for employment. It is here where you will find open position locally. In addition to daily newspapers, be sure to check your weekly classified newspaper. Some companies prefer to advertise in this instead, as it is cheaper. You must act fast when taking this approach. It is how most people find and apply for jobs.

2 � Job Search Websites

Job search websites come in different formats. You will find generalized websites and those that target certain industries. For the best chance of success, visit them all. Perform a standard internet search with the phrase "job search." You will find Monster.com, HotJobs.Yahoo.com, CareerBuilder.com, and more. Different websites have different job listings, so search them all. Also, look for a resume listing service. If you can list your resume on these websites for free, do it! Not all companies post job listings. Instead, some prefer to browse resumes themselves to find qualified candidates.

3 � Company Websites

Nowadays, many companies have a website, even if they don't sell products online. This website is usually to inform the public about their business and its purpose and to attract new clients. On these websites, you can usually find employment information. Towards the bottom of the page, look for a section listed as "Careers," "Jobs," or "Employment." It is here you will find a list of open positions or instructions on how to apply for a job locally. This approach is hit or miss, but easy to try.

4 � Job Fairs

Due to the poor economy, job fairs have decreased in frequency, but they still occur. You can usually find information on local job fairs by searching online or looking in newspaper classified sections. Due to the high unemployment rate, job fairs are packed to capacity. You need to arrive early, especially if the unemployment rate is high in your community. It is not uncommon for late arrivers to have to wait an hour or more in line! When attending a job fair, don't dress like it is another afternoon at the mall. Bring many copies of your resume and dress as you would for a scheduled interview.

5 � Staffing Agencies

Staffing agencies come in different formats. General ones will help you find any type of job. There are also industry focused staffing agencies and temporary ones. Temporary jobs are nice, but their varied availability may have a negative impact on your unemployment benefits. Before paying for a professional service, check with your local city or state. Some offer similar job search services and more, like resume help, free of charge.

Highlighted above were five places you should look for a new job after getting laid off. This is just a starting guide; you have more options. Most importantly, keep your eyes and ears open at all times. You never know when an amazing opportunity may present itself.