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.

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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.

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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!

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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%PRCTG% 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.

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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.

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