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Layoff Planning - Being Prepared And Preventing Debt

There are a number of things you should do right now to prevent a catastrophic debt problem when you are laid off. The first move is to create an emergency savings fund right away. This is critical, because as we noted above, that cushion can save you thousands of dollars way into the future. For this fund, you will want to make sure that you have enough money to cover your current expenses for three to six months. This is simply a must. With this financial parachute, you will have the comfort to look for a job on your own terms, and find the best position for yourself.


Job Search Tips

When it comes down to the actual nitty gritty of job hunting, there are a million things that can be done to ensure that things go well. Certainly, many, many books have been written about the subject, so we will only touch on a few items. The first one, of course, will be the main tool you use to get a new job. Preparing your resume now is a great thing, as you can always update it, and when you begin to suspect that there could be layoffs coming down the pipe, you can start sending it out immediately.


Networking is another superb way to put yourself in a place where you can be assured you will get a job. Recent studies show that passive job hunting, that is, waiting for a job to be posted on websites or in newspapers, is the absolute worst way to search for a job. Not only do you open yourself up to massive levels of competition, but you also are applying to companies that really don't know you from a hole in the ground. With Networking, the introduction has already been made. So don't be afraid to ask contacts about what is going on in their organization. It could pay off big time.


You're Laid Off. Now What?

Once you're laid off, you do have a new full time job. That job? To find yourself a new job. This means you can't afford to take a sick leave or break to refresh things. You just have to get out there immediately. Get in touch with some of your contacts immediately, and start getting those resumes out. The quicker you act, the quicker you'll be back working, and the less chance you will have to deal with debt.


In a lot of cases, filing for unemployment may be an option. Doing this immediately will save you lots of time and money in the future, and make it less likely that your claim will be rejected. Finally, you may want to consider getting a part time or temp job while you are looking for work. That way, you still have money coming in, and can enjoy the advantages of maintaining a work routine, as well as avoid the wolves at the door.


Let's face it, layoffs are now a part of our culture. But being prepared for them is the best way to fight them. It will save you money, and help ensure your next job is even better than the one you left.


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