Protecting your assets and health are the priorities after a layoff. Financial problems put all your hard earned assets at risk – your home, your car, and savings are all in danger, not to mention your health insurance. For most people, a layoff means a temporary end to the foundation of your financial security.
Hope for the best, plan for the worst. We all would like to think that we can walk out of one job and find another in no time flat. In this recession that's not easy. Finding a new job, expecially a good job, is probably going to take some time. Let's all hope for good luck, but plan to be prepared in case our luck takes a little longer to come in. The Layoff Survival Plan is written in chronological order of priorities – if you have a job in a month, the first two parts of the plan will help you bridge the gap. If you don't have a job for a year – or longer – the rest of the plan is designed to keep a roof over your family's head and food on the table.
One: Line up unemployment benefits and medical insurance.
When you've gotten everything you can out of your job – severance package, vacation pay, good deals on life insurance – it's time to deal with the priorities of income and insurance.
Two: Maximize short-term cashflow with "stop-gap" jobs, contract work, consulting, and government benefits, as well as negotiating down interest rates on credit cards or other loans.
Still no job? This plan lays out alternatives for cashflow:
Three: Develop new income sources by upgrading or changing your career through education or starting a part-time business. The game plan is "where will I be in three years?" – and small amounts of money you would not have bothered with while working can add up to a big improvement at the end of three years.
I hope you have a job before it goes any further. But if your back is against the wall, the plan deals with it:
Four: Worst case scenarios like foreclosure and loss of credit rating don't have to be as bad as they sound. Part 4 separates this plan from all previous layoff guides. No matter how bad your finances are, the Layoff Survival Plan shows you how to move forwards with cash in your pocket and a roof over your head, instead of broke and worried.
Nicholas Carroll, author,
The Layoff Survival Plan
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The Layoff Survival Plan
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