如果你失业了该怎么办

T在这里 are a lot of emotions and questions you might have after losing a job. 不管是意料之中还是意外, you'll have to consider how the loss affects everything from your day-to-day routine to health insurance options, 你需要更新你的简历. Here are some things to think about to protect your finances, now and in the future.

失业后保护自己的财务状况

• Collect all money that's due to you from your employer. 上交所有费用报告, confirm any severance pay and make sure you're credited for any unused vacation, sick or personal time provided in your employer's policies or by state laws.
• 立即申请失业救济. 你越早完成文书工作, the sooner you may receive money to help cover bills until you're able to find a new job. (如果你的失业是由于 新型冠状病毒肺炎 related issue, you may qualify for more assistance.)
• 审查健康pp王者电子官网选择. COBRA allows you to continue coverage through your employer at your own expense for up to 18 months, 或者您可以选择使用 健康pp王者电子官网交易所. Compare those options, as well as coverage available through a spouse's employer, if applicable. Finally, you can withdraw funds for eligible health care expenses from a 健康储蓄帐户(HSA)，如果你有的话.
• 修改或制定预算. Good starting points include eliminating or reducing expenses to make up for lost income. Ask creditors about alternative payment arrangements, consider getting a short-term roommate and pay your most essential bills first. Don't risk losing your house or health insurance coverage to keep your gym membership or cable TV.
• 考虑兼职或自由职业. Be careful to balance the income from this work and any income you may be receiving in unemployment benefits.
• 更新简历. You can also consider utilizing your social media profile to leverage contacts who may know of job openings.

Proactive financial step to take while you have a job

建立应急基金. Experts recommend putting about six months of income in reserve, 但如果你什么都没有, 不要惊慌. Start slowly and add to these reserves with regular deposits. 如果你失业了, an emergency fund can help you pay bills without dipping into your retirement funds or taking a loan.