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DSM: Troubled Times Ahead: How to Survive a Job Loss or Layoff + More!

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Troubled Times Ahead: How to Survive a Job Loss or Layoff

Posted: 29 Jun 2017 01:44 PM PDT

After many years of just a trickle of work being offered through my husband's union hall, the Columbus area is now booming with an influx of construction jobs. So much that jobs are actually sitting on the window at the hall unfilled. I have to say, it's a great spot to be in, in the moment, but I know that with the cyclical nature of construction booms, it's only a matter of time before it's back on the downswing. After all, it was less than a year ago that the possibility of a layoff was always looming over our household, a very stressful spot to be in.

It feels like we've experienced more than our fair share over the years... A layoff is never convenient, but some times are definitely less convenient than others. There was the time my husband was laid off the day before Christmas Eve. And there was also the time that he received his notice the day after Christmas. And the worst of all -- when he literally got laid off via a voicemail while we were in the delivery room, as I was giving birth to our fifth child.

I mention all of this because I believe many of you are in the same situation. Despite the falling unemployment rate, I know that those numbers are somewhat skewed by workers who've simply given up looking for a job. So I thought this might be a good time to bump up these tips for what to do if job loss is a possibility and what to do if you lose your job...

If a job loss is still just a possibility:

Cut back your spending immediately. Review your bills and look for areas where you can start to scale back. Start small by trying to cut just $1 a day from your expenses and increase your savings from there. Learn how to maximize your savings at drugstores and grocery stores and add these additional funds to your emergency account.

Consider purchasing supplemental income insurance. SafetyNet is among the simplest forms of insurance. It will pay you a lump sum in the event of a layoff or other unexpected job loss! The premiums are surprisingly affordable, starting at just $5 per month. If you need to file a claim, the payout can be used for anything you wish – rent, groceries, utilities, whatever you need. Signing up is easy with just three simple questions, no credit checks.

Build a stockpile. Hopefulone and Erin both wrote excellent guest posts on this topic. In the event of a layoff, being able to cut back your grocery expenses by eating from your stockpile is a huge blessing.

Pay yourself first. Start building an emergency savings by setting up an online savings and having money automatically drafted into it from your checking account each pay period. Transfer the money saved from any cut backs into it as well. Every little bit helps!

I also can't recommend the book Profit First enough. I've been using the method discussed in it for about 6 months now, and it's totally transformed both my business and personal finances.

Start paying just the minimums on any debt. While not ideal for getting out of debt, this will help with your immediate cashflow. Funnel anything extra you were paying into your emergency account for the time being.

Get a handle on the job market. Check out the classifieds and online job postings. Start doing a little networking to feel out the situation in your industry, and update your résumé so it's ready to go.

If you lose your job:

Negotiate for additional benefits. Most companies will offer the standard severance of unpaid vacation and a good reference, but you may be able to haggle for more. Ask for additional compensation based on years of employment, extended health benefits, or reimbursement for job placement services. It's likely that companies will be willing to provide one or more of these to avoid negative publicity. You won't know unless you ask!

File for unemployment. Generally you should do this immediately because there's a one-week holding period; however, from experience I can tell you there's one exception to that. If it's close to the end of the year, it might be in your best interest to wait until the new year. Compensation rates often increase every year, and by waiting a few additional days you may be entitled to more money. We learned this the hard way when my husband filed back in 2005. If he had waited a mere four days, we would have received an additional $40 per week in compensation. Check with your state agency, and if you can stick it out for a few days, do so.

Communication is key on all levels. Let your family members know about your situation. Explain to your friends that you'll have to cut back on entertainment expenses for a while. Get the word out to your social network. You might be surprised by a job lead from an unexpected source. Finally, contact your creditors immediately if you see yourself starting to fall behind on your bills. They may be able to offer some sort of temporary solution.

Seek out additional resources. These may vary by location, but it's a good idea to see what's available. Don't EVER be embarrassed to take advantage of whatever programs are available to you. There's no shame in doing what it takes to keep your family from financial disaster.

A few to consider:

  • WIC
  • Food stamps
  • Medicaid in your state
  • Food pantries
  • Energy assistance programs
  • Your church

Your state department of job and family services may have additional suggestions. Don't be afraid to ask your unemployment case worker what you're eligible for.

Cut back your budget to all but the necessities. When it comes right down to it, things like cable, cell phones, and Internet can probably all be eliminated. Look for free sources of family entertainment such as free DVD rentals from Redbox. You might be surprised at what you can do without when it really matters.

Start looking for a new job immediately. Take advantage of any outplacement resources offered by your former employer. In most cases you will be required to report on your job search regularly to your unemployment caseworker, so you'll want to maintain a log of companies you apply with and any responses you receive.

If you're a union worker, as is my husband, you may be in a different position. He must wait until his layoff number on "the list" is high enough to win a bid on a job. I know the particulars vary by union, but in our case looking for work outside the union could mean thousands of dollars in fees and fines.

Be sure to stay in close contact with your union hall's hiring manager, and ask about any additional resources that your hall may have to offer. You may be able to take a travel position and work out of another union, as my husband has done on several occasions. Or this might be a good time to take advantage of any continuing education programs available to you. Additional certifications could make you more valuable to employers and therefore less likely to be low on the list when layoffs occur in the future.

When you find new employment:

Keep your frugal ways in place for a while. Pay off any debt accrued during your unemployment period, build your emergency savings back up, and better prepare yourself financially in the event that it turns out not to be a good fit or for future cutbacks.

There's no such thing as job security these days. Especially with the fluctuating economy, it's important to be prepared as best as you can be for a sudden loss of income. Losing a job is never easy, but you can definitely prepare yourself so that it's more manageable.

I certainly would not wish a layoff or job loss on any one of you, but I hope that these tips give you some hope in the event that you should need them.

Have you survived a major loss of income in your family? Do you have any additional tips to share?

This is a sponsored conversation on behalf of SafetyNet; all opinions and text are my own. Thank you for supporting the brands that support this site!


Troubled Times Ahead: How to Survive a Job Loss or Layoff was first posted on June 29, 2017 at 4:44 pm.

©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

100+ Printable Coupons Expiring Within the Next Few Days!

Posted: 29 Jun 2017 01:33 PM PDT

ONE Venus Swirl™ OR Venus & Olay Razor (excludes disposables)

A good portion of these printable coupons will be disappearing at midnight tonight, with several others being set to inactive on the 1st and 2nd. I know it's a bit of an overwhelming list, but I highly encourage you to scan it and print your faves before they're gone!


100+ Printable Coupons Expiring Within the Next Few Days! was first posted on June 29, 2017 at 4:33 pm.

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FREE Manicure Kit (After TopCashBack Rebate)

Posted: 29 Jun 2017 01:26 PM PDT

Right now new and existing TopCashBack members can score a FREE Specialty Care Manicure Kit from TopCashBack! Purchase your Specialty Care Manicure Kit from Walmart.com for $0.98 and your $1.05 TopCashBack rebate will post to your account within 14 days. Choose in-store pickup to avoid shipping fees for this great deal.

Here's how to score your FREE Manicure Kit:

  • Register at TopCashBack
  • Click "Get Cashback Now" button to open the Walmart shopping page.
  • A new tab will open and should be on the Specialty Care Manicure Kit, priced at $0.98.
  • Add to cart and proceed through checkout.
  • Choose in-store pick up to avoid shipping fees.
  • Your TopCashBack rebate of $1.05 will turn payable and can be credited straight to your checking or PayPal account within 14 days.
  • Be sure to share this deal with friends and family - TopCashBack doesn't limit accounts to one per household -so now's a great time to have your spouse, room mate or neighbor (or anyone else!) about TopCashBack.
  • Use your Tell-A-Friend Link when you share this deal with friends and family and you'll earn $10 for each new TopCashBack member who takes out this deal too! (They have to earn $10 in rebates, and this can help existing members get even closer!)

Top CashBack is a loyalty program that offers cash back to you for your online purchases. Why not give it a try today?!

The fine print: IMPORTANT: This offer is available to ALL TopCashback members both new and existing. If they haven't used TopCashback before, ask them to sign up through your Tell-A-Friend link and you'll get a $10 reward if they go on to earn $10 in payable cashback. Transactions must contain at least $0.98 worth of purchases to ensure the $1.05 cashback is credited to TopCashback accounts. The deal is open until 11:59pm PT on July 2, 2017 or supplies run out; whichever happens first; subject to supplies and pick-up/shipping availability; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.


FREE Manicure Kit (After TopCashBack Rebate) was first posted on June 29, 2017 at 4:26 pm.

©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

Martha Stewart Cast Iron 6 Qt Casserole Dish $53.99

Posted: 29 Jun 2017 01:15 PM PDT

Macy's 4th of July Sale includes this Martha Stewart Cast Iron 6-Quart Casserole Dish, on sale for $53.99 (reg. $179.99)!  Plus you can shop through TopCashBack to earn 8% back on your Macy's purchase, making this casserole dish just $49.67!  Shipping is FREE on Macy’s orders of $49 or more, and this special pricing is good through 7/4 only.  Here's the deal:
  • Login or register with TopCashBack.
  • Click "get cashback now" to open a new window to Macy's
  • Copy and paste "Martha Stewart Collection Collector's Enameled Cast Iron 6 Qt. Round Casserole" into the search bar.
  • Click on the casserole dish result and "Add to Bag."
  • Proceed to checkout and enjoy - you just earned $4.32 cash back from TopCashBack!

 


Martha Stewart Cast Iron 6 Qt Casserole Dish $53.99 was first posted on June 29, 2017 at 4:15 pm.

©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

Sonic Slushes $0.79 (Today Only!)

Posted: 29 Jun 2017 01:00 PM PDT

Out and about today ?  Enjoy Medium Sonic Slushes for $0.79 today only, at participating locations.  No coupons are required - just mention the Medium Slushes Sale when you order.

Offer valid 6/29/17 only at participating locations.

 


Sonic Slushes $0.79 (Today Only!) was first posted on June 29, 2017 at 4:00 pm.

©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

Scott Paper Towels $0.66 at CVS

Posted: 29 Jun 2017 12:55 PM PDT

Here's a new $0.55/1 Scott Paper Towels printable coupon that you can combine with an Ibotta rebate to pick up TWO 6-pack of Scott Paper Towels for $3.49 each at CVS this week! Here's the deal:

Scott Paper Towels (6 ct.), $5.49 ea.
$2/2 Scott Paper Towel (Ibotta Deposit)
$0.55/1 Scott Paper Towels printable coupon (print 2)
$3.94 ($0.66 per roll) wyb 2 packs after coupons & rebate!

Thanks, Passion for Savings!


Scott Paper Towels $0.66 at CVS was first posted on June 29, 2017 at 3:55 pm.

©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

Goodnight Moon and The Runaway Bunny Board Books $8.89

Posted: 29 Jun 2017 12:41 PM PDT

Today on Amazon you can get this Baby Board Book Set - including Goodnight Moon and The Runaway Bunny - on sale for $8.89 (reg. $15.99).  Plus you'll enjoy FREE Super Saver Shipping on your order over $25, or with your Amazon Prime membership.

This gift set includes Goodnight Moon and The Runaway Bunny, illustrated by Clement Hurd. Margaret Wise Brown's beloved bedtime classics have lulled generations of children to sleep with their soothing sounds. Now these classic stories are packaged together into one gift set.

Thanks, Money Saving Mom!


Goodnight Moon and The Runaway Bunny Board Books $8.89 was first posted on June 29, 2017 at 3:41 pm.

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Mpow Waterproof Cases (3-Pack) $13.49

Posted: 29 Jun 2017 12:32 PM PDT

Right now on Amazon you can get a 3-pack of these Mpow Waterproof Cases for $13.49 (reg. $19.99).  These look just right for keeping devices dry during your summer adventures!  Plus you'll enjoy FREE Super Saver Shipping on your order over $25, or with your Amazon Prime membership.

  • IPX8 Certificated: Fully submersible and waterproof, offers waterproof / sandproof / dirtproof / snowproof protection for your devices. ( Please take pictures by volume buttons underwater as cell phone may suffer hydraulic pressure under certain water depth , which will impact the operation of the touchscreen.)
  • Universal waterproof case: fits all smartphones up to 6.0 inches & credit cards, documents cash (Certain large screen phones need to remove protective case). Very good for beach, swimming, boating, kayaking, snorkeling and indoor & outdoor water sports, travels.
  • Free Operation with Transparent Cover: designed into fully clear window on both front and back sides, perfect for taking pictures, videos, phone calls and messages. Perfectly operate your cellphone but NOT for touch ID fingerprint. Note: The FRONT side of brand Mpow works for iPhone 7/ 7plus.
  • Secure Lock Design: Simply to open and close the pouch by turning the two switches on the top. ABS materials ensure durable use with scratch resistance and wear resistance.
  • Multifunctional Waterproof Dry Bag: Features a simple snap and lock access, easy to keep out water, snow, dust, sand, and dirt. Comes with a neck strap for convenient carrying.

Thanks, Jungle Deals & Steals!


Mpow Waterproof Cases (3-Pack) $13.49 was first posted on June 29, 2017 at 3:32 pm.

©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

Microplane Zester $9 + FREE Prime Shipping!

Posted: 29 Jun 2017 12:25 PM PDT

I've tried lots of knockoffs, and the Microplane brand is, hands down, THE best!  Right now on Amazon you can get this Microplane Premium Zester/Grater (in black) for $9!  This is currently an Add-On Item, which means it ships for FREE with your qualifying order over $25.

    • Great for zesting citrus, grating hard cheese, and ginger
    • Constructed out of 18/8 stainless steel with Microplane's razor sharp edges
    • Premium handles are ergonomic and soft to the touch; includes reusable cover
    • Non-slip rubber feet add stability and protect your plates
    • Dishwasher-safe; hand wash cover

      Thanks, Jungle Deals & Steals!


      Microplane Zester $9 + FREE Prime Shipping! was first posted on June 29, 2017 at 3:25 pm.

      ©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.

      Swagbucks: Earn up to $175 with Children’s Fund International

      Posted: 29 Jun 2017 07:42 AM PDT

       
      Children's Fund International has a special offer until the end of June through Swagbucks where you can earn up to 17,500 SB (that's $175 in gift cards!) for making recurring monthly donations which help support an in-need child, improving their quality of life.

      You'll earn SB for each month you keep your sponsorship active. The longer you make valid donations, the more help your sponsor child receives & the more SB you can earn!

      • Earn 5,000 SB after your first month’s donation. That’s enough for a $50 gift card!
      • Earn 1,500 SB after your second month’s donation.
      • Earn 1,500 SB after your third month’s donation.
      • Earn 1,500 SB after your fourth month’s donation.
      • Earn 1,500 SB after your fifth month’s donation.
      • Earn 1,500 SB after your sixth month’s donation.
      • Earn 5,000 SB after your seventh month's donation.

      Click here to make your first donation and earn your first 5000 SB. As my referral, you'll also get a bonus 300 SB paid out in early July.

      Haven't tried Swagbucks yet? They're a site where you earn points (called SB) for doing things like online shopping, watching videos, taking surveys, and discovering deals and services you might like to try (like Hulu!). You then take those points and turn them into free gift cards to places like Amazon, Starbucks, Walmart, Target, or PayPal cash!


      Swagbucks: Earn up to $175 with Children’s Fund International was first posted on June 29, 2017 at 10:42 am.

      ©2008-14 Deal Seeking Mom™. All rights reserved. Use of this feed is for personal, non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at admin@dealseekingmom.com.