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Are You Prepared In The Event Of A Job Loss?
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Everything is going fine. You recently got a raise at your job due to a new promotion. You've even decided to renovate your house since you have a baby on the way. You feel like you are on top of the world. The investments that you've made for the past few years are continuing to go up and your spouse just go the go ahead for the bank loan for the new business start up. Then all of a sudden there is a rumor at your job that layoffs might happen. The economy has crashed your investments to rubble. You're scared and don't know what to do. You've put in more than a decade at your job and thought you would stay there until you retired. Does this scenario sound familiar? Hopefully it does not but just in case in could happen, are you prepared in the event of a job loss for you or your spouse?
No one likes to be unemployed or fired. It could be an economic downturn or perhaps your boss just didn't like you. In either case you need to make sure that you can still pay all your bills while you are on the search for a new job or opportunity. Do you have the recommended nine months of income in your savings account that is easily accessible? This needs to be a liquid account. Preferably a money market account that will earn interest for you while it is sitting there for your rainy day. Stocks and bonds are good future investments,[link widoczny dla zalogowanych], but they aren't very good when you need quick and immediate cash. You end up paying more fees to cash them in and if the market is bad everybody else is probably selling at the same time you are so you won't get the optimum value.
Debt is a four letter word. You need to keep your debts to a minimum. If your car is still working,[link widoczny dla zalogowanych], has low miles and is paid for you don't need to buy an expensive luxury vehicle. Always live within your means. It might take you the full nine months or more to find another job. Yes you can cut back on buying items. But you really don't want to purchase something you don't need in the first place. You might not even be able to find a job that will pay the same salary that you just lost. So having less debt will make it easier to adjust. That co-worker that just bought that fancy luxury car may be up to their ears in debt. Don't buy something to compete with them. You'll regret it.
Residual income is something everyone needs to strive for. Even if you have a job currently just the thought of knowing that you having a certain dollar amount coming in regardless of a job helps. Your company may or may not provide you with a severance package. And if they do it will eventually run out. It can be anything from stock dividends,[link widoczny dla zalogowanych], to rental income. Just make sure that you have a revenue stream outside of your job. Nothing is guaranteed anymore.
People always plan for emergency situations. How do you exit your house in the event of a fire? What do you do if your car is totaled? You preplan by having insurance. This is another emergency that needs to be planned and thought out in advance. For every situation you don't want it to happen, but you plan it case it does.
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