Name: 如果你發現自己突然失業了，該怎麼辦？ (What to do if you find yourself suddenly unemployed)
Uploaded: 2021-01-14T09:50:25.000Z
Duration: 2 min 50 s
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基礎被動語態

back now with the frightening proposition facing us as unemployment figures skyrocket, Goldman Sachs, reportedly predicting two million Americans, are expected to apply for benefits by next week.

程度副詞

So personal financial expert varnish to Ruby is here with us now with some useful suggestions.

Whether you've just lost your full time or your hourly wage job or you fear you may be laid off in the future.

Welcome back and thanks for being with us.

I want to start with those people who have recently found themselves suddenly unemployed.

What are some of the first things they should be doing?

The first thing is definitely to apply for unemployment.

If you are officially off, payroll your company, even if it's just temporary.

Some people are being furloughed with their hours cut back were there.

Excuse me with the problems that they can come back in two months or in a month, you can probably still qualify for unemployment insurance.

There's a backup right now, so anticipate A bit of a wait.

All right, now we're hearing from a lot of experts saying we're headed for a recession, so things may be getting much worse before they get better.

So what should we all be doing financially to prepare for that?

Your number one responsibility right now is to save your money, shore up that cash cushion I remember I got laid off in the 2009 recession.

Unemployment rate was sky high and it took people about eight months on average to find a job.

So if you fall into that category of losing your job No, that you wanna have at least 62 12 months of savings.

I'm saying really weird stuff right now, Amy.

Stop paying more than the minimums on your debt.

You've been contributing to maybe take some of those contributions out, penalty free, tax free and put them in a liquid savings account.

Look into referring your rent's deferring your mortgage.

Yeah, all those normal rules are kind of out the window at this point and you have a very interesting savings tip for couples.

Yeah, so this is a pro tip for couples out there who are dual earners.

Try living on just one person's income and banking the other person's income.

This is how many people save up for big ticket items, whether that's their wedding or new house in this crisis.

This could also work for you, and it's an experiment.

Try it for a week or 21 or two pay cycles and see how it goes.

It's a great way to accelerate that savings cushion, get motivated and then go back to saving in other ways.

All right, Very important and useful information.

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