A continuación, le indicamos cómo puede navegar por las preocupaciones financieras durante un despido.

The first step in managing through this period is to assess your current financial situation. Start by taking stock of all your assets, including checking and savings account balances, investments, and any other sources of funds. Knowing what you have is the foundation of your financial strategy. Next, look closely at your monthly expenses. Identify essential costs like housing, utilities, and food, and see where you can make adjustments. Prioritizing your spending is key to ensuring you can cover the essentials. With a clear picture of your financial health, develop a plan to manage your finances during this period. Focus on reducing non-essential expenses and maximizing the use of your available resources!

Si te acaban de despedir, lo que te recomiendo es que priorices los gastos de alimentos, internet, escuela de los hijos, TODO lo demás no es indispensable. En este momento, el poco o mucho dinero que tengas ahorrado, te permitirá mantener la cabeza a flote para poder tomar una buena decisión sobre si aceptar o no una propuesta de trabajo. Es triste (me ha tocado verlo) saber que una persona eligio "mal" por la necesidad urgente de pagar la renta... cuando podía esperar un poco y no tomar una decisión apresurada. Si aun tienes un trabajo, te recomiendo puedas tener ahorrado, 6 meses de tus gastos mensuales, para evitar que te pase a ti en una emergencia laboral.

Após uma Demissão a pessoa precisa de um tempo para respirar. Isso não tem problema. Mas garanta que uma das suas primeiras ações seja fazer um levantamento, analise e um plano de ação para as suas finanças. Assim poderá tomar decisões baseadas em fatos. Hoje em dia a média de uma pessoa conseguir uma nova posição é de 3-6meses dependendo do seu nível hierárquico.

Facing a layoff can be challenging, but navigating financial concerns effectively is crucial. First, assess your current financial situation: review your savings, expenses, and any severance package offered. Prioritize essential expenses and cut unnecessary costs. Apply for unemployment benefits promptly to ensure a financial cushion. Update your resume and LinkedIn profile, and start networking immediately for new opportunities. Consider temporary or freelance work to maintain cash flow. Seek advice from a financial advisor if necessary, and explore online resources for budget planning and job searching. Staying proactive and organized will help you manage finances during this transition.

If you're facing a potential layoff, the worst thing you can do is to bury your head in the sand. Make sure that you know exactly what your monthly burn rate is (that's all of your fixed and variable expenses), how much is coming in, and how many savings you have. Work out whether there are ways to reduce your burn rate, and/or increase how much is coming in. In an ideal world, I would recommend a 3-6 month personal runway where you could live on your savings whilst you secure more employment.

In times of financial uncertainty, it's crucial to create a revised budget that reflects your new income level. Start by prioritizing your spending, focusing on necessities like housing, utilities, and food, and eliminating non-essential expenses. This might mean cutting back on luxuries or discretionary spending such as dining out, subscriptions, or expensive hobbies. A leaner budget will help extend the life of your savings and provide more financial breathing room while you search for new employment opportunities. Remember, every small adjustment can make a big difference in maintaining your financial stability during challenging times. Stay strong and proactive, and don't hesitate to reach out for support if you need it.

Fazer um ajuste e eliminar gastos desnecessários é indicado para esse momento de incerteza. Viver com um orçamento mais restrito ajudará no seu controle e também preservar por um pouco mais de tempo a sua reserva.

Primero Dios, no me gustaria verte en esta situacion, pero si lo estas. Lo primero que debes hacer es RECORTAR GASTOS. Parece obvio y lógico, pero no lo es. Posiblemente tengas un poco de dinero ahorrado, pero los gastos fijos y los pagos de la tarjeta pueden ahogarte. Por lo tanto, debes de RECORTAR urgentemente TODOS los gastos INNECESARIOS y solo "mantener" los "gastos indispensables". Tu prioridad es conseguir un nuevo trabajo pero sin estar ahogado y presionado por cuentas por pagar. Reduce, quita, desuscribete, de TODO lo que es un gusto y comodidad, de lo contrario, tus ahorros se esfumaran o pagaras con tarjeta de crédito y se volverá una bola de nieve, donde tendrás que empeñar las joyas de tu madre para salir de las deudas =/

You must be aware of your fixed expenses and your variable expenses. Your fixed expenses are likely to be things like your bills and rent/mortgage, and whilst you might be able to get a better rate or deal on them, they are not likely to change much. Therefore, concentrate on your variable expenses. What you need and what you want to spend your money on are entirely different beasts!

Once you’ve assessed your finances, create a revised budget tailored to your new income level. Prioritize essential spending and cut non-essential expenses, such as dining out, subscriptions, or pricey hobbies. This leaner budget helps stretch your savings, providing greater financial flexibility as you seek new employment opportunities. Adjusting your spending habits is crucial for maintaining financial stability during this transitional period.

Se você é uma das poucas pessoas que teve acesso a uma Educação Financeira e tem um Fundo de Emergência, saiba que você é uma pessoa privilegiada. Se você era CLT em uma empresa receberá os pagamentos respectivos ao período que trabalhou. Então ao fazer o seu planejamento, inclua esses valores no seu planejamento. Assim saberá se terá que mexer no seu Fundo de Emergência. Agora, se você está lendo essa orientação e não tem um Fundo de Emergência recomendo que o faça o quanto antes.

Seamos realistas, no todas las personas tienen un fondo de emergencia de 3 a 6 meses de sus gastos, es más, ni siquiera saben de cuanto son realmente sus gastos mensuales. No quiero dar una clase de finanzas para desempleados, aunque conozco del tema, no es este el lugar. Lo que si te puedo recomendar, es que "eches mano" de aquellos articulos que TODOS tenemos en casa que no los usaremos y que pueden ser vendidos. Ese tipo de articulos (que esten en buen estado) podemos disponer de ellos para que en algun momento de necesidad, podamos tener dinero para nuestros compromisos economicos. Pueden ser juguetes, articulos de coleccion, ropa, cosas electricas/ electronicas, que podemos vender por facebook.

Having an emergency fund covering three to six months of living expenses is ideal. If you have this buffer, use it wisely during your layoff period. If you don't have such a fund, assess which assets you could liquidate with minimal penalties or losses. An emergency fund is crucial for managing through financial disruptions like layoffs, so utilize it if needed to maintain stability while you transition to new employment opportunities.

In a world where layoffs and economic challenges are more common, we may need to gradually grow our Emergency Fund to 9 to 12 months, whenever possible. It's not easy to start and grow that Emergency Fund, but with discipline and planning, you can do it.

Com a sua vida financeira mapeada verifique os pagamentos e parcelamentos que tem que fazer. Estude a possibilidade de quitar alguma divida para obter um abatimento. Tome a sua decisão baseada em fatos e estratégia.

La recomendación es esta, si estas endeudado con el banco o un particular, acércate a exponer la situación, y a renegociar el pago de la misma. Deudas a corto plazo podrías pasarlas a deudas a largo plazo, para que tengas algo de liquidez mientras te contrata una nueva empresa. Hay otra opción, (que fue mi caso personal) y fue pagar una deuda con otra deuda Yo tuve en algún momento una deuda con el banco, donde apenas alcanzaba a cubrir el mínimo y esa deuda no bajaba.... sino que seguía creciendo, cosa que dure así casi 2 años. La forma que encontré para pagar esas deudas fue: ir a empeñar joyería para pagar la totalidad de la deuda bancaria. Y aunque tenía otra deuda nueva, era entre 1 y 2% menor a la bancaria, y así pude ir pagándola

It's crucial to manage your debt effectively during a layoff. Reach out to your creditors to explain your situation—many offer deferment options or hardship programs that can temporarily reduce or pause your payments. These adjustments can help preserve your cash reserves. Avoid acquiring new debt and strive to make at least the minimum payments on existing debts to protect your credit score during this uncertain time.

I have been able to successfully navigate some months of career change because of having multiple streams of income. I have had income predominately from freelancing and project work, alongside digital products and services as I decide how I want to work going forward. This has been a god send during this phase, and I would suggest to anyone in this position that they develop multiple streams of income.

Quando uma pessoa fica disponível no mercado é um momento no qual ela pode começar a testar ou colocar em prática prestação de serviço. Use plataformas que são especializadas e economize dinheiro, já que muitas são gratuitas. Mas antes de optar por esse caminho planeje. Assim terá mais sucesso no que escolher para atuar.

Consider exploring alternative income streams. This could involve freelancing, part-time work, or monetizing a hobby. Diversifying your sources of income can help manage expenses and alleviate financial strain during a layoff. Stay creative and open to opportunities, even if they differ from your previous employment, as they can provide essential financial support.

Consider consulting a financial advisor or mentor for professional guidance during this challenging period. They can offer personalized assistance with budgeting, investment decisions, and long-term financial planning. Expert advice can be invaluable in navigating financial uncertainty, helping you make informed decisions that safeguard your future financial stability.

Si tu presupuesto lo permite, ve con un asesor financiero que te apoye. Si tu presupuesto es muy limitado, hay muchos videos en youtube que pueden ayudarte, basta con poner "como pagar una deuda" en el buscador y te saldrán muchas opciones. Lo único que necesitas, es ser brutalmente honesto contigo y con tus números, si no lo eres, estas perdido. Si sabes como estas, lo que tienes de dinero y lo que gastas, y si no estas dispuesto a hacer cambios... te aseguro que la pasarás muy mal tu y tu familia. Lo siento

Reaching out to your banks/credit card company if you have excessive credit loans can be a good idea. They may be able to arrange for a Debt Consolidation Program, where you can arrange to pay a fixed lower interest rate rather than the standard interest rate, which is significantly higher.

7 Here’s what else to consider This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

#Open communication with a co dependent: In the unfortunate event of a layoff, clear and professional communication with your financially co-dependent person or persons, is paramount. Proactive collaboration on financial matters during this challenging time fosters a sense of solidarity and empowers you to tackle the situation as a team. By openly discussing expenses, potential cost-saving measures, and strategies for utilizing emergency funds or unemployment benefits, you can create a realistic and actionable financial plan. This collaborative approach not only strengthens your personal relationship but also increases your collective resilience in navigating the financial uncertainties associated with a job loss.