Tag: Work At Home

How To Survive Unemployment

Losing your job is one of the worst things that could happen, especially in a period when hiring is slow. With the right tools, you can make it through an unemployment slump, keeping your credit in tact, and continuing to manage your debt.

Losing your job is one of the worst things that could happen, especially in a period when hiring is slow. With the right tools, you can make it through an unemployment slump, keeping your credit in tact, and continuing to manage your debt.

When you’re job searching, you don’t want to worry about anything else, least of all your credit and debt. Those two things could play a significant role in making your next career move. Many employers use your credit history as one of the hiring factors. If you suddenly let your credit go after losing your job, your employer could conclude that you’re not able to handle high pressure situations.

Get a Temporary Source of Income

As you work on getting a new job, now’s the time for some serious planning. First, find out if you’re eligible for unemployment benefits. Alison Doyle, About Guide to Job Searching says you might even be able to file for unemployment online or over the phone. Check with your state’s unemployment office to find out if you’re eligible and whether you must apply in person.

Use your emergency fund to bridge the gap between your unemployment benefits and severance pay (if any). This is the reason you spent months building a solid emergency fund. Use to help pay the bills, but use it sparingly because you don’t know how long you’ll need it.
Rein in Your Expenses

Reassess your budget. You’ll need to decrease your expenses to compensate for the decrease in your income. Go through your budget and cut out any luxury expenses. In the beginning it might be hard to talk on your cell phone less often or go without cable television, but you’ll adjust. Cutting back will stretch your emergency fund further and keep you from relying on credit cards.
Keep Credit and Debt Under Control

Don’t make any new credit card charges. Without a reliable source of income – even unemployment benefits won’t last forever – you can’t afford to make any new credit card purchases. Resist the temptation to use your credit cards to keep your lifestyle at a pre-unemployment level. It won’t take long for your credit card balances to get out of control.

Don’t take on new debt. The last thing you need in this situation is another bill. Though you might be tempted to take out a personal loan, now isn’t the time. Put off car and home purchases until after you’ve been gainfully employed for a few months and you’ve had time to rebuild your depleted emergency fund.

Keep paying all your bills, even if it means making minimum payments. You can pick up with higher payments after you’ve gotten a new job. Be extra careful not to be late on any payments. Late payment fees are an unncessary expense and make it harder to get caught up.

Recognize when you need help. Ask your creditors and lenders for help as soon as you see you’ll need it. If you wait, it could be too late for them to do anything for you. Consumer credit counseling is an option if it get hard to make your credit card payments.

You can make it through a period of unemployment and maintain your credit and debt. You just have to make the most of your resources and avoid overtaxing yourself with more debt.

Work At Home Mommy

So, you decided to work at home because you want to have more time with your children, but it’s not as easy as you thought it might be. Everyone is telling you that you are crazy – that you cannot work and parent at the same time. You are afraid that you will not be able to give proper attention to your work and that your children will feel neglected.

Let’s face it, there are no easy choices for mothers who work, but mothering and managing a home business is possible and working at home could be the best way for you to manage your multiple priorities.

10 Ways To Have Happy Kids While You Work At Home

1. Begin a work routine. Begin a work routine as soon as possible after your baby is born. Even if you don’t have a business yet, spend time reading, typing on your computer and talking on the telephone during set work hours each day. Children accept what they are used to and if they see you working from a young age, they will be more likely to accept it as part of their day. Working at the same time each day will help work become part of your daily routine. Keep work sessions short at first and extend them as your children get older and more self-sufficient. If possible, work first thing in the morning, and during nap or sleep times. Schedule child-centered activities right after work periods.

2. Voice mail or answering machines. Install a business telephone with voice mail or answering machine – and a hold button. Business phones need to be answered in a professional manner. There is nothing worse than screaming kids or a mother screaming at her children to be quiet during a telephone call. Even if you are calmly explaining why your child has to wait, don’t do it while someone listens on the other end of the telephone. Turn off the bell on your business phone during times you are spending with your children. When there is too much household noise or distractions let the answering machine or voice mail take your messages. Return calls when the house is quiet and under control. If you are speaking on the telephone and an interruption happens, put the call on hold while you solve the problem.

3. Be consistent. Be consistent and stop problems before they start. Gentle rules for work times are appropriate and necessary. An infant’s needs must be met immediately, but even slightly older children need to know that you don’t always get what you want at the exact time you want it. Make sure your business phone looks very different from your home phone so that when your children see that phone to your ear they will know that you should not be interrupted. Before you make or take a telephone call, try to make an announcement: “Mommy will be on the phone for a few minutes. Please – no yelling and no interruptions.” Teach your children which things they can and cannot touch in your office. Create rules that are fair and enforced. Don’t wait for bad behavior. Let your children know what type of behavior you expect to help prevent problems. When your children know you mean business, they will cooperate.


4. Don’t lock yourself away. Let your children see you working and assure them that you are available for short interruptions. Schedule work that requires quiet and complete concentration for times when your children are asleep. If you integrate your business into your home life, you will be able to “hang out” with your kids while you work. It may not be quality time, but sometimes the quantity of the time you spend with your children is just as important.

5. Choose work that you can start and stop. If your work requires daily deadlines or constant telephone conversations, you will need to have child care either within your home or outside. If you can take mini breaks to dress a doll, give a hug or help start a new activity, your children will feel like you are accessible but busy. Why work at home if you cannot take time out to soothe a sick child or even take a day off once in a while?

6. Make your work area special. Make your work area special for your children. A playpen full of toys that can only be played with in the office or a drawer that is just theirs and filled with surprises can help keep your child occupied but close to you. A miniature of your desk with a real phone, toy typewriter and junk mail can make a preschooler feel special. A TV and DVD player with special programs that can only be viewed while you work can always save the day.

7. Encourage supervised independence. Children must learn independence, but the children of a homeworking mom can learn to be independent under watchful eyes. Set-up your home so that it is possible for little ones to get their own drinks, make a sandwich, baby sit for a younger sibling or wash some unbreakable dishes. They will develop a feeling a accomplishment and you will be able to get a little more work done.

8. Take your work with you. It’s a beautiful day and you want to go to the park. Keep a basket or briefcase filled with work that you can take to the playground or even your backyard so that your kids can play while you are there to oversee their activities. Cell phones and laptop computers allow you the luxury of a virtual office. Take advantage of these working wonders and work while you are on the go.

9. Busy hands, happy hearts. If you are doing work that does not take much concentration but does keep your hands busy, use that time to sing to your baby, talk to your toddler or help with school work. Eventually, your kids can help you and you can all sit around a table and work while you interact -similar to the way quilters work and socialize at the same time.

10. Involve your children in your business. It is always easier to accept what you understand. As soon as your children are old enough, explain what you are doing and encourage their involvement. For example, let your toddler turn on your computer each day. As your children grow, they will learn how to use your equipment and begin to absorb business principles which will help them throughout their lives. When you have success, share it with them and let them choose a new toy or go out and celebrate in a special restaurant. If your children can see tangible benefits, they will want you to succeed at your work.