The rate of unemployment severely increased for the previous years because of the world crisis. It is wise for every working person today to be prepared for whatever may happen in the future. You'll never know, one day you might lose your job or decide to leave your company. While you still have a steady income, it is of utmost importance to manage your earnings and always be prepared in case you lose your job.
One way to be prepared is by opening an emergency bank account to save up a percentage of your salary every month. Discipline yourself to consistently save money on this account. Condition yourself to not spend this money for anything but real emergency, unexpected sickness and hospitalization, and of course, if you lose your job.
Another smart move is by reserving your separation pay. Most companies give a pro-rated last pay plus cash conversions of remaining leaves. This may be the last lump of money that you'll receive for a long time after you lose your job. You better not spend it all on shopping, instead save it or make a good investment out of it.
It's normal for a working person to think that keeping credits or loans are manageable because they have a steady source of income. However, when you suddenly lose your job, you'll probably end up in serious debt if you leave it unpaid for several months of unemployment. As early as now, while it's not yet too late, avoid getting loans and use your credit card wisely. Better yet, don't use it at all.
Wherever you are today and whatever your job is, make sure that you treat every day a learning process. Get the most out of your job, acquire new skills and learn the value of working hard. This can save you your position or can prove to be helpful when you need to look for a new one. This will not just add to your knowledge but will also look good on your portfolio.
Regardless of your financial situation, it is a must to manage your money wisely. Reading books about basic financial management is a good way to get useful tips about money handling. During these trying times, it's best to be always prepared for the worst. It's time to take charge of your finances and be responsible for the future.
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