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Unemployed & Underemployed: Resources to Help When Work is Scarce

Finding yourself unemployed is one of the scariest situations to be in. While many of us are fortunate enough to have family and friends to lean on in hard times, sometimes there aren’t a whole lot of people who can lend a hand. If you find yourself unemployed, there are a couple things you can do to get yourself back on the right path.

  • Find Emergency Funds – Just because your job has stopped doesn’t mean the bills have too. It can be extremely frustrating watching things that you were previously able to afford start stacking up until you’re in over your head, which is why it’s best to avoid the denial that often accompanies finding yourself out of work. Your first stop when looking for money to cover bills should be friends and family because they’re the ones that will be able to help you without the interest involved with loans. Don’t be embarrassed to ask for help – we all need it from time to time. But when friends and family aren’t an option, consider finding someone who can help you out for the short term. Loan providers like www.wonga.com allow you to choose how much money and how long you need it when you apply. Keep your loan terms short and you’ll save on interest. By only borrowing what you need and cutting back on the rest, you’ll find it much easier to focus on the important task of finding work.
  • Look for Side Work – While you’re searching for something full time, don’t forget about other opportunities you may be overlooking. Sit down and make a list of your skills, then see what you can find that aligns. There are a lot of jobs out there that are perfect for short-term work like dog walking, house-sitting, even handyman repair (although if you’re like me, you might want to stay away from high-powered tools for everyone’s safety). Try to be upfront with the people you’re dealing with about your time frame but don’t short-change yourself. Getting out and connecting with people may serve some use when they find something that they think fits you in the future. And once you’ve got a full time gig, consider hanging on to that spare time job for nights and weekends to help you get back on your feet.
  • Use Your Resources – Don’t be afraid to ask for help. There are plenty of resources out there for those who find themselves unemployed or underemployed as a temporary means to help you get on track. Search for non-profits that may be of assistance to you or look into unemployment benefits to see if you’re eligible. There’s no shame in taking help, as long as you know to give back once you find yourself in a better position. Your generosity in the future may help someone just like you get back on their feet.

Whatever you do, don’t give up the job search. It’s easy to find yourself losing hope but this only becomes a self-fulfilling prophecy. The faster you get back to work the faster those past due notices go away.

Stella is a freelance business consultant and part time blogger; successfully running her operation from home where she can stay in her pajamas for the entire day if she feels like it.


1 comment… add one

  • The Wallet Doctor June 1, 2014, 2:50 pm

    I think a lot of people do give up searching for that full time position when it gets harder to find. Its really important to find a way to make things work in the short term, but don’t loose sight of the long term goals. There is more out there than short term gigs.

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