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Not unemployed, but underemployed: How do you survive a significant cut to your salary?
I have only recently heard this term. It describes many people I know here in Michigan.
It means you are still emplyed but , will not get the salary for a few months or unmentioned time. You are free to stay with the job or quit. This is a difficult situarion which destroys the balance of life
I'm in Michigan and underemployment is epidemic here. It is absolutely imperative that while things are good, we are not functioning as though it will go on forever. We have to enjoy it, but do some things to protect us if the bottom falls out of... read more
I am sorry to hear of your loss, and wish you the best as you search for better employment now and in the future.
There are a couple of different approaches to take in your situation. The first is the ostrich approach. It involves acting as though nothing has happened, and keeping up appearances and one's lifestyle at all costs.
Though this is a common approach, I highly discourage it. It usually ends badly, with excess debt and all that that brings.
The second is the Man the Lifeboats approach. It involves reassessing the situation as it actually is and making the necessary adjustments.
Ideally you can calmly take a look at your budget, asking yourself: If I had to live on this new lower salary forever, what adjustments would have to be made? Selling a car? Eating all meals at home and brown-bagging lunch? Reducing or forgoing retirement plan contributions? Only you have the answers to this question.
Whatever they may be, you will be in a much better, which is to say sustainable, situation if you can budget in a way that doesn't rely on regaining better-paying employment in the near future. That way you will be in a better position to find a better-paying position at your leisure and not make hasty, desperate decisions, which often turn out badly.
You have two options to survive a significant cut to your salary. First, you can cut down on your expenses by undertaking an honest appraisal of your expenses to determine what you really must spend on and what you can go without.Then wean yourself of the unnecessary expenses and control your living costs
Secondly, you can plug in other streams of income depending on the resources you have, time available to you and your skills and expertise.
I don't know if this is for you but one easy route you can go is to have a business that allows you to work only when you are free without leaving your job altogether and if I may make a recommendation for you, perhaps you might want to try internet marketing.
Why do I say so? Internet marketing empowers you to earn without the need to be present at your business everyday and you can easily pit everything on autopilot. Again you only work when you are free and two hours a day might be all you need.
If you like the idea of internet marketing, you might want to read a free resource available internetwealthlab.com
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