Overnight, a separation, an accident or the loss of a job can threaten your whole life and the financial balance on which you had built it. While there are no quick fixes, there are some tips that can help keep your head above water.
It is first of all upstream that it is necessary to act in order to be able to face the hard knocks of life. Common sense behavior, avoid living in the open as much as possible and save even small amounts each month. For example, you should capitalize the equivalent of six months of expenses on your passbook A. When taking out loans, study the insurance proposals that can cover certain risks such as job loss.
Don't play the ostrich
Regarding the attitude to adopt in the face of a sudden loss of income, it is a question of being pragmatic. Find out immediately about the various financial aids from which you could benefit: unemployment benefits, daily social security benefits for a work accident, or even obtaining the allowance for disabled adults ... Depending on your resources, you can also receive active solidarity income (RSA) as well as housing allowances.
It is then a question of adapting your lifestyle to your new budget. List all your expenses and see how to reduce them. It can be by doing without certain leisure activities, by postponing purchases but also by asking to benefit from the advantageous prices reserved for modest households such as the energy check or the complementary health solidarity.
Regarding your debts and in order to avoid being the subject of recovery procedures later, it is better to inform your banker and your various creditors of your new situation as soon as possible, in order to negotiate repayment terms more in line with your means. .
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- Accident
- Unemployment
- Precarious
- Bank
- Indebtedness
- Budget