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Surviving Hard Times - How To Do ItArticle Summary: Surviving hard times does not require being tough as much as being smart.
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Surviving hard times is not so much about learning how to be tough or eating cheap noodles as it is about careful planning and self control. First, lets consider a worst-case scenario. Suppose we are entering another great depression. It's worth noting that at it's worst last time, there was 25 of people who wanted jobs had them.
Step number one for surviving hard times then, is to try to be in that 75 will retain jobs this time around). If you are in an industry which is likely to face large job losses, then, start looking around at what else you can do. Learn some new skills if necessary, but at least [url=http://www.nitafrymeece.com/louboutin/]christian louboutin pas cher[/url] have an idea of where you'll immediately start applying for jobs if your current one is lost.
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Whatever you do, a job can be lost, and if lost at the worst time it may mean months before you can find another. Prepare for this [url=http://www.riad-marrakesh.fr]www.riad-marrakesh.fr[/url] possibility. How do you do that? There are three basic steps you can start taking right now.
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3. Reduce Your Expenses
This is one of the most important steps you can take. [url=http://www.reedlawky.com/hollisterde.php]hollister[/url] Suppose you are living on $2,500 per month, and after losing your job you have to take a $7 per hour fast food position for a while? What would happen? Not too much if you had cut your basic expenses in half before you lost the job.
First, pay down any debt you have as fast as you can. Start with the highest-interest debt - most likely your credit cards. I normally would not recommend rolling such debts into a home-refinance (you essentially convert short-term debt into long-term debt and pay far more in interest [url=http://park21.wakwak.com/~yakumo/cgi-bin/bbs10.cgi]barbour france paris Reasonab[/url] as a result). But if it seems likely that you will be losing your job, you may want to reduce your monthly payments by converting them into a lower house payment.
Look at every single thing that you regularly spend money on and find ways to reduce the cost of each. It might be the right time to [url=http://blog.ptsllc.com/?p=22#comment-355291]Discover Why Online Games Are Superior than Computer Games - written by B.B Dhar[/url] refinance your home. You can install fluorescent bulbs all over the house to cut electrical costs, turn down the thermostat when you are out, buy a low-flow shower head. Maybe you will even decide to cut back to one car instead of [url=http://www.tileproject.net]barbour sale[/url] two.
Surviving Hard Times - A Review
Made yourself [url=http://www.batfriendtrust.it/category/hogan-outlet/]Hogan Outlet[/url] indispensable at work. Explore other job possibilities. Learn new skills if necessary for other employment. Have a contingency plan or two. These are the steps to take so you'll be one of those who stay employed.
Stock up your cupboards. Start setting aside some money for hard times. Pay down debts. Find a way to live on less and make it a habit. These are the steps to take so that [url=http://www.mamlekabu.co.uk/mulberry/index.php]mulberry outlet[/url] even if you lose your job you'll be okay until you find the next one.
By the way, this isn't just a recipe for surviving hard times. It will also make you more financially secure in any economic circumstances. In fact, if your job seems secure, and you have taken the steps outlined above, you may find that you have enough excess income to take a nice vacation.
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