1. New Directions Surviving a Layoff or Job Change

2. Where Are You Now? What happened? How are the finances? What resources are available? Who must be contacted?

3. Where Are You Going? Prepare for the future Budgeting, saving, spending Stay Positive Request a financial counseling session

4. Review Your Finances Income Expenses Debt Benefits

5. List Sources of Income Unemployment Savings Severance Temporary jobs Spouse Raising cash Family members Other

6. Review Expenses List in detail Determine needs vs. wants Prioritize Reduce daily expenses

7. Evaluate Debt Contact Creditors Ask for reduced payments Use credit sparingly Update your credit record

8. Don’t Forget the Benefits Health Insurance Severance Pay Pension or Stock Options Occupational Coaching

9. You’ve Reached Your Destination! Congratulations Repeat the Process – Regroup and reevaluate – Review your finances – Plan for the future

10. New Directions - Surviving a Layoff or Job Change