5 best ways to keep your job
Are there rumors circulating in your office that there may be downsizing, layoffs, or a merger? Are you terrified and unsure what to do? These five suggestions will help you feel more in control of your finances:
1. Should you buy a hybrid automobile
or at the very least one that gets better gas mileage, now that gas costs are skyrocketing? Do it now, while you still have a job. Check to see whether the dealership provides any consumer benefits, such as a refund or a cheaper loan interest rate.
2. Examine your monthly invoices with a critical eye
Are you in debt up to your neck? This is the moment to tighten your belt and try to get a grasp on your present interest rates. Is it possible for you to pay off part of your debt right away? Transfer to a credit card with a lower interest rate? Is it time to renegotiate your mortgage or take out a home equity loan? Not after you've received your pink slip, but now would be a good time to take care of this.
3. Are you aware of the perks to which you are entitled at work?
Take the opportunity now to inquire about the benefits you're presently enrolled in with Human Resources. If you have health insurance, make an appointment for any physicals or medical testing as soon as possible to take advantage of this benefit. Take advantage of whatever dental or vision coverage you may have, and have those eyeglasses or contact lenses updated right away, or make an appointment with the dentist for a check-up. Those co-pays are far less expensive than paying full price afterwards.
4. Is there anything you can cut from your monthly budget?
Stop purchasing those morning lattes and you'll save approximately $80 in a month. Instead of going to the cinema, rent a DVD. You are the only one who can determine what you can and cannot live without, but here are two excellent instances of the latter. Reduce your eating out and you'll have more money in your wallet right now, when you really need it.
5. As you pull out your wallet for day-to-day spending, be more conscious of whether you actually need to buy that thing.
Now is not the time to go on a buying binge to make yourself feel better. Rather, make an effort to be more conscious of where your money goes on a daily, weekly, and monthly basis.
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