What to do if you lose your job and have no savings

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Information What to do if you lose your job and have no savings

Title	:	What to do if you lose your job and have no savings
Lasting	:	10.34
Date of publication	:
Views	:	19 rb

Made redundant today brIve been over payed for 15 years and I have no qualifications
Comment from : Some One

thank you so much for this
Comment from : Todds Funeral Services

I lost my job no family to help just move to Virginia
Comment from : Kay Smith

Thank you luv 😔
Comment from : Neeko

streetcorner
Comment from : Victoria Thorsen

Just listening to this on 10-14-21 Still a great message
Comment from : ALESHIA WHEELER

Love your videos Thanks for caring
Comment from : Helping Others in Housework with Ronda

I’ve worked at Walmart (Sporting Goods) before, and although it was definitely something I FELT embarrassed about, I was treated well and was able to work the hours I needed #worthit
Comment from : Allysandra

I just found your videosI’m sitting here in NY binge watchingI am one of those grateful ppl who still have a joband I feel I had a decent emergency fundbut it always seems like a bill is always come up And with everything going on I feel having an emergency fund regardless if a person can afford it or not is essential Imagine not being able to make ends meet and u have job Now imagine losing that jobemergency funds are important
Comment from : Glam rock Freddy

Thank you !
Comment from : Tara Patrick

Shirt looks pretty on you
Comment from : Danielle Andrade

I love how honest and sweet you are 💕♥️💕
Comment from : Rachel G

Thanks for your video, Lydia My partner and I fulfilled a move 5 years-in-the-making, from the top of the north island of New Zealand to the bottom of the south island earlier this year It just so happened that our country went into lockdown just 3 weeks later, and I have now been out of work for 5 months We're so lucky in that my partner was able to find a job a couple of months ago and we can now meet our monthly outgoings (barely) but our savings have been depleted and it's extremely stressful knowing we have nothing to fall back on if things go south again It's nice to know that we're not alone (although it saddens me that there are so many in the same boat and others who are a lot worse off) Good luck out there, everyone Keep smiling, the only way from here is up!
Comment from : Ki Wi

Ahhh you forgot FORCE MAJEURE, this is a legal concept that can get you out of debt and obligations due to an Act of God or disaster Please look it up for yourself I am not a lawyer but from the information I had researched it will be very helpful for you in negotiations with your landlord and/or debtors If they are smart they will give you a reasonable offer rather risk going to court and having the case dismissed offhand due to the overwhelming case load due to this Please look it up and play it smart as another option for you
Comment from : DrStrangelove

I love your personalityyou keep it real, and in a auntie type of way Not harsh, but real quality advice
Comment from : Brittany R

Lydia what does it mean when you refinance your home? 🙅🏻🙅🏻🙅🏻🙋🏻
Comment from : Susan Velez

Thank you for this helpful advice This time reminds me of past seasons in my life when financial stress was ever present Although our family is now well in terms of finances and health, it has not always been this way for us I have a lot of compassion for others who are coping with great hardship and a lot of uncertainty Comfort can be found in knowing that this time will pass
Comment from : Lizzie McDougall

I like your new office It looks so nice :)
Comment from : Harris Inkwell

A lot of churches here in MD have started community food pantries Also, school systems are giving out free lunches to any aged kid up to age 18
Comment from : Denise Kiser

I live in Alabama too and cannot find a good enough rate to refinance Any suggestions?
Comment from : Elizabeth Mowjee

Please make a video about your refi! Would love to learn more about it and hear about your experience
Comment from : francis campbell

Good morning 😊❤❤☕☕
Comment from : Helen Baysinger

I like the color of the wall, thank you for the video
Comment from : Thelma Espinel

Great video!brbrAs an aside, you’ve mentioned before you homeschool and do a co op We are seriously investigating Classical Conversations It’s kind of a chunk of change, which I wouldn’t mind in normal days, but am wondering if it’s worth it with not knowing if they’ll be able to meet in person or not (And also worrying about health with being there- just being honest) Curious if you’re involved in that one or just generally what your thoughts are in co ops this fall General line I’ve heard is no one knows Of course But with a brand new to school kid I’m trying to see what veteran moms are thinking
Comment from : K B

your hair looks good I am waiting for my hairdresser to call me for an appointment
Comment from : Jo-Ann MacNeill

A tip for claiming unemployment: make sure to check the schedule for when it’s your turn to claim every week because it keeps changing every week
Comment from : Aracelis Ruiz

People need all kinds of encouragement these days Lydia Thanks for providing that Stay safe!
Comment from : Rainbow Phoenix

My hubby was collecting unemployment and he went back to work and he was making more money on unemployment but it was the right thing to do Today he found out that an employee had been working even tho he had covid-19 😱 so now he might be out of a job, if they close the job down
Comment from : roxy Jinks

I want to remind people, even if you did do something to cause yourself to be unemployed Ie a firing (not a layoff) It is still something you can learn from and to realize that you can’t go back and undo it Focus on what you are going to do in the present and the future It is the same with financial debt Sometimes we are in debt because of decisions we make, other times it is circumstances that are out of our control But either way we are in the circumstances we are in and we can only move forward
Comment from : Alexandra

Thank you for sharing Very helpful I will also watch the other videos mentioned since I am currently as well in this situation
Comment from : Gia

There was a time in my life, where I had to chose to buy a box of cereal or a loaf of bread I stood in the department store and bawled My daughter was in diapers and my husband was a student We were broke My solution (not the best one) was to increase the store credit card I had in my wallet, which was maxed out at $500 It put me in debt, but, I paid it all off and fed my family with $50 worth of food A mom's gotta do, what a mom's gotta do Now, I'm debt-free and ok Life is made up of moments, some moments are better than others Thank you for sharing your experience at Walmart My crappy restaurant job had me smelling like grease when I got home yuck!
Comment from : Chris

I appreciate you Thx for reminding folks to be kind to themselves and others brA job loss in the best of times is hard enough - paralyzing Having some concrete suggestions and ideas on what to do is so helpful Thanks so much
Comment from : Jacqueline Morris

I feel ya I understand how hard it can be right now to find something to say that isn't demoralizing or depressing not because you don't care you definitely do and are doing what you can It's more that even if we could help there are only so many we can help so even if you're ok, if your neighbor, your kid's sitter, your old coworkers, close friends, family, and classmates are hurting you can't help them all To watch so many in pain and have people in power who are showing our system has failed to do it's one job - take care of the people, it can he really hard I don't know if this video will help you It helped me Take care and congrats on a walled office! brbr youtube/WA_M7Eqc2H4
Comment from : Jasmine Tracy

You are so compassionate 💖 Thank you! I've was right there with you in 2008 Worse year ever! This is not as bad thanks to lessons learned!
Comment from : Karen Clickenger

Wooohooo! You have a desk!!! Awesome!
Comment from : Sarah Girard

Your caring, nurturing heart shines through, Lydia Love and hugs from your neighbor up North
Comment from : Liza McRae Bishop

I remember growing up and my mom was a contractor, she would finish a contract and not always have something lined up right away She would go on unemployment and we would just survive Sometimes it was hard But every single time, we survived We also would be grateful for what we could get We also always donate to the local food shelf when we could because we wanted to be able to use it if we needed it We would donate more than just foodthings like feminine hygiene needs, baby needs We had what we needed, but not everyone can survive as well as we did Helping makes it a little easier to handle brJob loss is hard!!! My heart goes out to all of the people that won't survive this ♥️🥺
Comment from : Michelle Bird

During World War 2, I think Americans had house boarding SO if you know of a family that loses their home (which I hope not!) and you have room in yours you can share and split the cost of mortgage I don't think renters can rent out, lol ALSO, if you are kicked out of your home there are hotels that will take you on and pay weekly Some as low as $100 a week Seek food pantries Some you can go to ALL in your area! And one should seek all because one may give house supplies (toilet paper, soap) while others give free clothes, others fresh fruit and veggies and others only canned foods This is one way to keep your cash and still have food while saving for more $ Don't feel guilty, when you get back on your feet, you can give a ton back! Search your schools or Mayor for these Food Pantries :) Try to grow a garden in your yard, ask help from your neighbor too YOU CAN ALWAYS GIVE BACK! Some schools will feed children during the summer too!
Comment from : enlightenedbygrace4U

Lydia: Thank God you are prepared this time around I guess we learned from the 2007 crash I am more prepared this time around too I have my emergency fund x's 2 and I have been working from home permanently Thank you for ALL your videos! Much love to you and your family 💗💗💗💗💗
Comment from : Miami Florida

Just curious - why are you planning to refinance your home when you were scheduled (pre-Covid) to have it paid off in approximately 25 years? With closing costs and other expenses, how will you benefit from refinancing? I am interested in your response Thanks, Lydia
Comment from : Lann Barnes

You bring such hope to people God bless you for helping!
Comment from : Genie M

You are always so sweet 💗
Comment from : Mari Garza

Another good video!
Comment from : Elizabeth Libero

Thank you for always addressing issues in a relatable way that is also so kind and gentle
Comment from : Paula Crocker

I just became a delivery driver for a local pizza place while I'm in college to become a cpa I have no shame and take my tips with open hands I am blessed to be working in this epidemic
Comment from : Gracie May Budgets

what a sweet and encouraging video, I love how peaceful you are
Comment from : Centsible Living With Money Mom

A lot of people don’t have enough savings because they spend on stupid things such as the latest gadgets, cars they can’t afford, living in overpriced areas adopting minimalism can be a helpful tool in prioritizing what’s essential in life
Comment from : Pri USA

You’re a good woman, Lydia
Comment from : Medi Cal

Lydia - brTHANKS for always being SO resourceful, positive, encouraging, and understanding👍💖🌈
Comment from : Tippys Grammy

Thank you for always being so encouraging and strong Continue to share because someone will draw strength from it
Comment from : Claudia Foster

We are lucky because my husband is retired military and has VA disability as well He is not high enough disabled so he is able to work But if he loses his job we have that Plus we have 4 months of income to pay all our bills and food even without the retirement We could refinance our home
Comment from : Catherine Benton

Wow that was brave and hard to hear I think personally that acknowledging the situation of loss and the grieving that goes with losing a job, a way of life, a picture of what you imagined the next few years were going to look like together with the loss of control has to be named If not addressed it can lead to depression So keep an eye open for that, and speak to your family doctor Dealing with the emotional and mental impact is as important as the physical And just one more thing Lydia are so right telling people not to beat themselves up when they ask for help People really do want to help Just imagine the situation was reversed, and how you would want to help someone who needed it Anyway, I absolutely love your videos So smart and generous and addressing huge issues You are awesome!
Comment from : Caroline

Hi Lydia, I love ur videos Your are so positive person with big heart I used to worked in Radio station and they have no money to pay us So they offered us CDs instead of salary :D I left the same day and still have 3 CD as the memory of those days
Comment from : Zuzana Heisterova

I want to tell you thank you because of you my family will be one of the lucky ones Because of our emergency fund even though my job and my husband's job cut back our hours we are going to make it through this time We did exactly what you said made a new budget and turned off things we don't need right now Also in Wisconsin i was able to get unemployment even though my company still has me working a little but not full time Again thank you so much for these videos
Comment from : nicole kreul