How to Budget After a Job Loss

How to Budget After a Job Loss

If you’re reading this because you’ve lost your job or had a pay cut, we want to stop right here and say this: We’re so sorry. It’s scary, and we don’t make light of that. But we honestly believe that hope is greater than fear. So, that’s what you have here: hope. You can take care of yourself and your family. You can still make the best decisions possible with your money by budgeting through this situation. You will get through this.

It’s okay to admit you’re afraid. Then, stand up against that fear with these practical budgeting steps:

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What Is Zero-Based Budgeting?

Ever found yourself in this spot: You think you’re keeping up with your money, but some of it seems to grow wings and flutter out the window at night. We’ve all been there.

The zero-based budgeting method is just what you need. It gives all your dollars (all. of. them.) a job. Because guess what—your money isn’t magically escaping. It’s just needs something to do.

Here’s everything you need to know to make this zero-based budget life happen.

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How to Close Out Your Monthly Budget

When you were young, you probably believed in the tooth fairy: a spritely creature with an affinity for enamel who fluttered in and traded quarters for dislodged teeth.

You’re all grown up now and put those flights of fancy behind you—yet maybe you still hope for a budget fairy to track your expenses, update your spending totals, and set up next month’s budget categories.

Nope. This is the real world, with adult teeth and adult financial responsibilities. One of those responsibilities is closing out your monthly budget. Even though that sounds overwhelming or like one more task to clutter your to-do list, it isn’t that bad. We promise.

If you want to know how to close out your monthly budget, you don’t need magic. You just need to follow these five, simple steps. 

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