Saturday, December 16, 2017
Business

Surviving financial down times easier with a plan

Living on a drastically lowered budget is never easy and if you're one of the many Americans who has been affected by the economic downturn, you know this firsthand. Although the adjustment is never easy, incorporating the five tips below into your daily habits will allow you to save money and help you through this challenging financial time.

Spend your severance wisely.

It can be tempting to use any severance pay you receive to keep your current lifestyle exactly the way it is. Unfortunately, when you're unemployed your future income isn't as secure as it once was, so it is important to immediately start saving much more. You must streamline your expenses by focusing on the most necessary bills — mortgage, food and electric. Take a look at your monthly budget immediately and cancel any expenses that are not absolutely necessary, like cable TV or a gym membership.

Understand your unemployment benefits.

Each state has different rules for unemployment compensation, including how much you are entitled to receive and when you receive it. If you are working sporadically, make sure you understand how to report this income and how it will affect your payments. Your state may have more than one procedure for filing, and the one you choose may affect your future eligibility or amount of compensation. Speak to a representative or counselor from your state's unemployment agency and make sure you understand all the rules. Most states also have programs to give you free computer access, job placement and more. Remember to find out all benefits and services that are available to you!

Don't let your debts fall by the wayside.

Those credit card bills are not going away just because you are unable to make your minimum monthly payments. Before you fall behind in your payments and rack up late fees, consider seeking outside help to manage your debts from an organization like CareOne Services. You will be able to reduce your interest rates and negotiate a lower monthly payment so you can continue working to become debt free, even when you have less money in your bank account.

Get your resume in shape.

Resume writing is always a challenge. Should you use a chronological layout, a "functional" layout, or a combination? How do you make sure someone will be able to open your resume once it's emailed, and how should you list contact information? Luckily, GCFLearnFree.org has all this information and more. With sample resumes, how-tos, and Q & As, you'll learn everything you need to know about resume writing. If you need to refresh your computer skills, they also offer free online courses in Microsoft programs as well as Internet basics.

Start hunting.

Make looking for a job "your job," and spend time online each day searching for work. Check daily listings on sites such as Monster.com and Indeed.com, and check out my other articles on www.foxnews.com/imag/ for additional job hunting and savings advice.

Clarky Davis is a debt management expert and spokesperson for CareOne Debt Relief Services. Her expertise is founded on her own personal experience in racking up debt and learning to live within her means while paying it down and saving — and this meant leaving the bars and $15 martinis behind and finding ways to have fun, without breaking the bank. Go tocareonecredit.com/ for more advice from Clarky Davis.

Comments
Taxpayer subsidies of Tampa golf courses are on the rise as struggles continue

Taxpayer subsidies of Tampa golf courses are on the rise as struggles continue

TAMPA — For the half of the year that Harry Nichols lives in Oldsmar, he plays 18 holes several times a month at Rocky Point Golf Course. On a good day, Nichols said he shoots close to par on the Dana Shores course. And if he’s really lucky, it’ll on...
Published: 12/15/17
Updated: 12/16/17
Fueled by indulgence and machismo, restaurants are a hotbed for sexual harassment

Fueled by indulgence and machismo, restaurants are a hotbed for sexual harassment

When Brenda Terry was 16 and living in St. Louis, she was a hostess and food runner at a sports bar where female employees wore cute, little cheerleading skirts. One night, she said, a patron grabbed her crotch. She ran to her management team and the...
Published: 12/15/17
Pigs can be therapy animals too. So can horses and rats and cats and llamas and … (w/video)

Pigs can be therapy animals too. So can horses and rats and cats and llamas and … (w/video)

Shrieks of laughter echoed off the walls of the hospital as Thunder the mini pig flopped onto his side and the children huddled around him, scratching his pink, hairy belly. He and his wet-nosed partner, Bolt, drew patients in wheelchairs and bandage...
Published: 12/15/17
Vology landlord challenges property tax assessment

Vology landlord challenges property tax assessment

LARGO — Eight months after paying $10.15 million for the office building that houses IT services company Vology, a New York company is suing the Pinellas County Property Appraiser and Florida Department of Revenue contending its $5.5 million tax asse...
Published: 12/15/17
Florida’s $1.1 billion Hardest Hit Fund winding down after some hard knocks

Florida’s $1.1 billion Hardest Hit Fund winding down after some hard knocks

In 2010, Florida was in the throes of an unprecedented housing crisis. One in every eight homes was in some stage of foreclosure. Today, the foreclosure rate is one in every 83. Because of that enormous drop, Florida’s Hardest Hit Fund will s...
Published: 12/15/17
Report: Rich will get still richer unless policies change

Report: Rich will get still richer unless policies change

By ELAINE KURTENBACHTOKYO — Global inequality has stabilized at high levels in recent years, a report said Friday, despite gains among the poor in China and much milder disparities in incomes and wealth in Western Europe. The World Inequality Report ...
Published: 12/15/17
How the Disney/Fox deal will shake up Hollywood

How the Disney/Fox deal will shake up Hollywood

Associated Press NEW YORK — After years of tremors, the earthquake that had long been predicted finally shook Hollywood. Disney’s deal to purchase most of 21st Century Fox ends the era of the "Big Six" major movie studios, toppling one ...
Published: 12/15/17
St. Petersburg’s Museum of the American Arts and Crafts Movement set to be complete in 2019

St. Petersburg’s Museum of the American Arts and Crafts Movement set to be complete in 2019

ST. PETERSBURG — The Museum of the American Arts and Crafts Movement, under construction since 2015, is scheduled to be complete by the summer of 2019.The five-story, 137,100-square-foot building will house businessman and collector Rudy Ciccarello’s...
Published: 12/15/17
Obamacare enrollment ends today, but some can get an extension

Obamacare enrollment ends today, but some can get an extension

Today is the day that open enrollment for the Affordable Care Act will close for most people. But those affected by the slew of hurricanes that pummelled Florida, Texas, Puerto Rico and other states earlier this year can take advantage of a two-week ...
Published: 12/15/17
Pack your bags: 107.3M Americans to set holiday traveling record

Pack your bags: 107.3M Americans to set holiday traveling record

A record-breaking number of Americans are expected to travel this holiday season.The American Automobile Association projects that 107.3 million Americans will pack their bags and travel more than 50 miles by planes, trains, automobiles and other mod...
Published: 12/14/17