Managers working in the HR department often state that they skim over resumes in just a few seconds. They also say that horrible resumes are more plentiful than ever before. Take a look at resume tips below to ensure your resume is up to par and gives you a far better chance at getting an interview.
Though it eliminates the expenses of renting, owning a home involves making repairs from time to time. If you aren’t adequately prepared, these repairs can strain your family’s budget. Here are four steps your family can take to be prepared for necessary repairs to your home.
While living in a downed economy, losing a job in a household can be devastating. Not only is income being lost, but it takes months and sometimes years to locate a new job. And by the way things are looking; the job market will only get worse before it gets better. So if you have recently lost your job, there are some things you can do to keep your finances and credit score in order.
- Do not get into an argument with your boss over the loss of your job. You will need him as a reference when you apply for another job. So just accept the loss and move on. Plus, if you make a scene, your boss is likely not the only one who will hear what is taking place.
- You will need to create a list of what your monthly expenses are so you know how much you’ll need to pay out each month. Then you’ll see how much money you have left over to survive. Hopefully you have some money in a savings account. You should have at least six months of cash in a savings account in case something like this happens so you can survive for at least six months. You can also rely on the equity in your home as well as any lines of credit you may have.
- When you lose your job, you are entitled to government benefits. Many people feel embarrassed to apply for these benefits, but this is something that you worked for and therefore you should take advantage of.
- Resist the urge to dig into your 401k. If you take any money out of your account, you will be charged a large penalty tax. In addition, you cannot replace that money unless you take it out as a loan but that would just add another bill for you.
- Contact your creditors. Tell them your situation and they are probably going to be willing to work out a payment arrangement with you. It is a good idea if you call them to make a payment arrangement instead of just waiting for them to call you.