Dealing with Departure: How to Cope with the Loss of a Loved One

Life burns brightly and ferociously for a time. This light is warm and loving, but it dims at some point. The cinders of a life extinguished can break a heart so harshly that appreciating life can become impossible. The following are a few tips to help you deal with the loss of a loved one and avoid a spiral into depression.

Support System

One of the most important steps to take is to have a good support system at this time. This group of people could be friends, family members, or people at your place of worship who are sharing the grief you are dealing with. You can also meet with a grief support group in your area. These people have also lost a loved one. Being able to share what you feel with people in a similar situation can be very therapeutic.

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Dearly Departed: 3 Strategies To Cope With The Loss Of A Parent

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The death of a loved one invokes unparalleled sadness. However, grief takes on a new meaning when you are mourning the loss of a parent. 

When your mom or dad dies, you may struggle to come to grips with his or her passing and not know what steps to take to find closure. You may find it easier to move on with your life and find a resolution to your grief by using any of these three tactics to cope with the death of your parent. Continue reading “Dearly Departed: 3 Strategies To Cope With The Loss Of A Parent”

5 Things You Should Do if You Lose Your Job in a Downed Economy

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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.