 TITLE: How to Manage Payments if You’re Unemployed CONTENT: Rework Your Budget\n------------------\nWhile there may be resources and exceptions made during tough times, it might help to act on the assumption that you may not have access to those. If you don't operate on a budget, now is the perfect time to create one to track your monthly expenses and get an understanding of where your money goes. You might be surprised to find that some of your spending isn't essential and that you can tighten it more than you realize.\nIf you do have a budget, take a close look and figure out what you can temporarily trim during this period of unemployment. You may need to pause discretionary spending, like buying clothes or getting restaurant delivery, until you have consistent income again. Think about any recurring expenses you can temporarily cancel, such as subscriptions, streaming services or your gym membership. END