6 Ways To Keep Afloat

There are so many ads going round currently that are claiming to help those who have suffered an injury at work. These are the companies that work on your behalf to take a cut of the compensation that you are entitled to. It’s a no-win, no-fee guarantee for them majority of them, and they are working tirelessly around the clock in order to get them the money that they are entitled to – not necessarily you. A lot of the time they’re cold-calling just to see if there is anybody that is needing their help. However, for those that do need a bit of guidance, you don’t necessarily have to wait for the phone to start ringing. Even if nothing has happened at work that has seen you out of a job (either temporarily or permanently) but it has got you thinking about changing jobs, now is the time to start searching for other options. 

Have Backup

If you are working in one job and have had an accident there – or even just don’t like it and want to quit – it’s always good to ensure that you have backup available. Whether this is in terms of insurance to pay you out if you have injured yourself, another job to go to which isn’t as demanding physically for when you are better or even just something that you do in your spare time that brings in a bit of extra cash, every little helps. It may be worthwhile having a look around for jobs that you can do from home online, such as copywriting or transcribing. Even if you do just a few pieces a night, it’s a way of getting your foot in the door should you wish to move fully into the career or just use it as a stop-gap between jobs. Keeping yourself constantly earning can be hard to do unless you’re either earning a passive income or have a couple of jobs to tide you over. It’s pretty hard to do the former unless you’ve worked at it for a long time or struck lucky, so stick with the latter and see how you go. 

Seek a Lawyer

If an accident has happened at work, you will need to see if there is anybody that saw it happen. Even if there wasn’t anybody physically there, check to see if there was any CCTV or other video monitoring that captured it on film. There are a lot of health and safety regulations that are put into place in every company, and if they aren’t adhering to them, it is something that definitely needs investing.Getting a personal injury attorney to help with anything should the worst happen is definitely a good thing to keep in mind. Even just getting in contact and seeing if they could potentially represent you without having a case yet definitely puts you in good stead when trying to see who is available to fight a case for you. 

Ask Around 

There are always people who are willing to help you out – neighbours especially, as there is a sense of camaraderie that goes round small communities which means that you will not be seen to be destitute. This is more so if you are involved within the community, but you could look to a church or another religious organisation for help if you are really struggling. If you know that you have hit rock bottom with your finances, consider calling a helpline that may be able to advise you as to what your next steps are to be able to get yourself out of trouble. 

Look For A Break

This could be a tax break due to the situation that you’re in, compensation for what you have missed out for or even just a payout from an insurance company. You really do need to look for everything that you could claim, and not because you’re being greedy; in a lot of cases, you are owed this money or have earned it by paying into a scheme. Don’t try and convince yourself otherwise or feel guilty about taking something that has the potential to get you back on track with where you need to be budget-wise. 

Look For Opportunity

There is more out there in terms of jobs and work available that you may originally think. Opportunities are arising all over the place, but more noticeably on social media sites like Twitter and Facebook. Even putting your CV onto LinkedIn could spell great things for your career if the right person is to see it. Networking and seeking out the jobs that are right for you is one way to keep yourself constantly afloat financially, as there will always be something available for you to turn your hand to. The more you speak to people, whether in person or online, the more that you are likely to make an impression with them. Give out contact cards so they can get in touch with you easily should anything become available. 

Start Budgeting

You don’t have to hit a low to start budgeting – it’s actually more financially sound for you to start putting your money away safely while you’re bringing it in. That way you have a safety net to fall back on when things don’t go as much to plan as you may have thought that they would. Try to look for a bank that offers an account with a good amount of interest; one that it is hard to make withdrawals from, or that you can make a limited amount of withdrawals from throughout the year. Don’t make it accessible via the internet or from an app on your phone – this needs to be the place where money is kept safe and secure and away from the hands which are willing to withdraw for things that aren’t emergency-based. It could get to the point where you think that you could possibly treat yourself with the money that is available in your account, but this is a dangerous way of thinking.