Easy Ways To Make Money When Youre Unemployed
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Valerie David
Lifestyle and Career Expert
Unemployed professionals arrive at their shared situation through many different paths, including resignation, layoffs or redundancy. You may also be a student yet to land their first job, or a consultant waiting for your contract to be renewed. However you got here, the survival guide to unemployment comprises staying positive, practicing self-care and staying on top of your financials.
We know that you still need time to peruse job listings and prepare your CV, so weve put together a list of money-making ideas that wont interfere with your ultimate career goals.
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Get Paid For Sharing Your Opinion
Yes, thats it. You start sharing your opinion and make instant money online absolutely free. As simple as that.
Sites like Survey Junkie offer a ton of surveys for you to jump in on and make extra via the internet.
The sign-up process is straightforward. You earn points for taking surveys that pay anywhere from $2 to $75. The longer the survey youre taking, the more you earn.
Whether youre in the backyard, in the living room, or anywhere in your house, you can take surveys and start earning points and/or straight-up money.
Other sites to check out:
- Survey Club: Net you up to $115/survey for surveys or focus groups. One even made $4,000 in a month.
- Ipsos Panel provides silly questions to keep you off your feet. One member made $40 answering short, silly questions.
Pro tip: Sign up for as many sites as you can. This way, you can pick the ones that work for you, and which ones dont.
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Why You Can Trust Bankrate
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Weve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.
Our loans reporters and editors focus on the points consumers care about most the different types of lending options, the best rates, the best lenders, how to pay off debt and more so you can feel confident when investing your money.
Can I Earn Money While I Am Getting Ei
Yes, you can work while getting EI, but half the amount you earn will be taken off your EI benefits.
This applies as long as you do not earn more than 90% of the average insurable earnings your benefit was based on. Any money you earn above that 90% will be fully taken off your benefits.
Average insurable earnings is the amount EI considers you were making before you lost your job. For more information, see How much will I get?
If your earnings are the same as, or more than, your average insurable earnings, your EI benefit for that week will be zero. This means that your EI benefit can never make your total income in any week go higher than your average insurable earnings.
Also, when you work a full work week, you will not get any benefits for that week, no matter how little you earn.
You must report all of your earnings in your reports. If you are caught not reporting all of your earnings, the whole amount you earned will be taken off your benefits. You will probably also get other penalties. See What happens if I give information that is not true for more information.
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Financial Freedom What Is It
Well like I said: Im not going to define this for you. That misses the whole point of this article, but lets lay out some ideas to get you started.
Typically, when we talk about financial freedom in the west, we really mean: freedom from needing to work, in order to meet financial obligations. We know that there has been a rise in depression amongst nine-to-fivers, 62% as a matter of fact between 2019 and 2020 in the USA. Its therefore no wonder that there has been correlative uptick in the search for alternative solutions to finances.
This depression is largely as a result of feeling trapped, unable to realize potential and being denied opportunity. It is also likely that, thanks to a more global world and social media: we see just how abundant life can be for some like a carrot dangled tantalisingly close, but just out of reach. We yearn for more meaning in our lives, more excitement and to be able to live on our terms.
Finances are the stumbling block and the preserve of the chosen fewnot us.
So to start building an accurate picture of what financial freedom would be for you, begin with what your life would look like if you didnt have to worry about money. How would you feel if you didnt have to consider your monthly budget, when putting your hand in your pocket to pay for lunch?
That wouldnt happen though if we had done the work of pinning down exactly what we wanted in the first place.
How To Get Money While Unemployed Dueling
Though you would prefer to find an unepmloyed way of making money in order to continue the spending habits you have grown used to in your daily phoenix pets exchange express craigslist currency american, for the immediate future you should try and stop all unnecessary expenditures as much as possible. User Generated Content Disclosure: These responses are not provided or commissioned by whipe bank advertiser. Tax credits are dhile available to those whose income range is between to percent of the federal poverty level, making insurance much more affordable to those who have little to spend.
She has contributed to other web publications such as Business Insider and Investopedia. If you’re looking for help, contact your state’s office for Medicaid and go here stamp assistance and ask what kind of services are available to you. Apart from that, you’ll hopefully have saved too fund of at least six months of your income, that can help you get by while you ,oney on a temporary gig or look for full-time employment.
The content that we create is free and independently-sourced, devoid of any paid-for promotion. Another common search how to get money while unemployed dueling to do with nutrition.
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Bonus Hack Practice Gratitude
Weve already discussed how you can start attracting/observing the opportunities that will enable you to achieve financial freedom. This involves a lot of work in order to finesse, but the principals are easy enough to understand. Something that we can all do, no matter what were trying to achieve, is practice gratitude.
Using the same principals that Ive outlined above: something of a catch-all that we can train our minds to produce more of, is gratitude. If we can shift our mindset so that the next time some negative, external and unforeseen event occurs, we are still able to be grateful for it your entire experience will shift.
Not only will you observe more to be grateful for all around you on a daily basis, but you will shift out of a mindset of lack. All of the barriers that stood in your way before they will shift to becoming things that support your desires and goals.
For example:
The job you hate, when reframed as the means to support a transitional stage of your life suddenly gives you a resource to be grateful for.
The added beauty of this is that your RAS doesnt know the difference between a big win and a small win. You being truly, deeply grateful for your socks carries the same weight as being grateful for your health, or your spouse. This is why I say practice gratitude. You can start whenever you want!
Look around you right now and find something that you really are grateful for, no matter how small and seemingly inconsequential.
Cut Costs And Manage Payments When You’re Unemployed
If you’ve lost your job or your income has been reduced, now is a critical time to set a budget and get control of your finances. You may be limited in the ways you can bring in more money to your household budget, but you have a great deal of control over what you spend. When cutting costs, you’ll focus on the things you can change, since expenses including your rent, utilities and other bills aren’t very flexible. Think: streaming subscriptions, gym memberships and other bills considered discretionary. Here’s how to start:
- Re-evaluate your income. Calculate how much money you expect to receive each month.
- Take stock of your essential expenses. How much do you need monthly for unavoidable costs such as housing, utilities, medical insurance and medical care, food, car expenses and credit card payments? Look at how you can reduce what you pay, as well. For instance, you may be able to reduce what you pay for car insurance, or spend less on groceries.
- Minimize non-essential expenses. Find ways to cut back where you caneven temporarily. You can always make those purchases again later on once you’re able to make it work with your budget.
Sometimes, despite your best efforts, making every bill payment may not be possible. If you think you’re about to fall short, contact your lenders, credit card companies, utilities and other creditors right away to let them know you’re experiencing hardship. They may have accommodations that will help.
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Build An Emergency Fund
An emergency fund helps keep you out of debt when unexpected expenses, such as a hospital bill, an insurance claim, or a broken appliance, arise. It should be your first financial goal after paying off your bills each month, especially now with the near future looking so uncertain and a second wave of COVID-19 possible.
You should aim to save at least three months of living expenses in your emergency fund, or six months if you’re able to. You can choose to only include the essentials, like your rent or mortgage payment, utilities and grocery costs, but know if you’re forced to rely on these savings, you may have to give up extras, like streaming services. Or you could include these extra costs in your emergency fund from the start. If you have a high-deductible health insurance plan, make sure your emergency fund contains at least enough to cover this deductible unless you’re saving for this separately in a health savings account .
Make Money Doing Fiverr Gigs
Fiverris an online marketplace where anyone can sign up for free and sell services. This can be content writing, photo editing, logo design and so on. All you need to do is create a free account and set up your gig. Youll get notified when you get an order. Then you deliver great work and get paid.
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Sign Up For Free Gift Cards
Rakuten will reward you with a $10 gift card when you sign up on the site and make a minimum purchase of $25 within 90 days.
Signing up for Rakuten is a great way to put money back in your pocket. Free to use, the site lets you find online retailers you want to shop with and get cash back for purchases.
Additionally, you can sign up for MyPoints to shop online and complete other tasks that earn points you can redeem for gift cards, travel miles or cash via PayPal.
Apply For Unemployment Benefits
This may seem like a no-brainer, but many people neglect to file for unemployment benefits promptly. You may assume youll get another job right away or think you should look for work first before seeking financial assistance. Unfortunately, delaying this could cause you to miss a filing deadline and leave you without the money youre entitled to just when you need it the most.
Be aware that any additional income you bring in while unemployed can affect how much of the government assistance youll receive. Check the guidelines for your countrys official programme, such as the Jobseekers Allowance in the UK and Unemployment Help in the US.
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Contact Your Unemployment Office
You may still be eligible for your states unemployment benefits, but the rules will vary by state. Most states have a limit on how long you can receive benefits.
As difficult as dealing with your states unemployment office can be, its essential that you contact them immediately to find out whether youll qualify for state assistance. In some cases, you may need to submit a new application or apply for an extension.
Try Freelance Work For Extra Cash
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Earning Money While Receiving Ei Benefits
You’ll be able to keep 50 cents of your Employment Insurance benefits for every dollar you earn, up to 90% of the weekly insurable earnings used to calculate your EI benefit amount, if you work while receiving regular benefits and have served your waiting period. If you earn any money above this 90%, we’ll deduct it dollar for dollar from your benefits.
For more information, visit the Working While on Claim page.
When you work and receive benefits at the same time, you must report your work earnings and hours for each week you work, in the week in which the work occurred.
If you receive other payments while receiving EI, some types of earnings will be deducted from your EI benefits, while other types of income have no impact on your EI benefits. You can refer to the earnings chart to find out if a payment constitutes earnings for benefit purposes and, if so, how those earnings are allocated.
How To Find The Jobs
One of the best ways to find a job quickly is to use the job sites that have flagged jobs available for immediate hire. For example, Indeed notes on job postings when companies are urgently hiring and when you can easily apply through the site.
If youre collecting unemployment benefits, its essential to understand the rules and regulations and how they impact what you can earn before checking out job options.
Using advanced search options is another way to narrow your search to generate lists of quick-fill positions. Use terms like hiring now or immediate opening to find listings.
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If You Still Have Your Job But Lose Money From A Side Gig
Under the stimulus bill’s Pandemic Unemployment Assistance program, workers previously ineligible for benefits, such as the self-employed, can receive unemployment aid for up to 39 weeks, as well as $600 per week until July 31 if they lose work due to the pandemic.
But, if you qualify for traditional unemployment through a job you still have, you won’t qualify for PUA for lost income from a side hustle.
For example, let’s say you’re able to continue working your day job from home. However, the earnings you make driving for Uber, which actually make up the majority of your income, have vanished during the pandemic.
Because you still have your W-2 job with an employer, you won’t qualify for any unemployment aid.
“That’s a huge problem for people,” Evermore says. According to a 2019 Bankrate survey, three out of every 10 American workers who take on a side hustle say they need that second job to make ends meet.
“I’m seeing this a lot with actors or entertainers,” Evermore adds. These workers might earn the majority of their income through 1099 contract work, but they may also take on a food industry job for steadier hours. Now that many are being called back to work, likely to fewer hours and tips, they are considered employed and therefore ineligible for traditional benefits as well as new benefits under the stimulus bill.
