When you become a parent, your whole life changes because it’s no longer about you and what you want, it’s all about your children. Your children are your whole world, and that’s exactly how it should be. The issue is that being their sole provider, you have a lot of responsibilities, and one of which is ensuring that you can afford to keep a roof over their heads.
It’s all well and good when you’ve got a job and are working and can support your family financially but what happens when that isn’t the case? Whether you’ve lost your job through redundancy, been signed off sick due to an accident or illness, you’re not able to work due to family commitments, then you may end up struggling to make ends meet. With the layoff and unemployment rates so high this is a daunting experience.
The good news is that regardless of your situation, there are steps that you can take to help ensure that you and your family don’t struggle financially. Wondering what these steps are? Below is a guide to everything that you need to know about supporting your family when you’re not able to go to work.
Consider your options
The first step to supporting your family when you are not able to work is taking the time to consider your options. Whatever the situation that you are in, you should be able to come up with a plan of action to make things better. Say, for instance, you’ve been signed off sick after a serious accident, you could contact an experienced attorney and look at getting some compensation. Or, say you’ve lost your job due to redundancy, perhaps you could land a temporary role to tide you over while looking for something more suitable. You always have options, it’s just a case of working out what they are.
Whenever you find yourself in somewhat of a sticky financial situation, it’s always a good idea to spend some time doing some creative thinking. As you never know, you might be able to find your way out of the mess that you are in by getting creative. For instance, say you are unable to work in a conventional role due to family commitments and time constraints, instead you could opt to work from home in a freelance capacity. Remote work comes with the ability to work flexibly, which is what makes it so popular – if you’re struggling to work around your family, this could be an option worth considering. Remote working has changed my life. I started with a small blog and before I knew it I was making money freelance writing and blogging.
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Be smart about your spending
One of the most important things, when money is tight, is to be smart about your spending. The key is to get into a habit of budgeting what you are spending – to help you to do this, there are plenty of apps that you could opt to utilize. When it comes to your weekly food shop, to ensure that you aren’t overspending and buying things that you don’t need, create a list and stick to it. Remember, when making your list, to meal plan effectively. Get your free meal plan printable here. My family used cash instead of cards. It was easier to physically see what we had and it made us less likely to spend it. Also, remember that downsizing can be essential in those types of situations. It doesn’t take long to realize that downsizing isn’t always a bad thing. We have downsized to a minimal lifestyle and it has been very rewarding for my family.