If your unemployment benefits have been exhausted, there are several steps you can take to manage your finances and seek additional assistance:
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Create a Financial Action Plan: Review your budget and expenses to determine where you can cut back and prioritize your spending. Consider seeking help from a financial advisor or credit counselor.
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Apply for Government Assistance Programs: Check your eligibility for government assistance programs such as SNAP (Supplemental Nutrition Assistance Program), Medicaid, or housing assistance.
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Check on Eligibility for Extended Benefits: If you have exhausted your regular unemployment insurance benefits, you may be eligible for extended benefits. These benefits are available to workers who have exhausted regular unemployment insurance benefits during periods of high unemployment.
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Search for a Job: Start looking for a new job as soon as possible. Consider updating your resume, networking, and applying for job openings.
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Consider Nontraditional Employment: Consider alternative forms of employment such as freelance work, part-time work, or gig work.
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Contact Creditors: If you are unable to make payments on your debts, contact your creditors to discuss your options. You may be able to negotiate a payment plan or deferment.
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Seek Help from Nonprofit Organizations: Nonprofit organizations such as food banks, community centers, and religious organizations may offer assistance with food, housing, and other basic needs.
Remember that the types of benefits you are eligible for will depend on the policies in the state where you worked and the conditions of your previous employment, so make sure to discuss all of your options with that states employment agency.
