We all need a break sometimes. Life gets too hectic, and a vacation isn’t practical right now. The trouble is, taking a mental health day, or a sick day can sometimes add to our problems. You sit at home getting stressed about the work you’ll have to catch up on tomorrow! Still, if you know you’ve reached that point where your mental health or your physical health is starting to suffer, taking some time out is crucial. So how can you survive financially if you’re not at work?
Savings can be very helpful in these circumstances. In fact, if you have a bit to fall back on when times get tough, you’re less likely to fall into debt. You’re also less likely to work yourself beyond that breaking point. Sabbaticals or unpaid time off usually have to be negotiated with your employer. If you’re a carer for a young child, a person with a long-term illness, or an elderly relative, most employers are quite helpful. Your job will be safe, and you’ll be able to keep up remotely.
Of course, there are times when you’re forced to have time off work without pay. An economic downturn can cost you your job. An accident or long term illness can also leave you unfit for work for a prolonged period of time. Your employer may not be able to support you indefinitely. This means you could be on a reduced salary. It’s important you’re careful to manage your spend during this time. Start by getting some help.
First of all, if you’re in this situation because of somebody’s negligence, you need to figure out how to find a no win no fee solicitor to support your case. You also need to manage any creditors before you start getting into unmanageable debt. Contact each one directly and explain your situation. They should be able to offer easier payment plans to help you stay on track. You can find legal help for this too.
Time off work can leave you feeling quite low. To keep your spirits up, stay in contact with friends and colleagues. Keep in the loop about developments in the office. If you can work a little from home, this could be beneficial for you too. Speak to your doctor about the type of duties that would be best for your condition. Your employer should be happy to make any adaptations you need. When you’re ready to go back to work, things should be much easier for you.
Although it’s really tough to do under the circumstances, it is important to be as frugal as possible when your income takes a hit. You can find lots of helpful tips and ideas on where to make big savings almost immediately. The quicker you act, the better.
The most important thing you can do with your time off is to look after yourself. We all need a break at times. Sometimes, we’re forced into taking one. Use your time wisely and be money smart while you do it. Hopefully, you’ll be back on track in no time.
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