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Plan and Prioritize

It's hard to be fully prepared for a job loss, but if you find yourself in this situation, there's a lot you can do to respond. Spend time taking stock of where you are. Review your budget, savings and debt as you revise your short-term plans for moving forward.

Stick to a Budget

In financial uncertainty, you can regain some control by quickly prioritizing your expenses. Decide what’s non-essential and cut back or eliminate expenses in the short term. Notify creditors of your situation if you need to make special payment arrangements.

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Emergency Savings

Even when fully employed, try not to dip into your emergency reserves to fund vacations, large purchases or tuition. If you do tap your emergency fund, make sure that you replenish it as soon as you can so you’ll have a safety net.

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Manage Your Debt

Even if you’re experiencing financial difficulty, it’s important to maintain good credit payment habits. Consider reducing payments to the minimum due, but don’t stop making payments. You may incur late fees or finance charge penalties.

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This information is provided for educational and general marketing purposes only and should not be construed as a recommendation or suggestion as to the advisability of acquiring, holding or disposing of a particular investment, nor should it be construed as a suggestion or indication that the particular investment or investment course of action described herein is appropriate for any specific retirement investor. In providing this communication, Regions is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity.

Banking products and services are provided by Regions Bank. 

Regions Investment Solutions is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services nor Cetera Investment Advisers is an affiliate of Regions Bank or its related companies. Check the background of investment professionals on FINRA’s BrokerCheck.

*Investment, Annuities and Insurance Products

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value
  • Are Not Deposits
  • Are Not Insured by Any Federal Government Agency
  • Are Not a Condition of Any Banking Activity