No can predict what’s going to happen from one day to the next. Today, you could be sitting at your desk happier than anything that your career is taking off. Tomorrow? Well, tomorrow you could find yourself without a job and no clue what to do next. It’s an uncertain time economically, and you can’t tell what’s going to happen. What you can do, instead, is to make sure that you are prepared for whatever could happen.

Your finances take the biggest hit when life throws you that unexpected curveball, and you can be left significantly vulnerable to financial hardship if you lose control of your income. Asking for help isn’t easy, unless – of course – you’re asking for help from an unemployment lawyer because losing your job was unfair. This is the easiest time to ask for help because you already know you’ve been wronged. Ideally, you’d have money put to one side to cover you in times of financial uncertainty, but in the meantime, here are some of the tips you could use to keep your finances under control when life isn’t as predictable as you’d have hoped:

Know You Need Help. It’s important that you know where you need help. If you can see it coming, you’re more able to manage the situation. Don’t ignore it if you can see you’re about to lose your job or you’re going to have an issue with an appliance at home that will need replacing. Recognize you may need help and ask for it early enough.

Speak To Your Bank. If you are finding that you are in financial hardship, speaking to your bank about their policies on financial hardship can be a really big help. They can work with you to ensure that you can keep making payments on your overdraft or borrowing without putting yourself in a position of difficulty.

Speak To Creditors. When you lose your job, you go into survival mode while you scramble to find another one. This includes speaking to creditors about lowering your repayments while you prioritize your rent and your utilities. You’d be surprised how many people would be willing to allow you to lower your repayments right down – anything is better than nothing, and communication is key!

Use Your Savings. While you’re looking for new work, you may need to dip into those savings. Sure, those were for your deposit on a new house, but that doesn’t mean that you can’t use them while you look for something new. The whole idea of having an emergency fund is to be able to rely on it when things get tough. Using your savings could keep your head above water while the situation resolves.

Never be afraid to ask for help when your finances are affected by the loss of a job. You can’t do everything on your own, and you shouldn’t try to, either. There are always going to be periods in your life where finances are a little strained; preparing early can make a huge difference.

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