If Your Unemployment Benefits Have Recently Ended, Here Are Seven Things You Should Do.

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Note from the editors: This story first appeared on The Penny Hoarder.

For millions of people who have been out of work due to the coronavirus pandemic, Labor Day weekend was a watershed moment.

For about 7 years, unemployment benefits were terminated.After President Joe Biden’s administration declined to ask Congress to extend federal benefits once more, 5 million people were affected.

Another 3 million people lost a $300 weekly federal boost to state unemployment benefits, despite the fact that governors in 26 states had already pulled out of the program early.

Over the last year and a half, increased unemployment compensation has been a lifeline for millions of workers.If your unemployment benefits have recently been terminated or reduced, don’t wait to take action.Here are a few things you should do right away.

Look for a job in a fast-growing industry.

Interviewer

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Consider a bridge job if you’re still looking for work.Basically, any job that pays the bills, even if it isn’t ideal, counts.Because many businesses are having difficulty recruiting employees at the moment, you may be able to negotiate better wages than you could in pre-pandemic days in fields that aren’t known for paying well.

Some places to check out

  • Data entry clerks are needed in a variety of industries, and some of them have positions that can be done entirely from home.The average hourly wage is between ten and fifteen dollars.If you have good typing skills, another option is to work as a transcriptionist.
  • Online tutoring If you have a special skill or a college diploma, an online tutoring job can help you supplement your income.The average hourly wage is between $10 and $27.
  • Employers in the food service, retail, and hospitality industries are holding job fairs across the country, with many hiring on the spot and paying higher wages than in the past.These 160000 restaurant jobs, for example, pay more than ten dollars an hour.

Check out The Penny Hoarders’ work-from-home jobs portal, which features remote entry-level listings on a regular basis.

Start a Side Business

Uber driver using app.

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Your goal is to find any way you can to start earning money before your benefits run out.There are a slew of simple side hustles you can start right now with little investment to start earning extra money.Some suggestions are as follows:

  • Work as an Uber or Lyft driver.In some markets, ride-sharing companies Uber and Lyft can pay drivers up to $25 per hour due to a driver shortage.
  • You can do odd jobs with TaskRabbit.Connect with people in your neighborhood who need help with tasks like furniture assembly, cleaning, or painting using the app.
  • Apps like Instacart and Shipt can deliver groceries.
  • babysitting servicesGigs are available on sites such as Care.com.SitterCity is a sitter-friendly city.SitterCity.com and SitterCity.comcom
  • People will require services such as pet care and house-sitting as they resume traveling, which were not in high demand last year.
  • It is necessary to sell the items.It isn’t exactly a side hustle, but if you have good-condition items that you aren’t using, selling them could bring in some extra cash.For example, here are 14 places to sell used clothing online or in person.You can also sell your gift cards online to make money.

Try looking for rental assistance.

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While the federal eviction moratorium imposed in the wake of the pandemic ended in August,26 There is still assistance available.

Congress has set aside nearly $47 billion to assist stranded renters, but obtaining a share of that money is a maze of red tape.According to Vox, over 340 agencies administer the aid, each with their own set of rules.

Check out this state-by-state guide to rental assistance programs to learn more about what’s available in your area.The Consumer Financial Protection Bureau’s rental assistance page is another useful resource.You may also be eligible for assistance with utility and energy costs.

The United Way’s 211 help line may also be able to assist you in navigating local assistance programs.Simply dial 211 on your phone to be connected with someone who is knowledgeable about local resources.Because of the time-consuming nature of the process, it is critical that you take this step as soon as possible.

Apply for Food Assistance

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Food pantries in your area can also be found by calling the 211 help line.Visit Benefits for more information.To see if you’re eligible for SNAP benefits, go to www.snap.gov.

Benefits can take up to 30 days to arrive through the regular application process, but depending on your state, you may be eligible for expedited benefits.

Make an appointment with your local unemployment office.

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You may still be eligible for unemployment benefits in your state, but the rules vary by state.The majority of states have a time limit on how long you can get benefits.

Even though dealing with your state’s unemployment office can be difficult, it’s critical that you contact them right away to see if you qualify for state assistance.You may need to submit a new application or request an extension in some cases.

Solicit forbearance from your creditors.

A woman with a smartphone and credit card is taken by surprise

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Though forbearance programs aren’t as widely advertised as they were a year ago, check with your lenders to see if skipping or deferring payments is an option.It’s always best to do this before you’ve missed a payment.

Make certain to inquire about how they will report your payment history to the credit bureaus.Your credit score will suffer if they report your payments as delinquent.

Take advantage of the automatic forbearance that is in effect until at least January if you have federal student loans.31st of December 2022You have the right to request a refund for any payments made since March 2021.

Don’t pay off debt if it puts your health or your home in jeopardy.

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Housing, utilities, food, health care, and minimum debt payments are all included in a bare-bones budget.In a true emergency, however, you may be forced to make even deeper cuts.

Make an effort to work with your lenders.Prior to making payments on credit cards or loans, focus on paying rent and utilities, keeping food on the table, and getting the medications you require.

Yes, if you miss payments without your lender’s permission, your credit score will suffer.However, bad credit can be overcome.Your credit score is important, but your health and housing are far more important.

The information you’ll find on this site is always objective.However, we may be compensated if you click on links within our stories.

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