Did you just lose your job or are you facing a hardship that has left you feeling overwhelmed by bills and debt? You’re not alone! Take a breath and tune into this podcast episode because we’re covering exactly what you need to do to navigate this difficult season. In this episode of the Thank Me Later Show with Jini, we’re covering crucial steps to take if you’re facing sudden unemployment or a major drop in income. We discuss what to say to creditors when your income drops, how to negotiate lower payments, how to prioritize your essential expenses to help minimize financial stress, and more.Losing a job or experiencing financial hardships is tough, but with the right plan, you can regain control and stay afloat. If you tune into this episode of the podcast, I promise that you will #thankmelater! #thankmelatershow #thankmelatermoney #jinithornton #moneycoach #financialexpert #jobloss #unemployment #economicuncertainty STAY CONNECTED:Connect with Thank Me Later:https://thankmelatermoney.com https://www.instagram.com/tmlmoney https://www.tiktok.com/@tmlmoney https://blackwomenwill.com/ Connect with Jini:https://jinithornton.com/https://www.instagram.com/jinithornton https://www.tiktok.com/@jinithornton https://www.linkedin.com/in/jinithornton/ ______RESOURCES: Thank Me Later Resources:TML Community: https://www.thankmelatermoney.com ______TIMESTAMPS:1:48 - Why you need to start with a family meeting 2:50 - What to say to creditors if you experience job loss or decrease of income4:12 - Inquire about hardship programs4:50 - How to negotiate lower payments 6:04 - How to prioritize your essential expenses 7:01 - How to get help from your utility company 8:55 - Getting government assistance 9:33 - Why you need to communicate regularly with your creditors

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