11 Things You Need to Do When You Get Laid Off

It shakes your confidence, hits your bank account, and floods your mind with questions: “What now?” “How long can I survive without a paycheck?” “Am I even hirable anymore?” 

These questions swirl around like a storm, creating a sense of uncertainty and anxiety that can be overwhelming. The sudden loss of a job can feel like a personal failure, leaving you questioning your skills, your worth, and your future prospects. The financial implications can be daunting as well; bills don’t stop coming just because your paycheck has.

You may find yourself grappling with the harsh reality of budgeting, cutting expenses, and the fear of depleting your savings. It’s a tough moment that can shake anyone to their core.

Being laid off is a life interruption, not a life sentence. This moment, though uncomfortable, can also become a turning point for financial clarity, career redirection, and mental resilience.

Instead of viewing this challenging experience solely as a setback, it can be reframed as an opportunity for growth and self-discovery. Many individuals have found that being laid off pushed them to explore new paths, develop new skills, and ultimately find more fulfilling careers than they had previously. This interruption can serve as a catalyst for change, prompting you to reassess your career goals, your values, and what you truly want from your professional life.

Here’s how to take control when everything feels out of your control. 11 Things You Need to Do When You Get Laid Off are steps that are your roadmap for bouncing back stronger with strategy, dignity, and your head held high. Each step is designed to empower you, providing actionable strategies and insights that can help you navigate this challenging time.

From assessing your financial situation and creating a budget to updating your resume and networking effectively, these steps will guide you through the process of reclaiming your career and rebuilding your confidence. Remember, while the journey may be difficult, it is also filled with potential for personal and professional growth. Embrace this opportunity to redefine your path and emerge even stronger than before.

1. Breathe First, Panic Later (Just Kidding—Don’t Panic At All)

The first few days following a layoff can feel like an emotional rollercoaster, a whirlwind of feelings that can be both overwhelming and disorienting. You might experience a complex mix of emotions such as anger, relief, confusion, and fear—all of which can fluctuate dramatically within a single hour. One moment you may feel a sense of liberation from a job that no longer served you, and the next, a wave of panic about your financial stability and future career prospects.

This emotional turbulence is entirely normal and a common reaction to such a significant life change. However, while these feelings are valid and deserve acknowledgment, it is essential to recognize that remaining entrenched in them for too long will not contribute positively to your overall well-being or future opportunities.

First and foremost, grant yourself 72 hours to fully experience your emotions. This is a crucial step in processing what has happened. Allow yourself the space to vent your frustrations, cry if you need to, catch up on sleep, or express your thoughts through journaling. Give yourself permission to experience the full range of emotions without judgment, as this can be a cathartic way to begin healing.

Once this initial period has passed, it’s time to pivot towards action. Start making small, forward-moving decisions that can help you regain a sense of control over your life. This could include updating your resume to reflect your most recent experiences and skills, reaching out to a friend for support or networking, or even taking the time to read informative articles that can guide you through your next steps. Each small action you take can help build momentum and foster a sense of progress.

In addition to taking proactive steps, it is vital to maintain your daily routines. Establishing a sense of normalcy can be incredibly beneficial during this uncertain time. Make it a point to wake up at a consistent time each day, shower, and nourish your body with balanced meals. Keeping your routines intact can provide a much-needed anchor amidst the chaos, helping you to feel more stable and grounded as you navigate this transition.

📌 Reminder- It’s important to remember that you didn’t lose your inherent value as a person; you simply lost a job. There’s a significant difference between the two. Your skills, experiences, and worth remain intact, and this moment can be a stepping stone to new opportunities and growth.

2. File for Unemployment Immediately

Many people delay this important step out of feelings of embarrassment or stigma associated with seeking unemployment benefits. However, it is crucial to understand that unemployment insurance is not merely a handout or a form of charity; it represents funds that you have contributed to through your hard-earned taxes during your employment. This system is designed to provide a safety net for individuals who find themselves unexpectedly out of work, and it serves as a vital resource to help you navigate through challenging financial times.

First and foremost, visit your state’s unemployment website to access the specific resources and information you need. A quick Google search using the phrase “[Your State] unemployment benefits” will direct you to the official site where you can find detailed instructions and eligibility requirements. Each state has its own rules and processes, so it’s important to familiarize yourself with the guidelines that apply to your situation.

Next, gather all necessary documentation that will support your application. This typically includes a government-issued ID, your most recent pay stub, and any relevant information regarding the reason for your separation from employment. Having these documents ready will streamline the application process and ensure that you provide all required information upfront, reducing the likelihood of delays.

It is highly advisable to apply for unemployment benefits in the same week that you are laid off. This proactive approach can help you avoid unnecessary payment delays and ensure that you begin receiving your benefits as soon as possible. The sooner you file your claim, the sooner you can access the financial assistance you need to support yourself and your family during this transitional period.

Once you have submitted your application, set a calendar reminder to certify your unemployment status on a weekly basis. Regular certification is often required to continue receiving benefits, and missing these deadlines could result in a lapse in your payments. By staying organized and keeping track of your certification schedule, you can maintain a steady flow of support while you search for new employment opportunities.

💡 Pro Tip- Some states offer additional resources beyond just unemployment benefits, such as resume assistance, job placement services, or training reimbursements to help you enhance your skills. Take full advantage of these offerings, as they can provide valuable support in your job search and help you transition back into the workforce more effectively.

3. Create a “Bare Bones” Budget

Before you embark on the journey of applying for jobs or exploring side hustles, it is crucial to gain a clear understanding of your financial runway. This concept refers to the amount of time you can sustain yourself financially without a steady income. Establishing a “bare bones” budget can be an invaluable tool in this process, as it allows you to eliminate unnecessary emotional spending and concentrate solely on the essentials, the fundamental expenses that are vital for your survival, such as ensuring you have a roof over your head and food to eat.

Creating this budget involves a thorough examination of your financial situation and a commitment to prioritizing your most critical needs. By identifying the minimum amount of money required to maintain your basic lifestyle, you can make informed decisions about your job search or entrepreneurial ventures without the added stress of financial uncertainty.

What to Do:

• Begin by carefully documenting your essential monthly expenses. This should include fixed costs such as rent or mortgage payments, utilities like electricity and water, groceries for your sustenance, transportation costs necessary for commuting, and insurance premiums that protect you from unforeseen circumstances. Understanding these costs is the first step in establishing a financial baseline.

• After identifying your essential expenses, take a critical look at your discretionary spending. Consider pausing or canceling services that are not vital to your day-to-day life, such as streaming services, various subscriptions, luxury grooming appointments, and frequent takeout meals. This will free up additional funds that can be redirected toward your essential needs or savings during your job search.

• Take advantage of our FREE The Digital Finance Journal , crafted to empower you to regain control over your finances, mindset, and goals. In times of financial stress, the last thing you need is another daunting budget spreadsheet. You require a simple system — one that restores peace, clarity, and confidence to your financial management. This tool helps you track your expenses, visualize your financial status, and adjust your budget as needed, enabling you to maintain your financial well-being.

📌 Tip- Revisit this budget every 2 weeks based on what money is coming in. It’s a living document, not a prison. Regularly reviewing and adjusting your budget is essential, as it allows you to accommodate changes in your income or expenses. This practice helps you stay flexible and responsive to your financial needs, ensuring that you are always aware of your financial position as you navigate the job market or pursue side hustles.

4. Call Your Creditors Before They Call You

Silence can exacerbate financial difficulties and lead to a downward spiral of stress and anxiety. When faced with financial challenges, it's crucial to take action rather than retreat into silence. Many creditors, including banks and financial institutions, understand that unexpected hardships can affect anyone, and as a result, they often offer temporary hardship programs designed to assist those in need. By being proactive and reaching out to your creditors, you can explore these options and potentially alleviate some of the pressure you are experiencing.

Begin by contacting your credit card companies, student loan servicers, and any other lenders you may have. It's important to approach them directly and explain your situation honestly. Many companies have dedicated teams to handle hardship requests, and they may be more understanding than you expect.

Inquire specifically about available options such as payment deferrals, which allow you to pause payments for a set period without penalties. Additionally, ask about interest waivers that could reduce the total amount you owe during your hardship period, or see if they can offer reduced minimum payments that fit better within your current budget. Each creditor may have different programs, so it’s worthwhile to ask detailed questions and understand the terms of any agreements.

As you navigate these conversations, it’s essential to keep a written log of who you spoke with, including their names, the date of the conversation, and what was agreed upon. This record will be invaluable if there are any discrepancies later or if you need to follow up on your requests. Having a clear account of your communications can also help you stay organized and focused as you work through your financial challenges.

📌 It's important to be cautious and avoid payday loans or high-interest debt consolidation offers. Although they may seem like a quick fix, they often come with exorbitant fees and interest rates that can lead to a cycle of debt that is difficult to escape. In the long run, these options can cost you significantly more than your original debt, making your financial situation even more precarious.

5. Secure Health Insurance Coverage

Don’t risk a medical emergency while uninsured. You have options that can help you secure the necessary coverage and ensure your health is protected. Being uninsured can lead to significant financial strain and health risks, particularly in the event of an unexpected medical situation. It is vital to explore all available avenues to obtain health insurance coverage, as there are various programs and resources designed to assist those in need.

What to Do:

• Check if COBRA is available through your former employer. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows individuals to continue their employer-sponsored health insurance for a limited time after leaving their job. While it can be relatively expensive due to the loss of employer contributions, it provides a crucial continuity of care and access to the same benefits you had while employed. This can be particularly important if you have ongoing medical needs or are currently undergoing treatment.

• Explore Healthcare.gov for ACA plans with income-based subsidies. The Affordable Care Act (ACA) has made it easier for individuals to find health insurance that fits their budget and financial needs. By visiting Healthcare.gov, you can compare various health plans that are available in your area. Depending on your income level, you may qualify for subsidies that significantly reduce your monthly premiums and out-of-pocket costs. This makes it more feasible to obtain comprehensive coverage that meets your healthcare needs.

• Look into short-term plans or local free clinics for emergencies. Short-term health insurance plans can provide temporary coverage during gaps in your health insurance. These plans typically offer limited benefits and may not cover pre-existing conditions, but they can be a viable option for short periods when you need immediate protection. Additionally, many communities have local free or low-cost clinics that offer essential health services, including urgent care, to uninsured individuals. Utilizing these resources can be a critical step in managing your health until you secure more permanent insurance solutions.

6. Update Your Resume and LinkedIn—Before You Think You’re Ready

Even if you need a moment to collect your thoughts and take a deep breath, it is essential to prioritize the organization and presentation of your professional assets. It is crucial to understand that employers are not necessarily seeking perfection in your resume or online profiles; rather, they are looking for signs of readiness and a proactive approach to your career development. This means that demonstrating your skills, experiences, and qualifications in a clear and compelling manner can significantly enhance your chances of being noticed in a competitive job market.

Utilize action verbs and measurable metrics to create impactful statements about your achievements. For example, saying “Increased customer retention by 23%” not only highlights your direct contribution to the company's success but also provides a quantifiable result that potential employers can appreciate. This is far more effective than a vague statement like “Responsible for customer service,” which lacks specificity and fails to convey the depth of your impact.

Incorporate any recent trainings, certifications, or newly acquired skills into your professional profiles and resumes. This shows potential employers that you are committed to continuous learning and professional development. Whether you have completed an online course, attended a workshop, or earned a certification relevant to your field, make sure to list these accomplishments prominently to demonstrate your dedication and adaptability in a rapidly changing job landscape.

Activate LinkedIn’s “Open to Work” feature to signal to recruiters that you are actively seeking new opportunities. This feature allows you to discreetly express your job-seeking status to employers, thereby increasing your visibility in the job market. When enabled, this setting can help you connect with recruiters who are looking for candidates with your specific skill set, making it easier for you to find roles that align with your career goals.

Reach out to former colleagues and supervisors to request 2–3 new recommendations. Personal endorsements from people who have worked closely with you can provide valuable insights into your work ethic, skills, and contributions. These recommendations can enhance your credibility and make your profile stand out to prospective employers. When asking for recommendations, consider providing context about the roles you are applying for, so your colleagues can tailor their endorsements to highlight the most relevant aspects of your experience.

7. Build a 60-Day Financial & Job Search Game Plan

Short-term plans are an effective strategy for reducing feelings of overwhelm and enhancing your ability to concentrate on immediate tasks. Instead of becoming bogged down by long-term goals that may feel daunting or unattainable, focusing on the next few weeks allows for a more manageable approach to achieving your objectives. Think weeks, not years. This perspective shift can lead to increased motivation and a clearer pathway to success.

What to Do:

• Week 1–2: Start by applying for unemployment benefits if you find yourself in a situation where your income has been disrupted. This can provide essential financial support during your transition. Next, take the time to conduct a thorough assessment of your finances. Understanding your current financial situation will help you make informed decisions moving forward. Additionally, update your resume and LinkedIn profile to reflect your most recent experiences and skills. A polished resume and an engaging LinkedIn presence are crucial for attracting potential employers.

• Week 3–4: During this phase, set a goal to send out at least 10 job applications each week. This consistent effort can significantly increase your chances of landing interviews. Furthermore, reconnect with former colleagues or professional contacts who may have insights into job openings or industry trends. Networking can be a powerful tool in your job search. Consider attending virtual networking events that align with your career interests. These events provide opportunities to meet new people, share experiences, and potentially discover job leads.

• Week 5–8: As you progress, take the time to identify any skill gaps that may hinder your job search or career advancement. Research the skills that are in demand in your desired field and consider enrolling in a free online course to bridge these gaps. Many platforms offer valuable resources that can enhance your knowledge and make you a more competitive candidate. Additionally, focus on preparing for interviews by practicing common questions and refining your personal pitch. Exploring freelance or part-time income opportunities can also be beneficial during this period, allowing you to gain experience while still searching for a full-time position.

📌 Create theme days to structure your week and maximize productivity. For instance, designate “Money Monday” for financial check-ins, where you can review your budget and expenses. Use “Networking Thursday” for outreach, dedicating time to connect with professionals in your field or follow up on previous conversations. This thematic approach can help you stay organized and ensure that you are making progress in various areas of your job search and professional development.

8. Start Networking Like It’s Your Job (Because It Is)

Roughly 70–85% of jobs are filled through connections not job boards. This statistic highlights a crucial aspect of the modern job market networking plays an indispensable role in securing employment opportunities. While job boards and online applications are often the first steps candidates take in their job search, they are frequently not the most effective methods for finding a job. The majority of positions are filled through referrals and personal connections, which underscores the importance of building and maintaining a robust professional network.

Make a comprehensive list of 25 people from your network. This should include a diverse array of individuals, such as coworkers, friends, mentors, former classmates, and even acquaintances from various spheres of your life. Consider not only those you interact with regularly but also those who might have valuable insights or connections within your desired industry.

Send personalized emails or messages to each person on your list. It’s essential to tailor your communication to each individual, expressing genuine interest in their work and mentioning any specific ways you believe they could assist you. A thoughtful message can go a long way in rekindling connections and making your request for help feel more meaningful and less transactional.

Attend 1–2 virtual industry events or local meetups per month. Engaging in these events allows you to expand your network further and meet new people who share similar professional interests. Whether it’s webinars, workshops, or networking events, actively participating can lead to valuable conversations and potential job leads that you might not find through traditional job searching methods.

Join online groups or Slack communities dedicated to your field or areas of interest for job leads. These platforms often serve as hubs for sharing job openings, industry insights, and networking opportunities. Being part of these communities not only keeps you informed about potential job openings but also allows you to connect with like-minded professionals who can offer support and advice.

📌 The key is consistent, low-pressure outreach. People can’t help if they don’t know you need it. It’s important to approach your networking efforts with a mindset of building relationships rather than merely seeking favors. Regularly updating your contacts about your job search journey, sharing your progress, and expressing gratitude for any help they provide can foster a sense of community and encourage them to keep you in mind for future opportunities.

9. Monetize What You Know, Not Just What You Did

While you navigate the often challenging landscape of job hunting, it is essential to leverage your existing skills and talents to generate income. This proactive approach not only helps alleviate financial pressure but also keeps you engaged and motivated during your search for a new position.

What to Do:

• Start by listing at least five things you excel at. This could include a diverse range of skills such as writing compelling content, graphic design, tutoring in various subjects, organizing events or projects, providing expert consulting services, and more. Take time to reflect on your experiences and identify what you are passionate about, as well as what you do well. This self-assessment will serve as a foundation for your freelance endeavors.

• Once you have your list, consider offering your services on popular freelance platforms like Fiverr, Upwork, or TaskRabbit. These platforms connect freelancers with clients looking for specific skills, allowing you to showcase your expertise and attract potential customers. Create a compelling profile that highlights your skills, experience, and any relevant samples of your work. Be sure to set competitive rates that reflect your abilities while also being attractive to potential clients.

• In addition to freelancing, think about expanding your offerings by considering coaching, conducting workshops, or selling templates and resources online. For example, if you are knowledgeable in a particular field, you could create and sell online courses or host webinars to share your expertise with others. Alternatively, if you have a knack for creating organizational tools or templates, you could sell these digital products on platforms like Etsy or your own website. This not only provides an additional source of income but also allows you to build a portfolio of work that may be beneficial in your job search.

  
  

Engaging in these activities while job hunting is not merely about “starting a business” overnight; rather, it is about bridging the gap between your current situation and your future career aspirations. By taking these steps, you can build confidence in your abilities, gain valuable experience, and possibly uncover new opportunities that could lead to something larger and more fulfilling in your professional life. Embrace this time as a chance to grow, learn, and explore different avenues that may align with your long-term goals.

10. Upgrade Your Skills Without Breaking the Bank

Upskilling can significantly enhance your marketability and your mindset, making you not only a more attractive candidate in the job market but also fostering a growth-oriented attitude that is essential in today’s fast-paced work environment. By investing in your personal and professional development, you open doors to new opportunities and increase your potential for career advancement.

Take advantage of resources such as Coursera, LinkedIn Learning, Google Certifications, and edX. These platforms offer a plethora of courses across various fields, enabling you to learn at your own pace and often at little to no cost. By engaging with these educational tools, you can gain access to high-quality content created by industry experts and prestigious institutions.

Conduct thorough research on job descriptions for positions you aspire to. Identify the key skills that employers frequently mention, such as data analysis, software proficiency, effective communication, and project management capabilities. By honing in on these in-demand skills, you position yourself as a desirable candidate who meets the specific needs of potential employers.

Add every new certification to your resume and LinkedIn as soon as you complete it. Keeping your resume and LinkedIn profile up to date is crucial. Each certification you earn not only enhances your qualifications but also showcases your commitment to continuous learning. By promptly updating your profiles, you ensure that recruiters and hiring managers can easily see your latest achievements and the breadth of your skill set.

📌 Skill stacking—combining two complementary strengths can make you a uniquely valuable hire. This strategy involves blending different skills that, when combined, increase your value in the workforce. For instance, pairing technical skills in data analysis with strong communication abilities can set you apart in roles that require both analytical insight and the capacity to convey complex information clearly. By thoughtfully curating your skill set, you can create a distinctive profile that not only meets job requirements but also exceeds expectations, making you a standout candidate in any hiring process.

11. Take Your Mental Health Seriously (This is a Life Change)

You’re navigating grief, identity shifts, financial stress, and uncertainty; don’t minimize that. Each of these challenges can feel overwhelming, and it's essential to recognize the weight they carry in your life. Grief can manifest not only from the loss of loved ones but also from the loss of familiar routines, jobs, or identities that once defined you. Identity shifts may leave you feeling adrift, questioning who you are and where you fit in the world.

Financial stress can exacerbate these feelings, creating a cycle of anxiety that can be difficult to break. Uncertainty about the future can loom large, casting a shadow over your daily life and making it difficult to focus on the present. Acknowledging these feelings is the first step toward healing and growth.

Stick to a consistent sleep/wake schedule. Establishing a regular routine can help regulate your body's internal clock, making it easier to fall asleep and wake up. Aim for 7-9 hours of quality sleep each night, as this is crucial for mental and physical health. Try to go to bed and wake up at the same time every day, even on weekends, to maintain this rhythm.

Make daily walks, stretching, or workouts. Engaging in physical activity releases endorphins, which can help alleviate feelings of sadness and stress. Whether it’s a brisk walk in your neighborhood, a short yoga session at home, or a more intense workout, find what feels good for you and make it a regular part of your day. Even small amounts of movement can boost your mood and energy levels.

Use free resources like meditation apps (Insight Timer, Calm, etc.). These tools can provide guided meditations, breathing exercises, and mindfulness practices that can help you center your thoughts and manage anxiety. Taking just a few minutes each day to engage with these resources can create a significant impact on your mental well-being, helping you to find moments of peace amidst the chaos.

Journal what’s going well, not just what’s wrong. Focusing on positive experiences and achievements, no matter how small, can shift your perspective and foster gratitude. Consider keeping a gratitude journal where you write down three things each day that went well or that you are thankful for. This practice can help you cultivate a more positive mindset and combat negative thought patterns.

Talk to a therapist, coach, or support group. Many offer sliding-scale or free services. Reaching out for support can be a vital step in navigating your feelings and challenges. Professional therapists can provide guidance and coping strategies tailored to your needs, while support groups can offer a sense of community and shared understanding. Don’t hesitate to explore these options, as they can provide you with valuable tools to help you through tough times.

📌 Mental resilience is your #1 asset in a job search. Protect it like it pays you because it will. Building mental resilience allows you to bounce back from setbacks and maintain motivation during challenging times. When faced with rejection or uncertainty in your job search, having a resilient mindset can help you stay focused on your goals and continue to put yourself out there. Prioritizing your mental health and well-being will not only benefit you personally but will also enhance your professional prospects as you approach new opportunities with confidence and clarity.

Final Words

You may not have chosen this transition, but you do get to choose how you respond to it.

This isn’t about rushing into the next job out of panic. It’s about slowing down just enough to strategize, prioritize, and rebuild with intention.

You are not broken. You are not behind. You are in the middle of a reset, one that has the potential to set you up for more freedom, fulfillment, and control over your future than ever before.

So take a breath. Take a step. Then another.

You’ve got this.

🧡