You’ve seen the headlines and recent videos – layoffs are here. With job cuts looming like a dark cloud, what can you do now, to be ready if you should get the dreaded call from HR like Brittany?

The first step is crafting a hit list of non-essentials to slash in case of pink slips. Say goodbye to those pricey streaming services—it's time to Netflix and Thrift instead. And remember, desperation is not a fashion statement; pre-plan your expense cuts to avoid impulsive decisions. After all, panic-induced purchases rarely end well—just ask anyone who's ever bought a novelty hat during a crisis.

Trying to navigate a financial crisis while stressed is like juggling flaming swords—dangerous and likely to end in tears.

The second rule of financial survival: beef up that emergency fund like it's a burly bodyguard for your bank account. Shoot for three to six months' worth of living expenses—because living paycheck to paycheck is so last season. And if you're not quite there yet, fear not! You're in good company with the majority of adults who couldn't buy a rubber duck with their savings. The key? Know thy spending. Unearth those hidden costs like a budget detective and redirect that cash flow into your emergency stash.

Who knew brown-bagging could be the hero of your financial story?

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