WHAT TO DO IF MONEY GETS TIGHT – REWORK YOUR BUDGET

You can’t afford to spend as much as you did when you were employed. Your primary source of income no longer exists. Write down your expenses and differentiate between what you must spend money on as opposed to where you want to spend money. Contact your internet, cable and phone providers to see if you can obtain a discounted rate. Contact your insurance company to see if there are ways to reduce your home or auto insurance rates. If you live alone, consider a roommate. Eliminating unnecessary expenses will give you some extra breathing room while you are conducting your job search. Once you’ve identified expenses you can eliminate, rework your budget. Review any emergency fund money or savings you have and figure out how long it will last.

TRACK AND PRIORITIZE ALL SPENDING Write down everything you spend in a month. Then list your bills in order of priority. Paying your mortgage or rent and your utility bills should be on the top of your list. Trim your grocery bill by shopping at discount stores, use coupons and buy generic items.

CONTACT CREDITORS Your creditors can become your ally especially if you have a track record of paying your bills on time.

  • Call your credit card companies and ask for a lower rate or transfer your balances to obtain a lower interest rate.
  • Check to see if you’re paying for credit insurance that would make payments for you for a specific timeframe.
  • Institutions who have granted you loans will often defer payments for a period of time and add them on to the end of your loan if you have a track record of prompt payments.

GUARD YOUR ASSETS If at all possible, refrain from the temptation of tapping in to your retirement funds. This could result is large financial penalties. Use your home equity with caution. You home equity is protected in bankruptcy court, so you want to guard your home at all costs. A bad credit rating is a burden you would have to bear for a time, but losing your home could be a far worse scenario. Conduct research to see if it is possible to refinance your mortgage.

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Duke Witte absolutely was amazing! 

I am writing to express my sincere gratitude to Duke Witte for his assistance in finding me a new job in the hospitality industry. I was disgruntled with my previous job, and I was feeling very discouraged about my prospects. I had been working in the restaurant industry for many years, and I had a lot of experience and skills, but I was having a hard time finding a better opportunity.

I was contacted via LinkedIn by Duke, and thank goodness I was.  Mr. Witte was incredibly helpful and supportive throughout the entire process. He took the time to understand my skills and experience, and worked tirelessly to find me a job that was a good fit.

Duke was also very honest and upfront with me about the job market. He didn't sugarcoat things, but also didn't give up on me. He kept me motivated and encouraged, and never gave up on finding me a job that I would love.

I am so grateful to Duke Witte and his team for their help. I am now happily employed, and I am so happy that I was able to find a job that I love. I would highly recommend him to anyone who is looking for a job in the restaurant industry. He is a true professional, and is dedicated to helping his clients find the perfect job!

Thank you again for everything!

Nick Grubbs

Working with Chris Bovio made job searching so much easier! 

Not only was he available and involved in my search, but also knowledgeable regarding the position. Chris used his industry experience and recruiting network to find the best position for me and my skill set. My only regret is that my new job is so perfect for me that I won’t need to use Chris or Patrice & Associates later.

Thanks,

Nick Guarino

Michael Greig was absolutely fantastic in every way! 

He gave me options and suggestions & eventually found a great for me. Communication was easy and he went above & beyond. Also, he seems like an all around good dude. Thanks again Michael. Solid work out there. You’re hired :)

Nic Callahan

Bryan Curtis was fantastic to work with!

Bryan was very on top of things throughout my recruiting process to the engineering firm I accepted my position with.  I responded to his LinkedIn posting and heard back from him within 24 hours. He continually spoke with me throughout the process checking in regularly and answering all my questions. Bryan was instrumental in helping me find a great job.

Thanks!

Austin

Frank Rondeau was a really big help! 

When it came to helping me find my new job, he knocked it out of the park!  He was very honest and thorough throughout the entire process. We had multiple conversations along the way and he always checked in after interviews. Frank was amazing to work with, and I'm super excited to start my new journey thanks to him.       

Many Thanks,

Chyanne

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