I feel like many of us are now functioning in crisis mode. Due to the rapid spread of the novel Coronavirus, life as usual is no longer the norm. Many businesses and families have felt the sting of job loss, pay cuts, or lack of resources. Yeah, we all know we should prepare for emergencies, but what if you don’t have an emergency fund to rely on?
I’m seeing a lot of “told ya so” on social media regarding preparedness and finances. I’m not here today to shame anyone for not being prepared. If that’s you, you are probably already scared. You probably already know you should have an emergency savings, and telling people to do something they can’t isn’t helpful. Today, I want to talk about how to cope with these changes when you don’t have an emergency fund. What can you do if you didn’t, or couldn’t prepare?
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You Don't Have An Emergency Fund, But You Should Have A Budget
This is the number one most vital step in surviving a crisis when you don’t have an emergency fund. Set a budget. Like right now.
Basically, here’s what you need to do.
- Go through a typical month’s spending and income if possible, and figure out what you’re spending. If you can go back through three month’s expenses, all the better. Averages over longer chunks of time will give you a more realistic viewpoint on your spending.
- Write down all your spending categories and how much you will need for each category. In my monthly budget reports, you can see that I break my spending up into four categories.
- Vital spending – these are the basic living expenses; housing, utilities, car, groceries, daycare
- Debt payments – any money I put toward debt or pay as a result of debt
- Recurring monthly expenses – these are things I pay for monthly, but could pare down on if circumstances required. This includes things like phone, internet, gym memberships, subscriptions, etc.
- Variable spending – any category that changes from month to month. Also, the places you’re most likely to cut out in a crisis.
- Compare your spending to your income. If the spending number is higher, or if you don’t like how close together they are, start thinking about what you can change.
- Look at your situation. Are you still gainfully employed? Were you recently laid off? Could you be laid of soon?Do you have any money set aside? You need to take that comparison and balance your budget the best you can. If you’re spending more than you earn, try to find ways to cut back. If your employment situation is unstable, it’s time to go scorched earth and cut out every non-essential that you can find.
Now, what if the numbers don’t add up, or if you don’t have enough to get you through a crisis?
Once you know how much money you have and how much money you need, you can start to create a survival plan.
Cut Back On Spending Wherever Possible
If you’re afraid about your financial ability to survive a crisis when you don’t have an emergency fund, it’s time to get a little bit more uncomfortable with your lifestyle.
Now, I get it. If you couldn’t prepare for the crisis at hand, life is probably already pretty uncomfortable. Maybe you’ve been living in survival mode for a while. If so, you’re probably only making small changes.
However, if you’ve lived in relative comfort up to this point, you need to prepare to make some sacrifices. What can you get rid of?
Remember, this is not forever! It’s just for a little bit. You don’t have to change your whole life for as long as you live. Just long enough to live through your current circumstances.
Some Places To Look For Savings
- Adjust the thermostat and save money on power
- Shorten showers
- Cut back on watering grass or plants
- Limit dining and takeout (yeah, I know, a lot of us are already doing that!)
- Cut down grocery spending to the essentials
- Start cooking all meals at home
- Bike or walk to work if possible to save on fuel
- Cut insurance plans down to lower coverage
- Get rid of leisure spending
- Stop contributing to retirement savings for a little bit
- Use coupons and shop sales
- Switch to cheaper phone, internet, or streaming plans
- Call memberships and subscriptions and ask them to freeze your account for a few months
- Sell a car with a hefty payment and switch to a junker
- Learn to DIY your cleaning and personal care products
- Eliminate the expense of replenishing supplies by switching to reusable items
- Shop for essentials at thrift stores, consignment shops, or buy used online
- Try a No Spend Month to save some cash
- Start relying on the gift cards you probably already have at home
Scale Way Back On Debt Repayment When You Don't Have An Emergency Fund
If you’ve lost your job, taken a pay cut, your position is not secure, or you’re just plain nervous, it’s time to switch from debt payoff mode to crisis mode.
If you’re struggling to survive, and you don’t have an emergency fund, don’t make your debt the first thing you pay. Meet your basic needs first, and pay your debt with what’s left.
If you’ve been paying extra, go back to making minimum payments until things are more secure. While it’s great to pay down debt, if your income has become compromised, you need the cash on hand.
Seek Out Help For Your Expenses
Many people have been laid off or had hours severely reduced. If that’s you, don’t wait to file for unemployment, SNAP, food stamps, WIC … whatever social programs are available to you. Especially if you don’t have an emergency fund, time is of the essence.
I don’t care what anybody says. There is no shame in seeking help when the worst happens, especially if you don’t have that emergency fund built up to fall back on.
If you lose your job or have your hours drastically reduced, the first thing you should do is apply for unemployment and any other programs you might need.
Even if you didn’t qualify before, the rules are changing quickly, and you might be able to get help now. This applies to freelancers as well. Act fast, though. The rate of application has spiked, and things are taking longer than they used to.
Help With Credit Cards Payments
If you have good credit and an empty card with a balance transfer offer, a balance transfer can save you the cost of accruing interest and lower your total payment.
If you are experiencing a financial hardship, contact your card provider directly and ask them how they can help. Ask about lowering or eliminating fees, lowering interest rates, deferring payments, credit limit increases, waiving late charges, and what other financial hardship programs are available to you at this time.
Help With Student Loan Payments
Consider deferring your loans due to financial hardship. You’ll still accrue interest, but might be able to shrink or eliminate your payment for a short time.
If your situation is short term and your loans are federal, contact your loan provider and ask them about an administrative forbearance for illness or job loss due to Coronavirus. You might be able to suspend those payments without penalty for 60 days or more.
New legislation may allow you to defer your student loan payments and interest without penalty until late September. This is not automatic, however, and you must contact your loan provider to request this assistance.
Help With Housing Costs
Your mortgage loan provider might also be able to offer help during this difficult time.
Because each loan provider is a little different contact your provider and ask for information regarding hardship assistance, temporary payment forbearance or reduction, lowering or eliminating fees, and whether they currently have a temporary foreclosure ban in place due to COVID related hardship.
If your loan is backed by Fannie Mae, Freddie Mac, HUD, or FHA, these providers have been directed to suspend evictions and foreclosures for at least 60 days beginning on March 18, 2020. Use the links below to see if your loan is backed by Fannie Mae or Freddie Mac. If it’s not, contact your lender! Things are changing daily. So, if they’re not suspending eviction and foreclosure now, they might be soon.
Additionally, several states have their own regulations in place right now. This article has a list of states and programs currently in place if you scroll down a little bit.
Renters have things a little bit harder. There isn’t currently a federal program in place to protect you, just a strong suggestion. While many municipalities have issued a freeze order on eviction, not all have. If you’re in one of the cities that hasn’t, you’ll have to work directly with your landlord. Here are some suggestions if you don’t have an emergency fund to pay the rent.
- Let your landlord know your situation.
- Offer to make partial payments or tack on this month’s rent to an upcoming month.
- Check out this resource or do a Google search on your state and renter’s assistance to find info about programs designed to protect you.
- Check your lease agreement for a hardship clause or other clauses that might protect you right now.
Help From Your Community
Many programs are overwhelmed and community outreach centers are closing doors temporarily. However, it’s worth looking into. Search for Coronavirus related support in your town.
If you’re a member of a church, reach out to them and ask if they are offering assistance to those who have been negatively affected.
Come together with your neighbors (at a safe distance of course) and help each other by sharing resources as needed.
Help From Family
I know this isn’t a possibility for everyone. However, if you have family you can fall back on, this may be the time to consider it.
Can your move in with family again until the situation improves?
Is it possible to ask for help with groceries or bills to get you through the month until you can take the next step?
If you have family members that have also found hard times, maybe you can support each other by pooling resources to meet everyone’s needs.
Prioritize How You Spend Your Money
If money is tight, you need to start making choices about how you use the money you have. If the situation is truly desperate, focus on these. Food, shelter, power, clothing, anything you will need to do your job or find a new one. Everything beyond that can probably wait.
First, keep your family fed as best you can, even if that means scaling back to basics. Switch to cheaper brands if they’re available. Just get something on the table if food is scarce. Don’t worry too much about balanced nutrition if you’re struggling to buy food. I don’t advocate living like that forever, but when times are desperate, it’s enough just to make sure you have something to eat.
Next, Keep a roof over your head however you are able. Maybe that means prioritizing the rent or mortgage payment over other spending. You might also need to find cheaper arrangements. If things are really tough, can you take on a roommate or move in with a family member until things go back to normal?
Then, look at your utilities. Keep them on if possible, but use them as sparingly as you can. Set the thermostat higher or lower depending on the temperature outside. Then, turn it off when you’re out. Water less, and take shorter showers. Turn the temp down on the water heater. Whatever you need to do to save a few bucks.
You should also make sure that you are prioritizing the way you earn your living. If you drive to work, put gas in the car. Freelance online? Pay the internet bill. Pay for the things you will need in order to stay, or become employed.
Finally, most of us have far too much clothing, so the odds are, you don’t have to worry about this category too much. However, if clothing wears out, if the kids grow out of their winter coats, etc., make sure everyone is adequately clothed.
Earn More Money To Cover Expesnes
If you’re struggling to cover daily expenses or you’ve lost your income altogether, it’s time to find cash elsewhere. The internet is great because you have a ton of ways to make money at your disposal. What skills do you have? Odds are, there’s a freelance opportunity for that. Here are some ideas you might consider to make some extra income.
Sell Stuff You Don't Need
While selling unwanted items might not be the most prolific right now, it is easy to set up and forget. Go through the house and look for things you don’t need. I’ve made extra cash selling old furniture, clothes, DVDS and cds, diapers (cloth and disposable), toys, books, decorations … all kinds of stuff. Not sure where to start? Here are a few places to look.
Sell Your Skills To Cushion Your Bank Account
If you need a little bit more than selling your junk can provide, consider making some extra money selling your skill set. Think about what you can do. There’s probably a market out there for it. Check out these resources, and see how you could earn some extra cash.
- Fiverr – You can offer just about any skill on Fiverr that someone might want. Sell your skills for as little as $5 for a quick job all the way up to $10,000 for major jobs as you establish yourself as a brand.
- Upwork – Another skill and service site like the one mentioned above where you offer up a job and people who need that service bid for it.
- Freelancer – Connects you with others looking for jobs to be completed, and works on a bid system.
- ProBlogger Job Board – Find online writing jobs in a variety of categories.
- Craigslist – Pitch your services for anything from dog walking to lawn mowing to coaching services.
- Start writing online – Here’s a resource filled with ideas that pay well.
Try To Pick Up Another Job
Now, you’re probably not going to find something that replaces lost income, but there are still a few opportunities out there even amid all the cut hours and job losses. No, they don’t pay super well, and no, you might not be able to get health insurance. However, it might be enough to keep you afloat.
A few major companies such as Amazon, Walmart, Kroger, Aldi, Domino’s, Imperfect Foods, and Pizza Hut have stated that they’re currently hiring.
Since many dine in restaurants have also closed and grocery stores are overrun, delivery services such as UberEats, DoorDash, PostMates, Instacart, Shipt Shopper, GrubHub, and Deliv may be looking for more drivers to deliver take out, groceries, and other items. During a time when many cities and towns have placed bans on large gatherings and sit down meals, this could be an option that keeps your family going until things improve.
You might also consider offering up needed services for neighbors like dog walking, lawn care, house or pet sitting, or babysitting if you feel comfortable doing so.
Make A Few Bucks In Your Spare Time
I don’t have all the answers for online get rich quick schemes. If you do, I’d love to know more!
I do know, though, that you can earn a few extra dollars to help when times are tough through apps and websites. If you’ve got a little bit of spare time, these options can help put a few dollars in your pocket. They will not make you rich by any means! However, when money is tight, every dollar feels like a blessing.
- Swagbucks – I once replaced most of the appliances in my kitchen over a year using Swagbucks gift cards. If you’ve got the time, this can be an easy way to make a few dollars.
- InstaGC – I’m currently enjoying this site for making extra cash. Now that I’m stuck at home all day, I’ve made $30 this month already just from streaming videos and trying a few survey offers when I wake up and before I go to bed. As an added bonus, once you cash in $50 in gift cards (yep, they’ve got Amazon), Paypal opens up as a payout option.
- Survey Junkie – I’ll be honest, I haven’t had as much luck with this one, but I’m not going to turn my nose up to free money. Even though I have yet to qualify for a single survey, I earn a few cents for every attempt. I hammer through offers for 10 minutes and earn about 30 cents.
Get Cash Back On Your Regular Shopping
We just have to buy some things. We still have to eat, and everyday items wear out. These are a few resources that offer cash back on purchases which you can then redeem for cash.
These resources won’t make you rich either, but when times are tough, every dollar helps. Some of these apps and sites pay with a purchase, while some also have free ways to earn.
- Ibotta – One of my personal favorites. Redeem cash back on a variety of purchases at grocery stores, one stop shopping stores, pet stores, restaurants, travel, online shopping, and delivery. (Click the link. Then try it out using my referral code! a6dauq)
- Reciept Hog – This app allows you to redeem cash back when you scan receipts for groceries, clothing, gas, beauty products, liquor, pet supplies, toys, and more. Redeem points via Amazon, Visa gift card, or Paypal.
- Checkout 51 – Another app that lets you redeem cash back for grocery purchases. This one is a little slower to cash out for me, but if you have a habit of buying name brand, pre-packaged items, money might add up faster for you.
- Rakuten – Used to be Ebates. Redeem cash back on your online shopping.
- Inbox Dollars – This site gives you a ton of different ways to earn cash. You can take surveys, shop online, watch videos, print coupons, complete offers, play games, and complete searches. Cash out starts at $30 via Paypal or check.
Know Your Rights During This Time
Sadly, we live in a world where people take advantage of difficult situations. Make sure you know how to protect yourself. Since every state works just a little differently, a quick search of ” my rights in (state) during Coronavirus” should get you started.
Beyond that, search to see if your city or state has passed an eviction moratorium, effectively suspending your landlords ability to evict you.
Research who backs your home loan and know whether you have the option to defer payment. Know that you should not need to pay a third party a cent to help you
Be aware of changing laws and ordinances in your community. Right now, they are quite literally changing daily.
Consider Alternatives As A Last Resort
I’ll be honest, I’m not a huge fan of the following suggestions because they have a habit of turning on you. But since we’re talking about how to cope with emergencies when you don’t have an emergency fund, these are ways to get some cash on hand to help in a crisis.
I will encourage you to only consider these options as a last resort, though. The list below gets riskier as you move down.
Use Credit Cards
- Pros – Credit cards are typically easy to access. If you have good credit, you can easily (for now anyway) find low or no interest promotional deals. Your monthly payment will only be a fraction of the total you put on the card. Many credit card companies are also offering assistance during the outbreak if you call and ask. Using credit cards to get by for a short period of time is relatively low risk if you expect your situation to improve within a few months.
- Cons – You will be accruing debt that you’ll have to pay off. Also, you will have to come up with some money every month. Depending on your current situation, you might not be able to get a credit line big enough to keep you floating for a few months. Additionally, the interest rates on credit cards can be ridiculous.
Borrow From Friends Or Family
- Pros – When borrowing from relatives, you’re not aligning yourself with a creditor. You might be able to borrow cash to survive with low or no interest, and you can negotiate a manageable payment plan with someone who knows you.
- Cons – Borrowing from loved ones doesn’t always work out. You need to be careful to choose someone who won’t take advantage of you. Then, you need to act in kind and not take advantage of them. If you can’t pay them back or agree to their terms, it could seriously damage that relationship. Also, while relatives can’t send you to collections for unpaid dues, they can take you to court.
Withdraw From Your Roth IRA
- Pros – Since the money in your Roth IRA account is yours to take or leave, you can’t really borrow against it. You are free to take out any contributions (not the earnings though) penalty free. You can take out all the money penalty free as long as you put that amount back into your Roth IRA or into a traditional IRA within 60 days. This is called a short term rollover, and the financial institution that manages your Roth account can help you with this.
- Cons – If you withdraw earnings or don’t replace the money, you will incur a 10% penalty charge on your withdrawal. You might be required to pay additional taxes on withdrawals. Also, you will be minimizing your retirement fund and missing out any growth opportunities that money would have had in your IRA account.
Borrow Against Your 401k
- Pros – If you have a 401k through your job, you might be able to borrow up to half your fund but no more than $50,000 to help cover expenses. Then, you repay the money to your 401k over the course of 5 years, sometimes longer if your company offers it. While you must pay interest on the loan, you effectively pay interest to yourself.
- Cons – You are required to pay back a loan on your 401k. Often, the monthly payment comes directly from your paycheck, so you can’t really postpone payment. If you lose your job, you’re required to pay it back by the next tax filing deadline as stated in the Tax Cuts and Jobs Act of 2017. However, if you don’t pay it back, you are considered to be in deferment. You risk a large penalty and being taxed on the loan as income. As with cashing out an IRA, when you take a loan out on your 401k, you also miss out on growth opportunities in your retirement fund.
Payday Loans And Lending Clubs
- Pros – You get cash on hand almost immediately, and credit score isn’t usually a big factor.
- Cons – Honestly, everything else. I really don’t recommend using this as an option. Yeah, you get cash fast. However, the interest rates you pay are astronomical, often many times more than the original loan. The payback period begins very quickly, and they don’t care if you can’t pay up. I’ve seen lives ruined by grabbing a payday loan in desperation. This list wouldn’t be complete, though, without mentioning them. It’s an option … not a good one, but an option.
Don't Give Up When You Don't Have An Emergency Fund
Times are about to get very difficult for a lot of people. It’s going to be so easy to get overwhelmed, think the situation is hopeless, and want to give up.
Yes, it’s going to be overwhelming, and yes, you might feel hopeless.
Acknowledge it, express it, but don’t let that feeling take over. Even if you don’t have an emergency fund to fall back on, you still have options.
It’s okay to feel like the situation sucks. You don’t have to be super positive or grateful, no matter what anyone says. Feel that frustration. Be aware that it’s there. Then, keep moving forward.
Remember that this is temporary. Eventually, it will pass.
There's Still Plenty You Can Do If You Don't Have An Emergency Fund
As a quick recap, if you’re in crisis mode, and you don’t have an emergency fund, here are a few steps to take that might help things to feel a little more manageable.
- Get on a budget, ASAP.
- Scale your spending and debt payments way back.
- Seek out assistance for the expenses you can’t cover.
- Prioritize essential spending.
- Find ways to earn extra money.
- Know your rights.
- Consider alternatives as a last resort.
- Don’t give up.
While things might start to feel hopeless, we all still have some options! When you don’t have an emergency fund, it’s time to get creative and find ways to cover expenses.
Guys, I know there’s more that you can do to get by in desperate times! I’m sure there are some vital tips I missed here.
If you know something I don’t or have tips that I forgot, drop them in the comments below or get in touch with me through twitter (@problemsandpro1) or email (admin@problemsandprojects.com) and let me know.
I want this resource to be as helpful as possible to those in need right now. one of the best ways to support each other is by sharing our knowledge and experiences.
We’d love to hear from you. What tips do you have for when crisis strikes and you don’t have an emergency fund? How are you holding up right now?
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I can truly see how these strategies could be a lifesaver to someone in such a situation! Great job!
Thank you. I hoped this post would be helpful to people in a tough spot right now.
Good tips! I’m trying to be better with finances myself, and this helps 🙂
The more we know, the better we can do. I’m glad I could help.
Ok I am blown away at how much valuable information is here! Thank you for all the effort you put in to helping others. As someone who works in social services I cannot stress enough the point you made – there is no shame in seeking social assistance if needed! Those programs exist to help in times of crisis, and I can’t think of a more critical time for any of us.
I really felt like there was a need for better advice than just, “you should have been ready”. There is absolutely no shame in seeking help in tough times!
This is very helpful information to those new to budgeting and responsible financial management.
Thank you!
This is a really great post. The advice and examples of setting a budget are great.
Thank you. Our budget is a big part of our plan right now.
Great post! It’s super helpful and definitely something a lot of us need right about now. I love Receipt Hog. I’ve had it for years and it’s been incredibly helpful. Although I have a tendency to hoard my points… lol
I’m bad about point hoarding, too! Especially with Receipt Hog since your pay out improves with higher point values. I’m glad you enjoyed the post!
So many great resources! Thanks for putting this together. We have been working on our budget and building our savings but we have a ways to go.
You’re welcome! It’s all about taking those baby steps until you find your process.
This is a wonderful list of ideas for people who may not have an emergency fund. Checking out the resources you’ve listed and making the necessary changes will no doubt help to encourage a different mindset for getting through this crisis and building a better future. It can be hard to talk about building an emergency fund in a crisis, or after being laid off, but once on the other side of that you don’t ever want to be in that position again!
I’m glad you found it so useful! That’s what I was hoping to create. I agree that it can be a life changing experience, and if we all support each other, we can get through.
Excellent post!!
So helpful right now!!
It’s so hard when unexpected income losses happen. This is an amazing list of resources and HOPE!
That’s what I was wanting to get across! There’s so much negativity right now toward people who are now in financial dire situations, but that’s just not helpful. I’m glad you enjoyed it!
So so important! Keeping a good budget in line is important all the time, but especially right now. Thanks for sharing!
Glad you found it useful.
These are great tips/ideas of pulling together a bit of money if you need it. I think looking at your finances and weeding out non-essential purchases is a great thing to do. Sometimes you don’t always realise your spending!
Thanks for sharing!
Aimsy xoxo
Aimsy’s Antics
I’m glad you found it useful!
I saved your “start writing online” link, I want to look into that one. I appreciated that you listed all the options even if I hope no one has to resort to payday loans. Knowledge is power! It can be cringe worthy but power none the less. If people use credit cards, those cash back rewards are an option too. That was the only thing I saw missing on your list. Happy health and saving!
That’s a good edition! I don’t know how I missed that one. Brain was jello, I guess. I also truly hope nobody ever needs to use some of those options, either. I agree, knowledge is power. When you have options, you have choices!