Let’s be real—this economy is wild right now. With tariffs raising prices and industries getting hit left and right, job security feels a little shaky for a lot of folks. Whether you’ve recently been laid off, had your hours cut, or you’re just in that weird in-between phase, you're not alone—and it’s okay to press pause and regroup.

Here’s how to take care of your wallet (and yourself) while riding out this economic wave.

Hit Pause on Non-Essential Spending

Those flash sales and coupon codes? Super tempting. But unless it’s something you really need (think groceries, medication, gas), it might be best to skip it. Even discounted stuff adds up. If there’s a non-essential purchase you genuinely need to make—maybe replacing a broken charger, or getting a streaming option for cheaper entertainment—be strategic and creative about it.

• eBay is great for finding second-hand or gently used items at lower prices. You can often get name-brand electronics, tools, or household items for way less than retail.

• Roku devices are an affordable way to stream free or low-cost content from dozens of platforms. If cutting cable is on your list, this can be a solid one-time investment that saves money month after month.

Prioritize Essentials—And Know What Help Is Out There

Focus on the basics: rent, utilities, food, transportation. If you're struggling to cover them, there’s support available. Here are a few helpful resources:

• 211.org – Find local assistance for housing, food, and utilities

• FindHelp.org – Search for free or low-cost services near you

• Benefits.gov – See what federal support you might qualify for

• Low Income Home Energy Assistance Program (LIHEAP) – Help with utility bills

Stack Small Wins: Free Tools + Budget Hacks

Being between jobs means every dollar matters. Try these tools to stay on top of things:

• YNAB (You Need A Budget) – Great for zero-based budgeting. Free trial included.

• Rocket Money – Helps cancel subscriptions and track spending.

• Credit Karma – Monitor your credit and get personalized financial tips.

Make the Most of “Job-Searching Time”

If you're not working full-time right now, you do have time—and that’s powerful. Use it to:

• Update your resume + LinkedIn

• Learn a new skill for free on Coursera, edX, or Google Career Certificates

This isn’t just about numbers—it’s about having a plan. Being between jobs is a good time to reassess, organize, and focus on what matters most. Use this time to get clear on your finances, cut unnecessary spending, and take advantage of tools and resources that can keep you on track. Smart planning now can make a big difference later.