Being sick is no fun, but being sick or injured and unable to work can make life so much more difficult. It’s terrible when you have to deal with feeling unwell and all that goes with that (medication side-effects, doctor’s appointments, pain) and you find yourself worrying about how you are going to pay the mortgage or your utility bills without getting into debt, too.
That’s why, today, we are going to look at a few things you can do to get by when you’re too unwell to work, without having to resort to running up huge debts too.
1. Embrace the Budget Life
First off, let’s talk budgeting. I know, I know, it sounds as fun as watching paint dry. But trust me, getting cozy with your expenses can be a game-changer. It’s like being a detective in your financial mystery novel. Track every expense, cut down on the fancy coffees (I feel your pain), and maybe, just maybe, cook at home instead of ordering that tempting takeaway.
2. The Magic of Emergency Funds
Ever heard of the mystical beast called the ‘Emergency Fund’? It’s this magical pot of money that you’re supposed to feed every month. If you’ve been feeding this beast, now’s the time to pat yourself on the back and make a withdrawal. No emergency fund? No problem. Start one for next time; future you will thank you.
3. Insurance – Not Just a Fancy Word
If you have income protection insurance or critical illness cover, now’s the time to dig out those documents. Yes, it’s a bit of a snooze fest reading through them, but it could be your financial lifeline.
4. Personal Injury Lawyers – Your New Best Friends
If your situation is due to an injury that’s not your fault, it might be time to chat with a personal injury lawyer. These legal eagles can help you claim compensation and get your finances back on track. Just don’t expect them to bring you grapes and get-well cards.
5. Government Benefits – There’s No Shame in It
Check if you’re eligible for any government benefits. It’s like finding money in a coat pocket – but with more paperwork.
6. Side Hustles – Get Creative
If you’re up to it, consider a low-effort side hustle. Who knows, you might be the next big thing in knitted tea cozies or become a YouTube sensation reviewing cat toys.
7. The Art of Saying No
And here’s the tough love part – learn to say no. No to nights out that cost a week’s groceries, no to buying that fancy gadget on impulse. It’s not forever, just for now.
As you can see, although it is not always so easy, it is possible to avoid those masses of debts that many people find themselves running up when they are out of work and unwell. Credit is there if you really need it, but not getting into debt should be your first focus, along with resting up and getting well as soon as possible. Good luck!