Fearful of Being Laid Off: Financial Concerns

Fearful of Being Laid Off: Financial Concerns

As a Career Counselor and Coach for over 25 years I have worked with many clients that have been laid off.  Unfortunately it usually takes longer than one would expect to find a position.  Firstly, if possible one should be proactive and anticipate a need for an “emergency fund”. It allows one in job search to be more intentional and not take a job that is not a good fit and will not be fruitful and satisfying.

If one is laid off first look at your essential expenses and then those non-essential expenses.  Many times we spend money on automatic subscriptions, etc. and when an individual is laid off it may be a good time to cancel them.  Also while working we spend money on conveniences that might be able to be reduced.  For example take-out and delivery services.   If one feels financially threatened it might be helpful to take on a part-time job or contract work.  It can bring in some income and keep one engaged.

Contract work offers distinct advantages for professionals who want flexibility without stepping away from meaningful work. It can even be  a strategic career option, not a fallback.

Benefits of Contract Work

  • Greater control over time and workload
    Contract work allows professionals to choose projects, set boundaries, and avoid the always-on expectations of traditional roles.
  • Flexibility with income and scheduling
    Contractors can scale work up or down depending on life needs (family, education, caregiving, or personal projects).
  • Skill development and marketability
    Working across organizations and projects helps contractors build diverse skills, stay current, and strengthen their professional brand.
  • Reduced office politics and bureaucracy
    Berger notes that contractors are often hired for results, not presence, which can lead to more focused and satisfying work.
  • Pathway to part-time or permanent roles
    Contract roles can serve as a “try-before-you-buy” arrangement for both worker and employer, sometimes leading to longer-term opportunities.
  • Professional continuity during transitions
    Contract work helps professionals stay engaged and visible during career pivots, caregiving years, or semi-retirement.
  • Negotiating power
    Contractors often have more leverage to negotiate scope, timelines, and compensation because they provide specialized expertise.

Contract work is most successful when it is intentional — aligned with long-term career goals, clearly scoped, and positioned as high-value professional work rather than temporary or secondary labor.

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About Lynn

Lynn Berger combines decades of career counseling experience with mindfulness practices to help professionals find clarity, purpose, and fulfillment in their work lives. Her meditations offer practical wisdom for navigating the complexities of modern careers.