{"id":58154,"date":"2023-07-14T00:00:00","date_gmt":"2023-07-14T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/managing-debt-when-youre-between-jobs\/"},"modified":"2024-01-10T13:15:59","modified_gmt":"2024-01-10T18:15:59","slug":"managing-debt-when-youre-between-jobs","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/managing-debt-when-youre-between-jobs\/","title":{"rendered":"Managing Debt When You&#8217;re Between Jobs"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/career-planning-development\/\">\n\t\t\t\t\t\t\t<span>Career Planning &amp; Development<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Managing Debt When You&#8217;re Between Jobs<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Rebecca Lake<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T150817.517.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Distressed young Caucasian man sit at desk paying bills\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T150817.517.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T150817.517.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T150817.517.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Managing Debt When You&#8217;re Between Jobs &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/managing-debt-when-youre-between-jobs\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/managing-debt-when-youre-between-jobs\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 14, 2023 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>A loss of a job can take its toll both emotionally and financially. And if you don&#8217;t have other income or savings to fall back on, money can quickly become harder to manage. While covering your day-to-day living expenses comes first, managing debt may be second if you have a mortgage, credit cards, student loans or other debts to pay.<\/p>\n\n\n\n<p>Having a plan for managing debt during a job loss can make it easier to stay afloat if you find yourself temporarily unemployed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5 smart tips for managing debt after a job loss<\/h2>\n\n\n\n<p>Losing a job can be overwhelming, and you may feel you have little control over the situation. If that&#8217;s the case, take a deep breath and consider what you can do to stay on top of your debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Prioritize payments<\/h3>\n\n\n\n<p>When you have different types of debt to repay and a job loss shrinks your income, making the most of your resources is important.<\/p>\n\n\n\n<p>Secured debts \u2014 the kind you back with an asset \u2014 come first since missing those payments could result in the loss of your collateral. Examples of secured debts include mortgage loans, home equity loans, and car payments.<\/p>\n\n\n\n<p>Unsecured debts, meanwhile, don&#8217;t put you at risk of losing any collateral. That doesn&#8217;t mean you can skip those payments altogether, but you may cut back to paying just the minimum due.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Seek debt assistance or relief<\/h3>\n\n\n\n<p>If you&#8217;re having difficulty managing debt through a job loss, there are different ways to get help. Depending on the kind of debts you have, the options might include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Asking your credit card company to temporarily lower your interest rate or reduce fees<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Working out a debt repayment or debt management plan with the help of a reputable consumer credit counselling organization<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Negotiating a settlement of past due debts either on your own or through a Consumer Proposal<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Filing for bankruptcy protection<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Talking to a certified credit counsellor or a Licensed Insolvency Trustee can help you weigh your options. You may also want to explore government assistance programs for debt. For instance, if you&#8217;re having a hard time managing student loans, you may qualify for repayment assistance from the Canadian government.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Reduce household expenses<\/h3>\n\n\n\n<p>After a job loss, many people reduce spending as much as possible to help make it easier to manage debt payments and avoid falling behind. Here are a few common tips for reducing expenses during a job loss.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Create a solid budget if you haven&#8217;t already<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Contact your internet, cable, and phone providers to ask about reducing your plan features or negotiating a discount for bundling services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cancel any unwanted or unused subscriptions or streaming services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Learn to meal plan and shop grocery store sales strategically to save money on food<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Save on water bills by: lowering your hot water temperature, setting a timer for the shower, and only running full loads in the dishwasher and laundry<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Set your thermostat higher in summer or lower in winter to save on energy use<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. Apply for EI benefits<\/h3>\n\n\n\n<p>You can apply for <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei.html\" target=\"_blank\" rel=\"noopener\">Employment Insurance (EI) benefits<\/a> if a job loss happens through no fault of your own. In fact, Service Canada encourages workers who have lost their jobs to apply for benefits as quickly as possible to avoid missing their eligibility window.<\/p>\n\n\n\n<p>You can apply online, and if approved, you should begin receiving benefits within 30 days. Unemployment benefits may not be enough to cover all your expenses, but they could help with basic living expenses or debt repayment until you land a new job.<\/p>\n\n\n\n<p>There&#8217;s one thing to know, however. You can&#8217;t receive EI benefits and severance pay at the same time. So it may be worth contacting your former employer to determine if severance payments will come your way before applying for unemployment benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Avoid new debt if possible<\/h3>\n\n\n\n<p>It may be tempting to use credit cards or a personal line of credit to cover expenses through a job loss if you don&#8217;t have emergency savings to rely on and you&#8217;re not collecting EI benefits yet. However, creating new debt may lead to financial issues later when it&#8217;s time to pay it back.<\/p>\n\n\n\n<p>If you&#8217;re considering a credit card or loan to pay the bills, it&#8217;s important to understand the interest rate and fees you might pay. A credit card or line of credit with a low APR and minimal fees might be your best bet.<\/p>\n\n\n\n<p>Using an <a href=\"https:\/\/online.royalbank.com\/cgi-bin\/tools\/easy-budgeting-tool\/calculator.cgi\" target=\"_blank\" rel=\"noopener\">online budgeting tool<\/a> to break down spending can help you identify areas where you might be able to cut back. Putting all of the money tips outlined above to work can make it easier to get through a job loss without adding to your debt load.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-12bb4ff8-6eed-4246-9d74-3ac97e1a3cb1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Managing Debt When You&#8217;re Between Jobs &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/managing-debt-when-youre-between-jobs\/\">\n        <img decoding=\"async\" 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id-dff36600-b85c-4e5d-b19a-1fbddf1313e2\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/career-planning-development\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Career Planning &amp; Development<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full 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\/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/\">\n\t\t\t\t\t\tBudgeting\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/2026-financial-roadmap-aligning-your-budget-borrowing-and-investments-to-your-goals\/\" class=\"card-title h4 mar-t-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"658\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/shutterstock_2068070435.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Young woman sitting on a couch with a credit card in one hand and a smartphone in the other, reviewing a Buy Now Pay Later payment option for a purchase.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/shutterstock_2068070435.jpg 6228w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/shutterstock_2068070435.jpg?resize=300,193 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/shutterstock_2068070435.jpg?resize=768,494 768w, 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/buy-now-pay-later-your-guide-to-how-it-works-when-to-use-it-and-when-to-skip-it\/\" class=\"card-title h4 mar-t-0\">Buy Now, Pay Later: Your Guide to How it Works, When to Use It and When to Skip It<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-12bb4ff8-6eed-4246-9d74-3ac97e1a3cb1 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-12bb4ff8-6eed-4246-9d74-3ac97e1a3cb1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-dff36600-b85c-4e5d-b19a-1fbddf1313e2 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-dff36600-b85c-4e5d-b19a-1fbddf1313e2 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Do you have a financial plan B? A job loss can make managing debt more challenging, but it can be easier if you have a plan. Here&#8217;s how.<\/p>\n","protected":false},"author":116,"featured_media":71772,"parent":57314,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[78],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[507],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,367,304],"class_list":["post-58154","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-career-planning-development","rbc_content_type-article","rbc_lob_group-loans","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-budgeting","rbc_mmm_category-money-academy"],"acf":{"contently_publication_id":"359150","custom_author":"Rebecca Lake","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Do you have a financial plan B? 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