Losing your job and facing debt is indeed a serious challenge, but remember that you are not alone and there are many people and institutions who are willing and able to help. Here are some suggestions that I hope will give you some guidance:
1. Get training or learn new skills: Improve your employability by participating in training or learning new skills. Not only will this increase your knowledge base, but it will also help you get better job opportunities.
2. Seek support: Share your plight with family, friends, or a professional counselor. They can provide emotional support, advice, and encouragement to help you get through it. At the same time, you can join a number of support groups to talk to others who are going through similar situations.
3. Make a repayment plan: Make a clear repayment plan, list all liabilities, and set achievable goals. Make sure you have enough money to pay off your debts and try to meet your repayment plan as soon as possible.
4. Look for new job opportunities: Use a variety of resources to find new job opportunities. This includes recruitment**, networking**, job fairs, and more. At the same time, consider adjusting your search strategy to broaden your search or accept jobs that are less relevant to your previous experience.
5. Cut expenses: Review your monthly expenses and look for areas where you can cut them. Re-evaluate your spending habits and avoid unnecessary expenses, such as reducing the frequency of dining out, shopping, and entertainment.
6. Increase revenue**: Consider other ways to increase your income in addition to your traditional full-time job. You can try part-time, unwanted items, renting out unused rooms, etc. Increasing your income in a variety of ways can help pay off your debts faster.
7. Seek professional help: If you're feeling stressed out or can't cope with debt on your own, consider seeking professional help. A counsellor or financial advisor can provide you with more specific advice and solutions to help you better manage your liabilities.
8. Maintain a positive attitude: It can be difficult to face unemployment and debt, but it's important to maintain a positive mindset. I believe that I can overcome the current predicament and take positive actions to gradually get rid of the problem of debt.
9. Side hustle or part-time job: During periods when you are not working, consider finding some side hustles or part-time jobs to supplement your income. This can be online or offline work, such as freelancing, gig work, or second-hand items, etc.
10. Discover your skillsUse your professional knowledge and skills to find relevant part-time or project opportunities. Find relevant job opportunities through social networks**, online platforms or connections.
11. Reduce the consumption of non-essential goods: Minimize the consumption of non-essential items such as high-end restaurants, entertainment activities, etc., in the case of debt. These expenses only add to the burden, so they should be cut as much as possible.
12. Control spending: The first thing to do is to stop unnecessary consumption. Assess your current income and liabilities and create a reasonable budget to minimize your spending on non-essential items.
Hopefully, these suggestions will give you some direction and help. Remember, difficulties are only temporary, and as long as you face them positively and take action, you will definitely be able to get out of the trough.