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Johnson County

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Johnson County
11811 S. Sunset Drive
Suite 1500
Olathe, KS 66061

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(913) 715-7000
(913) 715-7005 fax

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K-State Research and Extension is committed to making its services, activities and programs accessible to all participants. Reasonable accommodations for persons with disabilities may be requested by contacting Johnson County Extension at (913)715-7000. Notify staff of accommodation needs as early as possible.

Kansas State University Agricultural Experiment Station and Cooperative Extension Service

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Don’t Panic in this Pandemic— Take Control

The global pandemic has impacted all parts of our lives, but the one part that we feel the most is a loss of our income.  Many circumstances can lead to an abrupt reduction in income: a factory layoff or cutback, loss of a job, reduced farm income, or loss of a second income from a spouse. Just the threat of any of these situations is a serious blow to individuals and families struggling to survive economically in difficult times.

Abrupt loss of income, whatever the reason, is traumatic. Often the financial setback was not anticipated. When it happens, a common instinct is to panic. Although natural, avoid the temptation to tailspin as much as possible.

If economic misfortune strikes you or your family in the form of reduced income, is there anything you can do to minimize the hardship? Yes!

Don’t panic, take control. Loss of income affects many people for many different reasons. It doesn’t help to blame yourself. Chances are it isn’t your fault. In any event, self-blame wastes energy, and the energy you spend blaming yourself could be better spent dealing with your situation.

Control stress. Feeling stress is human and natural. That doesn’t make it pleasant. Keep stress at controllable levels by recognizing the signs. Develope and follow a plan that will reduce stress and help you maintain control of your financial position.

Take stock of family resources. One important way to cut down anxiety is to assure yourself you are doing the best you can with the resources you have. That includes knowing what you own and what you owe. It also includes important community resources designed to help you and others in times of economic or personal distress. Sometimes people are reluctant to ask about government programs in times of trouble. However, these programs are ways in which we, the community, have tried to protect our mutual welfare and to assist each other in times of trouble.

Set priorities for spending. After you know the resources you have and are likely to have, talk with your family about how you and they use money. Designing a family spending plan accomplishes two things. It sets your family up for success by thinking positively. It also helps you to survive financially and emotionally until future goals are decided. 

Plan to pay creditors. One of the most stressful outcomes of a loss in income is the worry that creditors are all around, impatiently waiting for you to pay overdue bills. In this situation, avoidance is not the answer. It is extremely important for you to be realistic about your financial situation and meet it with a plan. Fears caused by uncertainty and avoidance are always worse than facing the facts and following a plan to take control.

Keep a roof overhead and meet insurance needs. Keeping a roof overhead, the utilities hooked up, and essential insurance are top priorities when income drops.

Sharpen your survival skills. Finally, adopt economic survival skills for a loss of income with ideas for substituting, conserving, cooperating, and using community and human resources. You can apply these principles to buying food, running your household, purchasing clothing, choosing transportation and acquiring the other things your family needs.

Losing a job or your income is not the end of the world.  Typically, most people who take control of their situation and work at it, find that they come out better than before. Hopefully, you can find some hidden gems to help you to prosper in the years to come.  You’ve got this!

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Joy Miller

Family and Community Wellness Agent