An illness, injury, or another sticky predicament preventing you from working? Try not to panic because no matter how far your finances might be stretched right now, you can get through this with some sound financial management.

1. Take Stock 

First things first: let’s talk budgeting. The moment you realise you can’t work, grab a pen, paper, or your favourite spreadsheet app, and jot down your essentials—rent, mortgage, bills, that vital Netflix subscription. Once you know what’s coming in (if anything) and what’s definitely going out, you’ll have a clearer picture of the gap you need to fill. It might not be the most thrilling of tasks, but it’s the foundation for all your financial planning. Think of it as assembling the edges of a jigsaw puzzle before you figure out the rest.

2. Get Ruthless with Expenses

Now, the painful part: trimming down. Take a look at that list of outgoings and be brutally honest—do you really need two separate music streaming platforms? Is it vital to maintain five different subscription boxes? If there was ever a time to channel your inner thrifty expert, it’s now. Cut what you can’t afford. You can always resubscribe to that monthly cheese box when you’re back on your feet (and you’ll appreciate that Stilton all the more for it).

3. Explore Potential Income

Even if you’re not in a position to work as you once did, you might still be able to pull in some cash on the side. Remote or freelance opportunities—think writing, social media management, or even selling your handmade knick-knacks—could help pad your bank account until you can return to normal. If you’re unwell, though, don’t push yourself beyond your limits—earning a few extra quid isn’t worth extending your recovery time.

4. See If You Can Make a Claim

Sometimes, your inability to work isn’t just rotten luck; it might be the result of someone else’s negligence. If that’s the case, you could be entitled to compensation. Personal injury claims exist for a reason: to help people who’ve been unfairly disadvantaged. Obviously, you’ll want to do your homework, chat with a solicitor, and make sure it’s the right path for you—but don’t ignore a valid option if it’s there.

5. Seek Out Support (It’s Not a Weakness!)

There’s no shame in admitting you need help. Check if you’re eligible for government benefits or grants. Speak to your local council about any hardship funds. Reach out to charities or helplines that specialise in your situation—whether it’s health-related, job-related, or something else entirely. Stressing about finances is bad enough without feeling isolated, so gather all the support you can muster.

6. Don’t Let Stress Overstay Its Welcome

Being out of work and strapped for cash can take its toll on your mental well-being, so don’t let the stress build up. Talk to friends, family, or professionals if it all starts feeling too heavy. Sometimes, just having a sympathetic ear can be enough to remind you that you’re not going through this alone.

7. Plan for the Future

Eventually, you’ll be on the mend and looking to get back into the swing of things. When you do, consider setting up an emergency fund. Even if you can only put aside a small amount each month, it’ll build up over time, giving you a cushion if life decides to throw another curveball your way.

Don’t panic, you can get through this financial funk!

This is a collaborative post.