As each day brings more layoffs – and more worries – you need the peace of mind to stay steady and move above and beyond a tough job market, whether your position is in the crosshairs or not.

That starts with getting ahead by acting, not reacting. Get ahead of the curve with your finances so that you have some safety net if your job doesn’t make it. Think about what you can do today to secure yourself without taking huge losses. If you are really worried that your job is on the chopping block, consider approaching your employer before they approach you to discuss phasing yourself out.

Know that your going rate and what you expect to be paid is not all about you – you must factor in outside forces. Think about supply and demand in the job market. Lots of things have changed out there, including what companies are now paying compared to what they used to. If you have to take a pay cut, or accept a job for much less money, don’t think of it as a personal critique of you or your self-worth.

Finally, you’ve got to do what it takes to keep the money coming in. If that means waiting tables for a bit, so be it. Adopt a new mindset for this new reality and do what you have to in order to protect yourself and your family.

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