Coping Financially After a Job Loss

I’ve often been asked, “What do you do when you lose your job? You certainly cannot stop the bills from coming on time.”

Good question. And we also cannot ignore that the situation will bring extreme stress to the family.

I’ve been there. I’ve experienced it. I had my doubts, fears, and troubles. I’ve thrown a fist at God and I’ve ignored Him. But with all of my bickering, God naturally remained steadfast and true. He provided on time and at the right measure.

We receive a number of prayer and counseling requests every day at the CBN Asia Prayer Center, asking us to pray to God for financial provision. We hear you when you call, when you cry, and when we pray together. God hears you, too. He listens to every word. He sees every tear breaking your heart.

Look up to the heavens, especially at this difficult time. “Praise God my soul” (Psalm 146:1), praise God. Everything is well.

Let the words from Psalm 46:1-3 encourage your heart. Meditate with your family the truth that…

“God is our refuge and strength, a very present help in trouble. Therefore we will not we fear, though the earth be removed, and though the mountains be carried into the midst of the sea; Though the waters thereof roar and be troubled, though the mountains shake with the swelling thereof. “

Now let’s look at these important steps to take with the situation at hand:

  1. Give. Honor God through giving EVEN through tough times. It speaks volumes about how you PUT GOD FIRST by continuing to give. Let your faith work as God responds. Read Malachi 3:10 and be encouraged at how God will pour immeasurable blessings on you and your household. You will not have enough room to store His blessings!
  2. Pray. Tell God everything. Now’s not the time to be shy. Tell Him what’s in your heart. Be prepared to listen, because God will certainly tell you a lot through His words in the Bible. Follow what He says you need to do.
  3. Review your budget. Sit your family down and review your budget. Make a detailed list of your needs.
  4. Prioritize your expenses. Food and shelter should be numbers 1 and 2. Everything else should be measured strictly. Save on utilities (electricity, water, and gas) and list down everything you spend on.
  5. Things to avoid. Do not spend on entertainment until you get a job and save at least three times of your current salary. This means stopping movie expenses, restaurant meals, unnecessary expenses on clothes, etc.

Let God take an active role in your finances, He loves to provide for you. Give Him the opportunity to work a miracle right now. Ask Him to take over.

Has this article blessed you? Please tell us about it! Call our CBN Asia Prayer Center at 810-7176 or 810-7717 if you’re in Metro Manila, or 1-800-1-888-8700 toll-free from anywhere in the Philippines.


Jim Reyes is a veteran radio broadcaster, and recently the national director of a Christian media ministry in the Philippines. He has been involved with broadcasting ministries such as FEBC Philippines, United Christian Broadcasters, and TransWorld Radio Philippines. His Utanggalin articles supports the Freedom from Debt Campaign by Crown Financial Philippines, in cooperation with CBN Asia.


  • Lhenne

    Very helpful

  • Gilda

    encouraging tips for me at this time…my prayer is to teach me and my household to be a good steward of all the blessings God has given to us!!!!!!

  • aileen

    thanks! pls, pray for me that God will bless me a good job, good employer.

  • Edith P. Soriano

    Please include me and my family in your prayers, I’m so thankful and feel blessed to have you as our prayer partner. More power and God bessings be with us all.

  • marry rose

    i have no job today and im getting married soon pls. pray for me and my husband a hapy wedding and hope to see work abroad

  • marry rose

    please include me and my family to our prayers wtih god…god bless u all of u always



  • sharolyn

    please pray for us po para po makahanap kmi ng good job po d2 sa macau,,ni keehner laureano po,,thank you oh God… in Jesus name AMEN…

  • pls. pray for me na makahanap po ng work at magkabalikan napo kami ng asawako at magbukas po sya ng pinto para sa akin. para sa anak namin. miss ko na po mag-inako. mahal ko po sila.

    • mark mendoza buloran

      ako po bro.ric ay nakikiisa sa yong panalangin,,dinidinig ng DYOS ang mga pananalanging may pananampalataya kay,,manalangin tayo sa kanaya at magtiwala na ipagkakaloob ito sayo,beleive also that GOD restore all broken relationship…magpatuloy tayo sa PANGINOON sa araw-araw..amen

    • Ric, ipanalangin natin iyan. Umasa ka sa Panginoon at patuloy na magpakumbaba ka sa Diyos dahil sa lahat ng tumatawag at umaasa sa Kanya ay di Niya kailanman bibiguin. God bless you and your loved ones.

  • mark mendoza buloran

    yes!!!!and BIG BIG AMEN!!!! actually i;m facing same sitution rigth now,,andito po ako sa doha qatar ng 5 months good company,,good collegues,stress free job pero nag grigrive p ang spirit ko dahil dinapo ako nakakaatend ng gawain friday po ang worship service dito at yun po ang pina ka sunday at family day ng mga qatari kaya di po ako mabigyan ng rest day dahil marami pong tao sa aming flower shop,,i pray and fast deeply and do self bible study it helps,,pero buhay kona po tlga sa pilipinas ang maging bz sa gawain ng PANGINOON nanghihina po ako sa tuwingnapaplmpas ko ang araw ng pagsamba sa panginoon,,kaya po by faith mas pinipili ko po ang mainam uuwi napo ako,,,ang magandang balita po ay may trabahao napong nagiintay sa akin dun,,salamt po sa PANGINOONG HESUS at patuloy syang nananatiling tapat sa aming buhay,,slamat po at pagpalain po tayo ng ating PANGINOON..

    • Mark, we praise God for your life! Pag sa Diyos ka talaga umasa at maglingkod di Ka Niya pababayaan kahit saan ka man pumaroon ikaw ay patuloy Niyang pagpapalain. Ipagpatuloy mo ang paglilingkod at patuloy na umapaw nawa ang pag-ibig Niya sa puso mo. God bless you.

  • jocelyn

    pls. pray for me po n sana po magkaroon na po ako ng employer , maselect na po ..nag aapply po kc ako sa ibang bansa..kailangang kailangan ko na po kc ng t rabaho..maraming marami salamat maraming salamat po Panginoon sa lahat po ng mga biyayang ipinagkaloob nyo po sa amin..God Bless po..

    • Jocelyn, ipagpray natin iyan, isuko mo lagi ang iyong buhay sa ating Panginoon at alamin ang Kanyang kalooban sa iyong buhay dahil kahit saan ka man naroroon basta’t nasa kalooban ka ng Diyos ay di ka Niya pagkukulangin at lubos ka Niyang pagpapalain. God bless you

  • pls. pray for our family may plano po kami na mag venture na magtayo ng 5 story- school building at mag avail ng loan sa financing institution, which is china bank, na ma approved po ang application.

    at ma approve din po ang aming program sa BSIT 4th year level for recognition, na hipuin ni Lord ang in-charge at concern na personnel ng Ched para ma approve at bigyan kami ng permit. Thank po & God bless!

  • maribel dayson

    please pray for us na magkaroon na ng good and stable job ang husband ko.

  • Joy Atienza

    Aside from employment we can also venture into direct selling. I’m currently working in Makati but aside from that I’m also into direct selling. Why do I have to venture into direct selling even if I have work? Because I want to be debt-free. I want to be able to pay my debts. Aside from prayers, God would also like to see us working hard. If God sees our heart, and our desire to be debt-free He is more than willing to bless us. Here’s my email add: You can contact me. Thank you and God bless!

  • Aisah

    Thank you for this article. I’ve been unemployed and jobless for 4 months now, and it’s really difficult since the bills and other expenses come on time and all of us need money to sustain our everyday needs. I’m an OFW based in Singapore and I got retrenched by my previous employer since our support team was transferred in Jakarta. I am still praying and hoping for a job in His time. I know that the Lord will give a bigger and better job offer soon. I just got back in Singapore a week ago and had 3 interviews. Please pray for me. I’ve been hopeless and scared for the past few months worrying of how will I survive in this predicament and situation, sometimes the devil would even whisper in my ear to finish my own miserable life and telling me to curse God but I believed in His words and I know that He sure has better plans for me.

    Thank you so much and may God continually bless your organization.

  • jeanette gordolan

    jobless na po ako for 3 months pls pray for me that God will bless me a good job, good employer sana nga po magka-employer na ako and help to find a way to pay my all debt. thank you for the prayer.

    • Hi Jeanette, angkinin mo ng may pananampalataya na ikaw ay pagkakalooban ng Dios ng trabaho at kalayaan sa anumang pagkakautang. Balitaan mo kami, tawag ka sa 8107717. Mahal ka ng DIos!

  • girlie

    i have prayer request
    stable new job and christian employer for my husband now in italy .
    provision for our financial needs
    freedom from debt to make way to settle it.
    thank you..God bless us!

  • lyn carlobos

    hi! last may 2012 ay nawalan po ako ng trabaho. i”ve been with the company for 15 years but due to unavoidable circumstances natanggal po ako. kahit di man po sabihin ng husband ko na nahihirapan sya sa pagsalo sa responsibilty ko nararamdaman ko naman po ang bigat. i’m trying to look for job kaya lang po at 37 medyo nahihirapan na ako dahil over age na ako. kahit po ok ang qualifications ko sa age requirement naman po ako bumabagsak. maraming companies ang preferred ang mas bata kesa sa akin. pakiramdam ko po burden ako at walang silbi dahil un po ang nararamdaman ko sa mga ctions nya. isa pa pong nakadagdag sa bigat na dinadala ko he”s still hook on drugs. di ko agad sinabi sa kanya kasi ayaw ko mag assume. naghanap pa po ako ng mas concrete na evidence para mas tumibay ang kutob ko. in one of his sent items sa cp, na confirm ko ang hinala ko. i prayed silently that night for signs. ginising ako ni lord ng 3am last tuesday. wala sya sa tabi ko. nasagot lahat ng tanong sa isip ko. he was about to start when he saw me. based sa reaction sa face nya he was guilty of such thing. di man nya natuloy gawin sa cr namin pero deep within me alam ko na gagawin nya ito sa ibang lugar lalo na kung kasama nya ang mga maling friends nya. i did not confront him right away kasi ayaw ko marinig ng mga kids ang pag uusapan namin. malalaki na sila. i texted him. of course he denied all my accusations. this is not the first time. maraming beses na kaya lang i’m hoping and praying that one day magbabago sya. ayaw kong iwan sa ganyang condition. alam ko mas lalo lang mapapariwara ang buhay nya. pero ano po ang gagawin ko kung dahil sa epekto ng drugs sa kanya e umabot na sa point na nagiging violent na sya. should we stay or should we go? matagal tagal na rin po akong nagtiis. we’ve been married for 16 years. sana maliwanagan di lang ako kundi higit sya. matulungan din sana ako makahanap ng stable job para naman po bumalik uli ang tiwala ko sa sarili ko. my eldest will be 1st year college next year. thank you for time and prayers. as of this moment wala ako ibang mapagsabihan kung ano ang nasa loob ko. the closest person dear to me died last july kaya lalong mabigat ang feeling ko ngayon. thank you and god bless us all….

  • Jesusa

    hello po pls pray for me po na magka work na po ako nagka work po akodati pero inayawan ko po dahil sa tingin ko nalulugian po ako sa set up ng company nla and now i started to find a new job again please pray for me tumatakbo po ang panahon gusto ko na po mag work alam ko po na alam Ng Dyos ang pinagdaraanan ko po ngayon atalam ko po an tutulungan nya monday po final interview ko po i hope that i will passed that interview.thank you po.

  • minerva ponce bernardo

    very helpful for me thank you so much

  • minerva ponce bernardo

    please pray for me that i can still get a job, i still need to support my nanay and i dont wanna be a burden to the family, i know God has big plans for me.

  • jomar estillana

    please pray for me na makabalik sa trabaho agad., pray nyo rin po ako na magkaroon ng trabaho abroad. sana malampasan ko lahat ng mga problemang dumarating sa akin.

    • Purihin ang Dios, Jomar sa Kanyang ginawa! Tunay na ang Dios ay di magbabago kailan man.
      Dalangin namin ang pagpapala, pabor, open doors sa desires mo at pusong patuloy na
      humahanap ng kalooban ng Dios.

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