Weighing a contract offer against waiting - what worked for you?

I got a contract offer for 13 months as a hotel front-desk agent and I am unsure whether to accept. I have read a lot of threads here and could not find my exact situation. I have 7 months of savings left. How did you handle benefits?

Thanks for writing this out. I went through something close to it last year, and it settled down once I kept a simple log of every call and form.