Free guide
Household budget after job loss
A 30-day essential-only playbook that matches how WUUUH thinks about runway: clarity first, then negotiate, then complete the paperwork.
1. List money in for the next 30 days only
Severance, final paychecks, UI (if already approved), partner support, and cash on hand. Ignore optimistic “I’ll get a job next week” income until it clears.
2. List essentials due in 14 and 30 days
Housing, utilities, food, transport to work/interviews, insurance you cannot drop, minimum debt payments that prevent cascading fees. Everything else is negotiable or pausable.
3. Compute runway in plain days
Cash + near-term inflows minus essentials. WUUUH cash-flow uses deterministic runway math - no bank link required for the basic planner.
4. Pause before you cancel blindly
Subscriptions and promotional rates often have better outcomes with a pause or hardship call than a hard cancel you regret after rehire. Draft first; send only when you approve.
5. Protect the first paycheck when you return
Keep hardship holds until income actually lands. Update cash-flow with new take-home, then report changes to open assistance cases.
FAQ
- Do I need to connect my bank?
- No for the core runway planner. Bank linking is optional/sandbox-ready; CSV and manual tracking work without Plaid.
- How is this different from a budgeting app?
- WUUUH ties runway to income-change situations, assistance matching, and renewal deadlines - household membership for emergencies, not everyday coupon hunting.