Guide

When your hours are cut

Partial income loss is still income change. Treat it like a runway problem first — then benefits and bills.

Recalculate runway. Use actual new hours × rate, not last month’s deposit average.

Ask about partial unemployment. Some states allow UI while working reduced hours — check your state portal rules.

Screen food and utility help. Partial income often still qualifies for local programs.

Negotiate before canceling. Draft hardship notes for phone, internet, and insurance — send only after you review.