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Guide

When your hours are cut

A partial income loss is still an income change. Treat it as a runway problem first, then look at benefits and bills.

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

Ask about partial unemployment. Some states pay UI while you work reduced hours. Check the rules on your state portal.

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

Negotiate before canceling. Draft hardship notes for phone, internet, and insurance, and send them only after you've reviewed them.

Related: Action plan preview · Hardship programs

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