The state of unemployment, whether by choice or by circumstance, is one of the most crucial times during which you need to assess your saving and spending habits. Because, although you’re still accustomed to a certain lifestyle, your cash flow has turned into a one-way street—same cash out, no cash in. If you find yourself stuck in this situation, then check out the following tips for ways to best maintain your money while you’re still on the job market.

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(First published as "Essential Money Moves for the Unemployed" in the August 2009 issue of Good Housekeeping Philippines; adapted for use in Female Network. Photo by bpsusf via Flickr Creative Commons)