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With the unemployment rate now at 9.8%, chances are that you or someone you know has been laid off. Yet the bills still need to be paid, and without that salary you used to depend on, it’s hard to know what to do first. Galia Gichon, founder of Down to Earth Finance, former Wall-Streeter and personal financial expert with a particular focus on women, suggests creating a financial plan and sticking to it in order to make the most of your savings or severance. Here’s what she had to say about spending habits, budgeting and more after a layoff: &lt;b&gt; [Read more]&lt;/b&gt; &lt;p&gt; &lt;i&gt;&lt;b&gt;--Posted by Arielle Shipper, RecessionWire.com&lt;/b&gt;&lt;/i&gt; &lt;p&gt; Downturnaround Deals: Bloomingdales, Macy’s, HP, Limited, Orbitz, LuggagePoint &lt;br&gt; Recession Briefing 10.02: Downturn Can’t Keep Sports Fans Down &lt;br&gt; Screwed: 258 at the United Space Alliance &lt;br&gt;

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How to Handle Survivors’ Guilt After Layoffs 

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