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How much money will I have if my work situation changes?

Use these worksheets to plan how you might replace your income from work if the need arises. There are three worksheets:

1. Sources of income if you lose your job.

2.  Sources of income if you get sick or injured, and can’t work.

3.  Sources of income if you are having a baby.

Remember: If you plan ahead, it will be easier to get through tough times.

In the end, of course, only you can decide the best way for you to protect your income. If you’re not sure, you may want to talk to an expert adviser.

Watch this video of Angela Self, one of the founders of the Smart Cookies, with Rob Carrick from the Globe and Mail discussing some ways to handle layoffs.